Where do Oportun Financial Corporation's ratios come from?

Every ratio is computed from Oportun Financial Corporation's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	6.2%—	——	-64.1%-52.0pp	-12.1%-21.1pp
Returns
Return on equity	6.8%—	——	-37.8%-24.3pp	-13.5%-22.4pp
Return on assets	0.8%—	——	-5.1%-2.8pp	-2.4%-4.3pp
Efficiency
Asset turnover	0.1×0.0×	0.1×0.0×	0.1×-0.1×	0.2×0.0×
Leverage
Debt-to-equity	0×0.0×	0.1×0.0×	0.1×0.0×	0.1×-0.2×
Debt-to-assets	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Per Share
Book value per share	$8.15-7.0%	$8.77-20.1%	$10.97-34.3%	$16.68-16.2%
Valuation
Market capitalization	$262.37M-17.1%	$139.59M-7.2%	$150.48M-17.7%	$182.89M-68.2%
Enterprise value	$64.49M-36.1%	-$55.62M-105%	-$27.16M-260%	$17.02M-96.9%
Price / earnings	14.7×—	——	——	——
Price / sales	0.7×-0.2×	0.5×-0.1×	0.5×+0.3×	0.3×-0.8×
Price / book	0.7×-0.2×	0.4×0.0×	0.4×0.0×	0.3×-0.6×
EV / sales	0.2×-0.1×	-0.2×-0.1×	-0.1×-0.1×	0×-1.0×
Earnings yield	6.6%—	——	-119.6%-77.1pp	-42.5%-50.8pp

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Where do Oportun Financial Corporation's ratios come from?: Every ratio is computed from Oportun Financial Corporation's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.