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Oportun Financial Corp (NASDAQ:OPRT)
6.835 USD
+0.245 3.718%Sponsored Reports
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| Previous Close (in USD) | 6.59 |
|---|---|
| Change | +0.245 3.718% |
| 52 W H/L (in USD) | 7.730/2.050 |
| EBITDA (in USD) | 176.247M |
| PE Ratio | -- |
| Volume | 105916 |
| Diluted Eps TTM | -2.58 |
| Total Assets (in USD) | 3411.888M |
|---|---|
| Total Liabilities (in USD) | 3010.846M |
| Revenue TTM (in USD) | 877.505M |
| Cash (in USD) | 91.187M |
| Market Cap (in USD) | 120.292 M |
| Revenue Per Share TTM | 23.796 |
| Gross Profit TTM (in USD) | 791.869M |
Summary
Income Statement
Balance Sheet
Change in Cash
Operating Cash
Dividend Paid
Oportun Financial Corp
Oportun Financial Corporation provides financial services. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Carlos, California.
Employees: 2340
Key Executives
| Sr. No. | Name | Title | Year Born |
|---|---|---|---|
| 1. | Mr. Raul Vazquez | Pres, CEO & Director | 1972 |
| 2. | Mr. Jonathan Aaron Coblentz | CFO & Chief Admin. Officer | 1971 |
| 3. | Mr. Patrick Kirscht | Chief Credit Officer | 1968 |
| 4. | Mr. Matthew Wayne Jenkins | COO & GM of Personal & Auto Loans | 1969 |
| 5. | Mr. Casey Mueller CPA | Principal Accounting Officer, VP of Fin. & Global Controller | 1982 |
| 6. | Mr. Nils L. Erdmann | VP of Investor Relations | NA |
| 7. | Ms. Joan Aristei | Gen. Counsel & Chief Risk Officer | 1960 |
| 8. | Ms. Seher Banwari | VP of Compliance & Enterprise Risk | NA |
| 9. | Ms. Sarah Livnat | VP of Communications & Impact | NA |
| 10. | Mr. Usher Lieberman | VP of Corp. Communications | NA |
Peers
Sector: Financial Services
Industry: Credit Services
| Company | Change (USD) | Price (USD) | Trailing PE(x) | Forward PE(x) | Price Sales TTM(x) | Price to Book Value(x) | Enterprise Value to Revenue(x) | Enterprise Value to EBITDA(x) |
|
V
Visa Inc. Class A |
+2.020 0.551% | 369.01 | 31.250 | 25.974 | 16.183 | 13.642 | 16.193 | 23.371 |
|
MA
Mastercard Inc |
+1.185 0.202% | 587.91 | 37.040 | 29.499 | 16.143 | 62.352 | 16.474 | 27.236 |
|
AXP
American Express Company |
+4.090 1.382% | 300.29 | 21.830 | 20.040 | 3.529 | 7.208 | 4.178 | 0.000 |
|
PYPL
PayPal Holdings Inc |
+0.550 0.759% | 73.265 | 21.960 | 18.692 | 2.926 | 4.563 | 2.864 | 12.637 |
Income Statement
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Income Before Tax | -75.3M | 62.8M | -58.1M | 84.4M | 170.095M |
| Minority Interest | - | - | - | - | 0M |
| Net Income | -77.8M | 47.4M | -45.1M | 61.6M | 123.394M |
| Selling General Administrative | 213.7M | 153.3M | 126.9M | 106M | 74.119M |
| Gross Profit | 640.7M | 530.4M | 335.1M | 442.4M | 473.559M |
| Reconciled Depreciation | 47.533M | 27.112M | 20.22M | 14.101M | 11.823M |
| Ebit | 17.76M | 62.8M | -58.1M | 84.4M | 217.014M |
| Ebitda | 65.293M | 89.912M | -37.88M | 98.501M | 228.837M |
| Depreciation And Amortization | 47.533M | 27.112M | 20.22M | 14.101M | 11.823M |
| Operating Income | 17.76M | 62.8M | -58.1M | 84.4M | 217.014M |
| Other Operating Expenses | 715.943M | -467.6M | -393.2M | -358M | 256.545M |
| Interest Expense | 93M | 47.7M | 58.4M | 60.5M | 46.919M |
| Tax Provision | 2.458M | 15.4M | -13.012M | 22.834M | 46.701M |
| Interest Income | 876.114M | 575.8M | 545.466M | 544.126M | 448.777M |
| Net Interest Income | 783.068M | 528.1M | 487.098M | 483.58M | 401.858M |
