12.20%
18.25%
71.64%
48.87%
24.66%
-74.46%
-76.97%
AI Spotlight on OPRT
Company Description
Oportun Financial Corporation provides financial services.It offers personal loans, auto loans, and credit cards.The company serves customers online and over-the-phone, as well as through retail locations.
It operates in 24 states in the United States, which include Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia.Oportun Financial Corporation was founded in 2005 and is headquartered in San Carlos, California.
Market Data
| Last Price | 4.6 |
| Change Percentage | 12.20% |
| Open | 4.1 |
| Previous Close | 4.1 |
| Market Cap ( Millions) | 165 |
| Volume | 368582 |
| Year High | 4.62 |
| Year Low | 2.05 |
| M A 50 | 3.77 |
| M A 200 | 3.16 |
Financial Ratios
| FCF Yield | 231.50% |
| Dividend Yield | 0.00% |
| ROE | -35.21% |
| Debt / Equity | 872.18% |
| Net Debt / EBIDTA | -3294.62% |
| Price To Book | 0.56 |
| Price Earnings Ratio | -1.42 |
| Price To FCF | 0.43 |
| Price To sales | 0.16 |
| EV / EBITDA | -34.9 |
News
- Jan -29 - Oportun to Report Fourth Quarter 2024 Financial Results on Wednesday, February 12, 2025
- Jan -16 - Oportun Completes $425 Million Asset Backed Securitization
- Jan -11 - Oportun Is Below TBV, Growing And ~5x FY25 Earnings With $1B Revenue, 70%+ Upside
- Dec -18 - Singular Research Highlights Oportun Financial Corp. in a Recent Report
- Dec -02 - Oportun to Present at Sidoti December Virtual Investor Conference
- Nov -20 - Oportun Holiday Savings Report Reveals Consumers Saved More For This Holiday Season
- Nov -13 - Oportun Financial Corporation (OPRT) Q3 2024 Earnings Call Transcript
- Nov -13 - Oportun Financial (OPRT) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
- Nov -12 - Oportun Completes Sale of its Credit Card Portfolio
- Oct -31 - Oportun Financial: A Possible Turnaround Priced For Disaster, Speculative Buy
- Oct -29 - Oportun Announces Next Step to Optimize Capital Structure and Drive Improved Profitability
- Sep -25 - Oportun Announces Definitive Agreement to Sell its Credit Card Portfolio
- Sep -23 - Oportun Announces $306 Million Committed Warehouse Facility Extension
- Sep -16 - Oportun to Present at Sidoti September Virtual Investor Conference
- Aug -29 - Oportun Completes $223 Million Asset Backed Securitization
- Aug -26 - Oportun Named a Bay Area Top Workplace for 2024
- Aug -10 - Oportun Financial Corporation (OPRT) Q2 2024 Earnings Call Transcript
- Aug -09 - Oportun Financial (OPRT) Reports Q2 Earnings: What Key Metrics Have to Say
- Aug -08 - Oportun Financial Corporation (OPRT) Q2 Earnings and Revenues Top Estimates
- Aug -05 - Oportun Announces $245 Million Committed Warehouse Facility
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking and Related Activities
Expected Growth : 12 %
What the company do ?
Oportun Financial Corporation's Banking and Related Activities provide affordable loans, credit cards, and financial services to underserved communities, promoting financial inclusion and empowerment.
Why we expect these perspectives ?
Oportun Financial Corporation's 12% growth in Banking and Related Activities is driven by increasing demand for affordable credit solutions, expansion into new markets, and strategic partnerships. Additionally, the company's AI-driven lending platform and commitment to financial inclusion have contributed to its growth. Furthermore, the rise of digital banking and mobile payments has also fueled the segment's growth.
Oportun Financial Corporation Products
| Product Range | What is it ? |
|---|---|
| Personal Loans | Oportun Financial Corporation offers personal loans with affordable interest rates and flexible repayment terms, allowing customers to borrow money for various personal expenses. |
| Auto Loans | Oportun Financial Corporation provides auto loans for customers to purchase or refinance a vehicle, with competitive interest rates and flexible repayment options. |
| Credit Cards | Oportun Financial Corporation offers credit cards with no annual fee, competitive interest rates, and rewards programs, allowing customers to build credit and earn rewards. |
| Insurance Services | Oportun Financial Corporation offers insurance services, including life insurance, accident insurance, and involuntary unemployment insurance, to protect customers and their families. |
Oportun Financial Corporation's Porter Forces
Threat Of Substitutes
Oportun Financial Corporation operates in a niche market, providing financial services to underserved communities. While there are some substitutes available, such as traditional banks and credit unions, Oportun's unique value proposition and focus on financial inclusion mitigate the threat of substitutes.
Bargaining Power Of Customers
Oportun's customers are largely individuals and small businesses with limited bargaining power. The company's focus on financial inclusion and provision of essential financial services reduces the bargaining power of customers.
Bargaining Power Of Suppliers
Oportun Financial Corporation has a diversified supplier base, and its suppliers have limited bargaining power. The company's scale and operational efficiency also reduce its dependence on individual suppliers.
Threat Of New Entrants
While there are some barriers to entry in the financial services industry, new entrants can still disrupt the market. Oportun's established brand, operational efficiency, and focus on financial inclusion provide some protection against new entrants.
Intensity Of Rivalry
The financial services industry is highly competitive, with many established players and new entrants vying for market share. Oportun Financial Corporation faces intense competition from traditional banks, fintech companies, and other financial institutions.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 87.85% |
| Debt Cost | 8.61% |
| Equity Weight | 12.15% |
| Equity Cost | 9.58% |
| WACC | 8.72% |
| Leverage | 722.78% |
Oportun Financial Corporation : Quality Control
Oportun Financial Corporation passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CPSS | Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile … |
| GDOT | Green Dot Corporation, a financial technology and bank holding company, provides various financial products to consumers and businesses in the United States. It operates through three segments: Consumer Services, Business … |
| PRAA | PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. It is involved … |
| LPRO | Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, and non-bank auto finance companies and captive finance companies of original equipment manufacturers in the … |
| MCVT | Mill City Ventures III, Ltd. is a principal investment firm specializing investments in debt and equity securities of public and private companies to fund their operations whether its start-up, acquisition, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Consumer Portfolio Services
A-Score
1-Year Total Return ->
🥈
Green Dot
A-Score
1-Year Total Return ->
🥉
Oportun Financial
A-Score
1-Year Total Return ->
4
PRA Group
A-Score
1-Year Total Return ->
5
Mill City Ventures III
A-Score
1-Year Total Return ->
6
