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About the company
Oportun Financial Corporation is a financial services company. The Company offers access to a suite of financial products, offered either directly or through partners, including lending and savings powered by artificial intelligence. The Company's credit products include unsecured and secured personal loans. Its unsecured personal loan is a fully amortizing installment loan with fixed payments throughout the life of the loan. Its secured personal loan is a personal installment loan product secured by an automobile. It also offers automated savings, through its Set & Save platform. Its Set & Save product is designed to understand a member’s cash flows and save the right amount on a regular basis. It reaches incremental members through its Lending as a Service lead generation program. It allows consumers to become members and access its products through the Oportun Mobile App and the Oportun.com Website, which serve as its primary platforms for onboarding and providing member services.
- Revenue in USD (TTM)321.87m
- Net income in USD-42.48m
- Incorporated2011
- Employees1.52k
- LocationOportun Financial Corp2 Circle Star WaySAN CARLOS 94070-6200United StatesUSA
- Phone+1 (650) 810-8823
- Fax+1 (302) 655-5049
Peer analysis
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fifth District Bancorp Inc | 20.19m | 132.00k | 71.88m | 67.00 | 519.28 | 0.5649 | 86.50 | 5.94 | 0.0249 | 0.0249 | 2.22 | 22.89 | -- | -- | -- | -- | 0.026 | -- | -- | -- | -- | -- | 1.09 | -- | -- | -- | -- | -- | 17.45 | -- | -235.18 | -- | -- | -- |
| Favo Capital Inc | 1.84m | -2.05m | 87.73m | 0.00 | -- | -- | -- | 47.74 | -0.0972 | -0.0972 | 0.0867 | -0.0691 | 1.05 | -- | 1.53 | -- | -117.26 | -- | -- | -- | -2.23 | -- | -111.48 | -- | -- | -3.89 | 1.79 | -- | 1,753.39 | -- | -486.71 | -- | -- | -- |
| Vroom Inc | 127.62m | -54.92m | 147.57m | 704.00 | -- | 0.9302 | -- | 1.16 | -43.85 | -46.02 | 48.06 | 30.72 | 0.1154 | -- | 9.48 | 181,272.70 | -4.97 | -15.61 | -7.16 | -22.18 | 54.25 | 9.24 | -43.04 | -18.66 | -- | -16.60 | 0.8291 | -- | 16.23 | -38.10 | -62.45 | -- | -0.2335 | -- |
| California First Leasing Corp | 3.87m | 4.59m | 175.02m | 98.00 | 38.20 | -- | 17.71 | 45.18 | 0.4921 | 0.4921 | 0.4161 | -- | -- | -- | -- | -- | -- | 5.79 | -- | 6.38 | -- | -- | 118.46 | 78.46 | -- | -- | -- | 28.46 | 128.19 | 27.53 | 99.08 | 37.54 | -- | -- |
| Consumer Portfolio Services Inc | 389.14m | 19.31m | 202.02m | 943.00 | 11.77 | 0.6752 | 10.00 | 0.5191 | 0.796 | 0.796 | 16.04 | 13.88 | 0.1165 | -- | 39.40 | 417,081.50 | 0.578 | 1.69 | 0.5917 | 1.73 | 47.52 | 62.37 | 4.96 | 13.73 | -- | -- | 0.9171 | -- | 9.56 | 1.50 | -57.65 | 28.85 | -10.43 | -- |