| Income Tax Expense | 2.5M | 15.4M | -13M | 22.8M | 46.701M |
| Total Revenue | 640.7M | 530.4M | 335.1M | 442.4M | 473.559M |
| Total Operating Expenses | 715.943M | -467.6M | -393.2M | -358M | -256.545M |
| Cost Of Revenue | 154.9M | 115.8M | - | 80.78M | -10.865M |
| Total Other Income Expense Net | -93.06M | -47.7M | -58.4M | -60.5M | -46.919M |
| Net Income From Continuing Ops | -77.744M | 47.4M | -45.082M | 61.598M | 123.394M |
| Net Income Applicable To Common Shares | -77.744M | 47.4M | -45.082M | 4.262M | 16.597M |
Balance Sheet
(Currency in USD)| Breakdown | 31-12-2023 | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 |
|---|---|---|---|---|---|
| Total Assets | 3411.888M | 3613.7M | 2946.6M | 2009.1M | 2201.9M |
| Intangible Assets | 114.735M | 139.8M | 131.2M | 27.419M | 18.339M |
| Other Current Assets | 230.555M | 129.217M | 20.9M | -33.731M | -36.913M |
| Total Liab | 3010.846M | 3066.1M | 2342.8M | 1542.8M | 1713.1M |
| Total Stockholder Equity | 404.404M | 547.6M | 603.8M | 466.3M | 488.8M |
| Other Current Liab | 55.704M | -339.172M | -405.519M | -251.649M | -70.661M |
| Common Stock | 0.007M | 0.007M | 0.006M | 0.006M | 0.006M |
| Capital Stock | 0.007M | 0.007M | 0.006M | 0.006M | 0.006M |
| Retained Earnings | -173.849M | 6.1M | 83.8M | 36.4M | 76.7M |
| Good Will | - | 108.472M | 104M | - | - |
| Other Assets | - | 3280.037M | 2521.1M | 1783.281M | 2043.661M |
| Cash | 91.187M | 98.8M | 131M | 136.2M | 72.2M |
| Cash And Equivalents | - | - | - | - | - |
| Total Current Liabilities | 73.778M | -3.457M | 405.519M | 251.649M | 70.661M |
| Current Deferred Revenue | - | - | - | - | - |
| Net Debt | 2847.359M | 2867.3M | 2076.4M | 1327.2M | 1530.4M |
| Short Term Debt | 12.786M | 317.6M | 393.9M | 246.4M | 60.9M |
| Short Long Term Debt | 289.951M | 317.568M | 393.9M | 246.385M | 60.91M |
| Short Long Term Debt Total | 2938.546M | 2966.1M | 2207.4M | 1463.4M | 1602.6M |
| Other Stockholder Equity | 578.246M | 541.493M | 519.994M | 430.194M | 412.231M |
| Property Plant Equipment | - | 40.972M | 38.4M | 46.8M | 73.337M |
| Total Current Assets | 230.555M | 221.03M | 151.9M | 151.6M | 89.4M |
| Long Term Investments | - | - | - | 1.158M | - |
| Short Term Investments | - | 0.017M | -0.041M | - | - |
| Net Receivables | 8.781M | 31.8M | 20.9M | 15.4M | 17.2M |
| Long Term Debt | 2620.219M | 317.568M | 1765.8M | 253.166M | 1488.313M |
| Inventory | -99.968M | - | - | - | - |
| Accounts Payable | 5.288M | 18.115M | 11.619M | 5.249M | 9.761M |
| Accumulated Other Comprehensive Income | 0M | - | - | -0.3M | -0.2M |
| Non Currrent Assets Other | 2981.072M | -57.567M | -273.6M | -74.219M | -68.839M |
| Non Current Assets Total | 3181.333M | 112.633M | 273.6M | 74.219M | 68.839M |
| Capital Lease Obligations | 28.376M | 37.947M | 47.7M | 49.684M | 53.357M |
| Long Term Debt Total | - | 317.568M | 393.889M | 253.166M | 1190.112M |
Cash Flow
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Investments | -1116.661M | -884.8M | 42.976M | -497.68M | -471.427M |
| Total Cashflows From Investing Activities | -1171.548M | -884.8M | 16.379M | -497.68M | -471.427M |
| Total Cash From Financing Activities | 934.5M | 745.7M | -136.8M | 286.3M | 368.073M |
| Net Income | -77.7M | 47.4M | -45.1M | 61.6M | 123.394M |
| Change In Cash | 10.8M | 24.4M | 32.5M | 6.9M | 35.02M |
| Begin Period Cash Flow | 193M | 168.6M | 136.1M | 129.2M | 94.155M |
| End Period Cash Flow | 203.8M | 193M | 168.6M | 136.1M | 129.175M |
