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Discontinued — last reported Q4 '22

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Other financials

Income statement

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Revenue$94.9M-10.3%
Net income$2.3M-76.0%
EPS (diluted)$0.05-76.2%

Balance sheet

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Cash & equivalents$209.9M-9.1%
Total debt$12.0M-30.5%
Total equity$396.3M+8.2%
Total assets$3.2B-1.8%

Cash flow

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Operating cash flow$103.7M+2.7%
CapEx$1.5M-84.6%
Free cash flow$60.5M+21.0%

Valuation

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Market cap$262.37M-17.1%
Enterprise value$64.49M-36.1%
P/E14.7×
P/S0.7×-0.2×

Profitability

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Net margin4.5%

Returns & leverage

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Return on equity4.7%
Debt / equity0.0×

Where this comes from

Calculated from Oportun Financial Corporation’s reported figures.

Based on trailing twelve months.

The official record: Oportun Financial Corporation’s 10-Q, filed November 12, 2024, on SEC EDGAR. View the filing →

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Questions, answered.

What is Oportun Financial Corporation's free cash flow margin?
Oportun Financial Corporation (OPRT) reported free cash flow margin of 37.8% in Q4 2022.
How has Oportun Financial Corporation's free cash flow margin changed year-over-year?
Oportun Financial Corporation's free cash flow margin increased by 32.5% year-over-year, from 28.5% to 37.8%.
What is the long-term trend for Oportun Financial Corporation's free cash flow margin?
Over 2 years (2020 to 2022), Oportun Financial Corporation's free cash flow margin has grown at a -7.6% compound annual growth rate (CAGR), from 44.2% to 37.8%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.