| Better Home & Finance Holding Co | 141.92m | -205.36m | 206.71m | 1.25k | -- | -- | -- | 1.46 | -13.57 | -13.57 | 9.38 | -6.73 | 0.1537 | -- | 7.06 | 113,537.60 | -22.24 | -- | -28.96 | -- | 83.70 | 31.63 | -144.70 | -61.85 | -- | -- | 1.11 | -- | 25.05 | 5.96 | 61.54 | -- | -5.63 | -- |
| CPI Card Group Inc | 491.43m | 18.84m | 245.94m | 1.50k | 13.77 | -- | 6.93 | 0.5005 | 1.58 | 1.58 | 41.30 | -2.63 | 1.46 | 4.05 | 6.82 | 327,617.30 | 5.61 | 7.98 | 7.08 | 10.12 | 34.67 | 36.12 | 3.83 | 5.37 | 1.80 | 1.78 | 1.12 | 0.00 | 8.11 | 11.56 | -18.61 | -- | 17.26 | -- |
| Oportun Financial Corp | 321.87m | -42.48m | 277.70m | 1.52k | -- | 0.6484 | 42.01 | 0.8628 | -1.12 | -1.12 | 7.59 | 9.76 | 0.099 | -- | -- | 139,215.40 | -1.31 | -2.26 | -1.34 | -2.35 | -- | -- | -13.20 | -15.97 | -- | -- | 0.884 | -- | 5.18 | -7.77 | 56.28 | -- | -5.20 | -- |
| Regional Management Corp | 597.16m | 33.03m | 326.59m | 2.13k | 10.00 | 0.9281 | 6.92 | 0.5469 | 3.29 | 3.29 | 59.56 | 35.47 | 0.3266 | -- | -- | 280,226.20 | 1.81 | 2.94 | 1.88 | 3.53 | -- | -- | 5.53 | 9.14 | -- | 1.56 | 0.8042 | 21.56 | 6.73 | 10.59 | 158.35 | -1.62 | 18.62 | -- |
| Lendingtree Inc | 972.18m | -55.10m | 516.30m | 927.00 | -- | 4.98 | -- | 0.5311 | -4.12 | -4.12 | 72.60 | 7.67 | 1.14 | -- | 10.39 | 1,048,737.00 | -6.47 | -5.75 | -7.85 | -6.73 | 96.15 | 94.65 | -5.67 | -6.74 | -- | 1.34 | 0.8264 | -- | 33.86 | -4.04 | 65.93 | -- | -10.95 | -- |
| Yiren Digital Ltd - ADR | 832.82m | 187.09m | 527.08m | 949.00 | 2.84 | 0.3882 | 2.80 | 0.6329 | 2.15 | 2.15 | 9.56 | 15.71 | 0.4932 | -- | 10.02 | 877,580.90 | 11.08 | 11.66 | 13.27 | 15.11 | 85.38 | 80.06 | 22.46 | 23.02 | -- | -- | 0.00 | -- | 18.59 | -7.93 | -23.94 | 6.49 | -28.16 | -- |
| Loandepot Inc | 1.47bn | -85.97m | 541.05m | 4.90k | -- | 2.06 | -- | 0.369 | -0.4534 | -0.4534 | 6.45 | 0.797 | 0.2326 | -- | -- | 299,253.90 | -2.72 | 3.86 | -6.84 | -- | 81.28 | 87.58 | -11.69 | 11.83 | -- | 0.5364 | 0.9057 | -- | 10.17 | -2.20 | 10.72 | -- | 16.02 | -- |
| Holder | Shares | % Held |
|---|---|---|
| Findell Capital Management LLCas of 29 May 2025 | 3.24m | 7.39% |
| Millennium Management LLCas of 31 Mar 2025 | 1.94m | 4.42% |
| Long Focus Capital Management LLCas of 31 Mar 2025 | 1.52m | 3.46% |
| The Vanguard Group, Inc.as of 31 Mar 2025 | 1.40m | 3.19% |
| Boothbay Fund Management LLCas of 31 Mar 2025 | 1.31m | 3.00% |
| Marshall Wace LLPas of 31 Mar 2025 | 1.10m | 2.52% |
| Acadian Asset Management LLCas of 31 Mar 2025 | 1.06m | 2.41% |
| Portolan Capital Management LLCas of 31 Mar 2025 | 818.35k | 1.87% |
| Two Sigma Advisers LPas of 31 Mar 2025 | 723.00k | 1.65% |
| Acuitas Investments LLCas of 31 Mar 2025 | 714.39k | 1.63% |
