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About the company
Oportun Financial Corporation provides financial services that provides lending platform. The platform and application of machine learning enables the Company to provide loans. The Company offers an amortizing installment loans with fixed payments and fixed interest rates throughout the life of the loan. The Company offers personal loans, auto loans and OportunPath. OportunPath provides account updates. It enables its customers to complete a loan application online via a mobile phone, tablet, or computer. It also provides prepaid debit cards. The Company operates in approximately 12 states, including California, Texas, Illinois, Utah, Nevada, Arizona, Missouri, New Mexico, Florida, Wisconsin, Idaho and New Jersey.
- Revenue in USD (TTM)484.57m
- Net income in USD43.26m
- Incorporated2015
- Employees1.52k
- LocationOportun Financial Corp2 Circle Star WaySAN CARLOS 94070-6200United StatesUSA
- Phone+1 (650) 810-8823
- Fax+1 (302) 531-3150
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Mergers & acquisitions
| Acquired company | OPRT:NSQ since announced | Transaction value |
|---|---|---|
| Hello Digit Inc | -17.14% | 212.88m |
Data delayed at least 15 minutes, as of Nov 30 2021 21:00 GMT.
Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| America First Multifamily Investors LP | 61.95m | 25.33m | 418.00m | 0.00 | 15.17 | 1.12 | 14.90 | 6.75 | 0.4178 | 0.4178 | 1.02 | 7.11 | 0.0504 | -- | 6.86 | -- | 2.52 | 2.64 | 2.58 | 2.87 | 65.37 | 70.64 | 50.11 | 34.75 | -- | -- | 0.6268 | 91.20 | -29.23 | -2.97 | -83.07 | -23.74 | -33.82 | -5.84 |
| Blueone Card Inc | 19.75k | -456.46k | 505.57m | 2.00 | -- | -- | -- | 25,598.25 | -0.0477 | -0.0477 | 0.0021 | 0.0308 | -- | -- | -- | -- | -- | -- | -- | -- | 37.57 | -- | -2,311.19 | -- | -- | -149.61 | 0.1721 | -- | -- | -- | -- | -- | -- | -- |
| Home Point Capital Inc | 1.53bn | 331.38m | 537.18m | 3.50k | 1.58 | 0.7057 | 1.67 | 0.3521 | 2.44 | 2.44 | 11.08 | 5.46 | 0.196 | -- | 15.50 | 435,865.70 | 4.01 | -- | 5.20 | -- | 83.74 | -- | 20.44 | -- | -- | 3.83 | 0.9094 | -- | 302.08 | -- | 2,178.07 | -- | -- | -- |
| Cass Information Systems | 151.91m | 27.31m | 562.65m | 862.00 | 21.27 | 2.27 | 14.23 | 3.70 | 1.89 | 1.89 | 10.50 | 17.68 | 0.0708 | -- | -- | 176,229.70 | 1.27 | 1.62 | -- | 10.13 | 99.10 | 97.87 | 17.98 | 18.86 | -- | -- | 0.7146 | 47.21 | -8.94 | 3.94 | -17.20 | 1.77 | -19.02 | 10.90 |
| Runway Growth Finance Corp | 70.57m | 47.06m | 576.02m | 0.00 | 9.34 | 0.9533 | -- | 8.16 | 1.49 | 1.49 | 2.21 | 14.60 | 0.1201 | -- | 81.06 | -- | 8.01 | -- | 10.44 | -- | 71.49 | -- | 66.69 | -- | -- | -- | 0.2154 | -- | 4.51 | -- | 69.93 | -- | -- | -- |
| Sunlight Financial Holdings Inc | 79.58m | -23.02m | 578.64m | -- | -- | 0.8615 | -- | 7.27 | -0.4831 | -0.4831 | 1.25 | 5.07 | 0.1291 | -- | -- | -- | -5.21 | -- | -8.21 | -- | 81.79 | -- | -40.37 | -- | -- | -1.71 | 0.0184 | -- | -- | -- | -- | -- | -- | -- |
| Regional Management Corp | 406.31m | 82.26m | 582.19m | 1.54k | 7.48 | 2.04 | 6.15 | 1.43 | 7.56 | 7.56 | 37.25 | 27.73 | 0.3456 | -- | -- | 263,496.10 | 7.00 | 3.49 | 7.44 | 3.61 | -- | -- | 20.24 | 10.18 | -- | 3.71 | 0.7773 | 1.45 | 5.11 | 11.46 | -40.24 | 2.73 | 1.77 | -- |
