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About the company
Oportun Financial Corporation is a fintech company. Its financial products allow it to meet its members where they are and assist them with their overall financial health. Its products include personal loans, unsecured personal loans, secured personal loans, and Set & Save. Personal loans allow its members to address pressing financial needs as well as planned purchases and personal growth opportunities. Its secured personal loans allow its members to access larger loan sizes than they can with an unsecured loan, which is critical if the financial need they are addressing exceeds its unsecured lending limits for that member. Set & Save is its savings product. Its intelligent lending and savings platform is designed to help people, even those who are not well served by mainstream financial institutions, access credit and automate their savings without impacting their ability to meet daily spending needs. It applies artificial intelligence (AI) to automates people’s financial health.
- Revenue in USD (TTM)280.67m
- Net income in USD-179.95m
- Incorporated2015
- Employees2.34k
- 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) |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Usio Inc | 81.93m | -651.90k | 46.04m | 117.00 | -- | 3.10 | 31.12 | 0.5619 | -0.0349 | -0.0349 | 3.50 | 0.5643 | 0.7349 | 153.75 | 18.68 | 700,289.70 | -0.5847 | -4.11 | -3.90 | -23.57 | 22.94 | 22.65 | -0.7956 | -8.12 | 1.06 | -- | 0.0019 | -- | 12.09 | 36.65 | -1,604.83 | -- | 16.88 | -- |
Stronghold Digital Mining Inc | 74.97m | -50.90m | 48.69m | 111.00 | -- | 0.6706 | -- | 0.6494 | -9.80 | -9.80 | 11.00 | 5.74 | 0.3832 | 14.17 | 13.22 | 675,372.20 | -52.05 | -- | -68.83 | -- | 18.06 | -- | -135.83 | -- | 0.3843 | -6.00 | 0.4712 | -- | -31.99 | -- | 42.97 | -- | -- | -- |
Nicholas Financial Inc | 27.09m | -36.39m | 49.28m | 16.00 | -- | 0.8345 | -- | 1.82 | -5.00 | -5.00 | 3.72 | 8.10 | 0.264 | -- | 29.13 | 1,693,000.00 | -35.47 | -2.10 | -36.52 | -2.18 | -- | -- | -134.33 | -8.04 | -- | -14.60 | 0.00 | -- | -10.93 | -11.98 | -1,238.06 | -- | -14.61 | -- |
Altisource Portfolio Solutions S.A. | 145.07m | -56.29m | 51.81m | 1.07k | -- | -- | -- | 0.3572 | -2.59 | -2.59 | 6.48 | -4.74 | 0.8287 | -- | 11.76 | 135,449.10 | -32.02 | -29.14 | -41.09 | -36.94 | 20.44 | 18.40 | -38.65 | -30.52 | -- | -0.482 | 2.38 | -- | -5.26 | -29.59 | -5.38 | -- | -- | -- |
Manhattan Bridge Capital Inc | 9.80m | 5.48m | 57.31m | 5.00 | 10.49 | 1.34 | 10.46 | 5.85 | 0.4775 | 0.4775 | 0.8541 | 3.75 | 0.1283 | -- | 0.1304 | 1,959,252.00 | 7.17 | 7.36 | 7.40 | 7.59 | -- | -- | 55.90 | 60.31 | -- | 3.15 | 0.4192 | 83.33 | 14.30 | 6.28 | 5.07 | 5.43 | 34.65 | -0.8659 |
Blueone Card Inc | 29.00k | -1.64m | 69.38m | 2.00 | -- | 147.85 | -- | 2,392.44 | -0.1441 | -0.1441 | 0.0025 | 0.0389 | 0.0342 | -- | -- | -- | -193.72 | -- | -567.49 | -- | -44.79 | -- | -5,667.66 | -- | 0.2223 | -- | 0.00 | -- | -65.37 | -- | -110.76 | -- | -- | -- |
Oportun Financial Corp | 280.67m | -179.95m | 83.63m | 2.34k | -- | 0.2063 | -- | 0.298 | -5.05 | -5.05 | 7.61 | 11.73 | 0.0799 | -- | -- | 119,942.70 | -5.12 | -1.44 | -5.27 | -1.51 | -- | -- | -64.12 | -8.62 | -- | -- | 0.878 | -- | -56.19 | -9.93 | -131.47 | -- | 12.75 | -- |
CoreCard Corp | 56.00m | 3.40m | 91.42m | 1.20k | 27.61 | 1.73 | 11.54 | 1.63 | 0.3991 | 0.3991 | 6.61 | 6.35 | 0.8816 | -- | 5.40 | -- | 5.34 | 16.88 | 6.17 | 19.92 | 35.70 | 52.21 | 6.06 | 18.61 | -- | 0.018 | -- | -- | -19.72 | 22.75 | -75.54 | -11.47 | -- | -- |
Cherry Hill Mortgage Investment Corp | 41.67m | -44.65m | 103.87m | 0.00 | -- | 0.7414 | -- | 2.49 | -1.71 | -1.71 | 1.59 | 8.51 | 0.0297 | -- | 1.67 | -- | -2.53 | -1.16 | -9.10 | -4.73 | -67.33 | -53.89 | -85.10 | -60.72 | -- | -- | 0.8059 | -- | -40.12 | -14.98 | -475.63 | -- | -- | -17.76 |
Holder | Shares | % Held |
---|---|---|
Neuberger Berman Investment Advisers LLCas of 31 Dec 2023 | 3.76m | 10.99% |
Findell Capital Management LLCas of 19 Mar 2024 | 2.65m | 7.74% |
Ellington Management Group LLCas of 31 Dec 2023 | 2.48m | 7.26% |
The Vanguard Group, Inc.as of 31 Dec 2023 | 1.38m | 4.05% |
Long Focus Capital Management LLCas of 31 Dec 2023 | 1.32m | 3.84% |
Millennium Management LLCas of 31 Dec 2023 | 1.31m | 3.83% |
Acadian Asset Management LLCas of 31 Dec 2023 | 731.11k | 2.14% |
BlackRock Investment Management (UK) Ltd.as of 31 Dec 2023 | 675.65k | 1.97% |
Madrone Advisors LLCas of 31 Dec 2023 | 623.30k | 1.82% |
RBF Capital LLCas of 31 Dec 2023 | 589.74k | 1.72% |