Latest Ratios: P/E Ratio 10.7x · EV/EBITDA 34.7x · ROE 6.8%. (2016–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $260M | $253M | $157M | $144M | $181M | $614M | $529M | $256M | — | — | — |
| Enterprise Value | $3.0B | $3.0B | $2.9B | $3.3B | $3.4B | $3.1B | $2.1B | $1.8B | — | — | — |
| P/E Ratio → | 10.72 | 9.98 | — | — | — | 12.98 | — | 59.50 | — | — | — |
| P/S Ratio | 0.41 | 0.40 | 0.29 | 0.31 | 0.25 | 1.06 | 1.35 | 0.51 | — | — | — |
| P/B Ratio | 0.70 | 0.65 | 0.44 | 0.36 | 0.33 | 1.02 | 1.13 | 0.52 | — | — | — |
| P/FCF | 0.67 | 0.65 | 0.42 | 0.40 | 0.91 | 4.48 | 4.04 | 1.33 | — | — | — |
| P/OCF | 0.63 | 0.61 | 0.40 | 0.37 | 0.73 | 3.76 | 3.46 | 1.17 | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.64 | 5.47 | 7.13 | 4.59 | 5.33 | 5.35 | 3.67 | — | — | — |
| EV / EBITDA | 34.69 | 34.61 | — | — | — | 34.31 | — | 18.75 | — | — | — |
| EV / EBIT | 67.28 | 67.13 | — | — | — | 49.12 | — | 21.88 | — | — | — |
| EV / FCF | — | 7.60 | 7.80 | 9.08 | 16.91 | 22.52 | 16.04 | 9.61 | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.7% | 63.7% | 55.3% | 61.0% | 87.3% | 91.8% | 85.2% | 88.9% | 87.9% | 62.7% | 64.3% |
| Operating Margin | 6.9% | 6.9% | -21.6% | -55.1% | -10.3% | 10.9% | -14.8% | 16.8% | 32.7% | 0.6% | 5.8% |
| Net Profit Margin | 4.0% | 4.0% | -14.8% | -39.1% | -10.6% | 8.2% | -11.5% | 12.2% | 23.7% | -2.8% | 18.3% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.8% | 6.8% | -20.8% | -37.8% | -13.5% | 8.9% | -9.4% | 14.7% | 43.8% | -4.6% | 22.7% |
| ROA | 0.8% | 0.8% | -2.4% | -5.1% | -2.4% | 1.9% | -2.1% | 3.1% | 8.4% | -0.9% | 5.3% |
| ROIC | 1.0% | 1.0% | -2.5% | -5.1% | -1.6% | 1.8% | -2.0% | 3.3% | 9.1% | 0.1% | 1.3% |
| ROCE | 1.4% | 1.4% | -3.7% | -8.0% | -2.6% | 3.0% | -3.0% | 4.5% | 12.6% | 0.2% | 1.7% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 7.21 | 7.21 | 7.98 | 7.98 | 6.00 | 4.31 | 3.66 | 3.40 | 3.78 | 4.31 | 3.17 |
| Debt / EBITDA | 32.88 | 32.88 | — | — | — | 28.93 | — | 16.88 | 7.20 | 73.79 | 28.99 |
| Net Debt / Equity | — | 6.94 | 7.81 | 7.76 | 5.82 | 4.09 | 3.37 | 3.26 | 3.58 | 4.09 | 3.01 |
| Net Debt / EBITDA | 31.65 | 31.65 | — | — | — | 27.48 | — | 16.15 | 6.82 | 69.97 | 27.53 |
| Debt / FCF | — | 6.95 | 7.38 | 8.68 | 16.01 | 18.04 | 12.00 | 8.28 | 10.29 | 6.97 | 6.75 |
| Interest Coverage | 0.19 | 0.19 | -0.48 | -1.41 | -0.81 | 1.32 | -0.99 | 1.40 | 3.63 | 0.06 | 0.56 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 9.17 | 9.17 | 2.66 | 0.35 | 0.37 | 0.43 | 0.65 | 1.41 | 1.19 | 0.40 | 7.22 |
| Quick Ratio | 9.17 | 9.17 | 2.66 | 0.35 | 0.37 | 0.43 | 0.65 | 1.41 | 1.19 | 0.40 | 7.22 |
| Cash Ratio | 9.17 | 9.17 | 2.00 | 0.28 | 0.27 | 0.30 | 0.51 | 0.86 | 0.73 | 0.30 | 3.43 |
| Asset Turnover | — | 0.20 | 0.17 | 0.13 | 0.20 | 0.20 | 0.20 | 0.23 | 0.30 | 0.30 | 0.29 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 9.3% | 10.0% | — | — | — | 7.7% | — | 1.7% | — | — | — |
| FCF Yield | 100.0% | 153.7% | 239.1% | 250.7% | 110.0% | 22.3% | 24.8% | 75.0% | — | — | — |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $48M | $40M | $37M | $33M | $30M | $27M | $11M | $22M | $22M | $23M |
High credit loss sensitivity
According to current market data, OPRT trades at a forward P/E of 3.67x, which, when compared to peers like Enova International, suggests that investors are heavily discounting the company's future earnings potential due to persistent concerns regarding credit quality and the sustainability of its capital-light business model.
The low forward multiple implies that the market anticipates significant earnings volatility or potential downward revisions to profitability. This valuation gap relative to the broader peer group warrants investigation into whether the market is overly pessimistic about the company's proprietary underwriting engine or correctly identifying long-term margin compression risks.
Based on reported figures, OPRT's ROIC has struggled to break above 0.3% over the last ten quarters, a trend that indicates the company is currently failing to generate meaningful returns on its invested capital compared to the double-digit ROIC levels typically seen in more mature financial services firms.
The persistent inability to compound capital effectively suggests that the costs associated with maintaining the loan portfolio and funding operations are currently outpacing the yield generated from the underbanked consumer segment. Investors should monitor whether the transition to a capital-light model can eventually drive a structural improvement in these returns.
As reported in recent financial statements, OPRT maintains a debt-to-equity ratio of 6.87x, which, while showing a slight improvement from previous periods, remains elevated and continues to limit the company's ability to navigate potential credit cycle downturns without significant reliance on external financing markets.
This high leverage profile creates a precarious situation where interest coverage remains thin, as evidenced by the 0.07x ratio in 2026Q1. Such a capital structure suggests that any further deterioration in credit performance could rapidly erode the company's limited equity base and restrict future growth initiatives.
Data from recent SEC filings suggests that the P/E ratio is a fundamentally flawed metric for OPRT, as it fails to account for the non-cash fair value adjustments and the significant impact of credit loss provisions that frequently distort the company's reported GAAP net income figures.
Analysts should instead prioritize cash-flow-based metrics or adjusted net income that strips out fair value volatility to better gauge the underlying earning power of the platform. Relying on headline P/E multiples likely obscures the true operational health of the business and the cash-generating capacity of its loan servicing activities.
Includes 30+ ratios · 10 years · Updated daily
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Quick answers to the most common questions about buying OPRT stock.
Oportun Financial Corporation's current P/E ratio is 10.7x. The historical average is 27.5x. This places it at the 33th percentile of its historical range.
Oportun Financial Corporation's current EV/EBITDA is 34.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 29.2x.
Oportun Financial Corporation's return on equity (ROE) is 6.8%. The historical average is 1.1%.
Based on historical data, Oportun Financial Corporation is trading at a P/E of 10.7x. This is at the 33th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Oportun Financial Corporation has 63.7% gross margin and 6.9% operating margin.
Oportun Financial Corporation's Debt/EBITDA ratio is 32.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.