| International Money Express Inc | 431.33m | 43.33m | 583.45m | 262.00 | 13.60 | 4.41 | 10.98 | 1.35 | 1.11 | 1.11 | 11.07 | 3.42 | 1.51 | -- | 5.43 | 1,646,309.00 | 15.14 | 4.30 | 22.87 | 5.78 | -- | -- | 10.05 | 2.80 | -- | 13.40 | 0.3884 | 0.00 | 11.77 | -- | 72.29 | -- | -- | -- |
| i3 Verticals Inc | 224.12m | -4.46m | 601.80m | 1.44k | -- | 2.94 | 36.30 | 2.69 | -0.2274 | -0.2274 | 9.29 | 6.35 | 0.4248 | -- | 8.00 | 155,858.10 | -1.49 | -0.8528 | -2.09 | -1.23 | 74.25 | 35.30 | -3.50 | -0.9213 | -- | 0.1886 | 0.4092 | -- | 49.28 | 2.34 | -963.72 | -- | 23.31 | -- |
| Oportun Financial Corp | 484.57m | 43.26m | 609.49m | 1.52k | 14.72 | 1.19 | 8.82 | 1.26 | 1.46 | 1.40 | 16.45 | 18.02 | 0.2272 | -- | 28.56 | 177,825.30 | 2.03 | -- | 2.16 | -- | -- | -- | 8.93 | -- | -- | -- | 0.7675 | -- | -24.26 | -- | -1,122.57 | -- | -- | -- |
| Granite Point Mortgage Trust Inc | 206.75m | 83.94m | 663.22m | -- | 8.94 | 0.7115 | -- | 3.21 | 1.38 | 1.38 | 3.41 | 17.35 | 0.0498 | -- | 18.94 | -- | 2.02 | 1.27 | 3.11 | 1.61 | 46.48 | 45.39 | 40.65 | 21.78 | -- | -- | 0.7583 | 125.75 | -10.32 | 88.46 | -157.82 | -- | -- | -- |
| Curo Group Holdings Corp | 931.04m | 92.65m | 671.10m | 3.90k | 8.03 | 3.42 | 5.76 | 0.7208 | 2.07 | 2.07 | 21.67 | 4.85 | 0.6849 | -- | 31.55 | 238,727.70 | 6.82 | 6.58 | 7.97 | 7.85 | 73.72 | 70.83 | 9.95 | 6.22 | -- | 3.31 | 0.8515 | -- | -25.78 | 0.8289 | -39.22 | 28.87 | -11.25 | -- |
| Bit Digital Inc | 92.67m | 36.74m | 673.86m | 63.00 | 12.84 | 5.06 | 14.65 | 7.27 | 0.7665 | 0.7642 | 2.01 | 1.94 | 1.52 | -- | -- | -- | 60.22 | -4.70 | 62.60 | -5.12 | 60.29 | -- | 39.65 | -8.80 | -- | -- | 0.00 | -- | -- | -- | 196.54 | -- | 191.11 | -- |
| Federal Home Loan Mortgage Corp | 61.11bn | 858.00m | 715.07m | 6.91k | 1.31 | -- | -- | 0.0117 | 0.8393 | 0.8393 | 47.15 | 38.94 | 0.0227 | -- | -- | 8,849,819.00 | 0.4554 | 0.3989 | 0.46 | 0.4192 | 8.15 | 23.75 | 20.09 | 13.01 | -- | 1.42 | 0.9913 | 0.00 | -9.69 | 1.47 | 106.11 | -- | -- | -- |
| LexinFintech Holdings Ltd - ADR | 1.92bn | 406.64m | 764.58m | 3.31k | 2.14 | 0.6305 | -- | 0.3984 | 1.96 | 1.96 | 9.27 | 6.66 | 0.5719 | 110.25 | 3.07 | 579,326.30 | 12.12 | 7.42 | 27.70 | 24.05 | 49.59 | 34.10 | 21.19 | 12.55 | 1.62 | 7.75 | 0.4928 | 0.00 | 9.82 | 35.76 | -74.07 | -- | 52.73 | -- |
Data as of Nov 30 2021. Currency figures normalised to Oportun Financial Corp's reporting currency: US Dollar USD
46.40%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Kayne Anderson Rudnick Investment Management LLCas of 30 Sep 2021 | 3.34m | 11.92% |
| Wellington Management Co. LLPas of 30 Sep 2021 | 2.23m | 7.94% |
| Ashford Capital Management, Inc.as of 30 Sep 2021 | 1.45m | 5.17% |
| BlackRock Investment Management (UK) Ltd.as of 30 Sep 2021 | 1.36m | 4.84% |
| BlackRock Fund Advisorsas of 30 Sep 2021 | 1.25m | 4.45% |
| The Vanguard Group, Inc.as of 30 Sep 2021 | 1.03m | 3.66% |
| Punch & Associates Investment Management, Inc.as of 30 Sep 2021 | 826.34k | 2.95% |
| ClearBridge Investments LLCas of 30 Sep 2021 | 640.60k | 2.28% |
| SSgA Funds Management, Inc.as of 30 Sep 2021 | 468.85k | 1.67% |
| Goldman Sachs Asset Management LPas of 30 Sep 2021 | 425.25k | 1.52% |
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Data from 30 Sep 2021 - 30 Sep 2021Source: FactSet Research Systems Inc.