| Total Cash From Operating Activities | 247.9M | 163.4M | 152.9M | 218.4M | 138.374M |
| Depreciation | 47.533M | 27.112M | 20.22M | 14.101M | 11.823M |
| Other Cashflows From Investing Activities | -48.892M | -12.2M | -21.772M | -471.457M | -453.483M |
| Dividends Paid | - | - | - | - | 0M |
| Change To Inventory | - | - | - | - | 0M |
| Sale Purchase Of Stock | - | - | -2M | 60.479M | 0M |
| Other Cashflows From Financing Activities | 3152.219M | 2694.719M | 509.2M | 394M | 1342.949M |
| Capital Expenditures | 48.9M | 26.5M | 26.6M | 26.2M | 17.944M |
| Change In Working Capital | -80.7M | -10.4M | -34.3M | 15.1M | -29.88M |
| Other Non Cash Items | 314.696M | 63.98M | 207.056M | 97.997M | -15.758M |
| Free Cash Flow | 199M | 136.9M | 126.3M | 192.2M | 120.43M |
Funds
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | Vanguard Total Stock Mkt Idx Inv | 1 year ago | 861131 |
| 2. | BGF FinTech Z2 USD | 1 year ago | 680237 |
| 3. | FullerThaler Behavioral Micro-Cap Core | 1 year ago | 537342 |
| 4. | Vanguard Institutional Extnd Mkt Idx Tr | 1 year ago | 391650 |
| 5. | Invesco FTSE RAFI US 1500 Small-Mid ETF | 1 year ago | 165092 |
| 6. | DFA US Targeted Value I | 1 year ago | 164799 |
| 7. | Fidelity Extended Market Index | 1 year ago | 151790 |
| 8. | Dimensional US Targeted Value ETF | 1 year ago | 121975 |
| 9. | Bridgeway Omni Small-Cap Value | 1 year ago | 112500 |
| 10. | Bridgeway Omni Small-Cap Value N | 1 year ago | 112500 |
| 11. | Bridgeway Ultra-Small Company Market | 1 year ago | 100000 |
| 12. | EA Bridgeway Omni Small-Cap Value ETF | 1 year ago | 99826 |
| 13. | BlackRock Extended Mkt Composite | 1 year ago | 77347 |
| 14. | Dimensional US Small Cap ETF | 1 year ago | 72398 |
| 15. | FullerThaler Behvrl Mcr-Cp Eq Instl | 1 year ago | 70315 |
| 16. | BlackRock Extended Equity Market K | 1 year ago | 67503 |
| 17. | iShares Micro-Cap ETF | 1 year ago | 59060 |
| 18. | Daiwa US Small Cap Sutainable Gr MF | 1 year ago | 57895 |
| 19. | Federated Hermes Prudent Bear A | 1 year ago | 50000 |
| 20. | Federated Hermes Alternative Bear Eq. | 1 year ago | 50000 |
Institutions
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | Neuberger Berman Group LLC | 1 year ago | 3761139 |
| 2. | Findell Capital Management LLC | 1 year ago | 2021000 |
| 3. | BlackRock Inc | 1 year ago | 1493222 |
| 4. | Long Focus Capital Management, LLC | 1 year ago | 1315777 |
| 5. | Vanguard Group Inc | 1 year ago | 1293535 |
| 6. | Millennium Management LLC | 1 year ago | 1192459 |
| 7. | Acadian Asset Management LLC | 1 year ago | 813254 |
| 8. | Madrone Advisors LLC | 1 year ago | 623295 |
| 9. | RBF LLC | 1 year ago | 589738 |
| 10. | Glynn Capital Management, LLC | 1 year ago | 588233 |
| 11. | Dimensional Fund Advisors, Inc. | 1 year ago | 586336 |
| 12. | Park West Asset Management LLC | 1 year ago | 565235 |
| 13. | Summa Corp | 1 year ago | 563808 |
| 14. | Fuller & Thaler Asset Management Inc | 1 year ago | 537342 |
| 15. | Tejara Capital Ltd | 1 year ago | 466320 |
| 16. | Morgan Stanley - Brokerage Accounts | 1 year ago | 386251 |
| 17. | Union Square Park Capital Management, LLC | 1 year ago | 368893 |
| 18. | Bridgeway Capital Management, LLC | 1 year ago | 331682 |
| 19. | Geode Capital Management, LLC | 1 year ago | 301355 |
| 20. | Two Sigma Advisers, LLC | 1 year ago | 291100 |
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