OPORTUN FINANCIAL CORPORATION |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 3.15 USD | +1.61% |
|
+37.55% | -19.44% |
| Apr. 24 | B. Riley Adjusts Oportun Financial's Price Target to $8 From $9, Keeps Buy Rating | MT |
| Apr. 23 | Sector Update: Financial Stocks Advance Late Afternoon | MT |
Valuation
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Capitalization 1 | 642.6 | 534.8 | 575.2 | 182.9 | 133.8 | 108.9 | - |
| Enterprise Value (EV) 1 | 642.6 | 534.8 | 575.2 | 182.9 | 133.8 | 108.9 | 108.9 |
| P/E ratio | 59.5 x | -11.7 x | 13 x | -2.32 x | -0.8 x | -2.73 x | 13.2 x |
| Yield | - | - | - | - | - | - | - |
| Capitalization / Revenue | 1.07 x | 0.92 x | 0.92 x | 0.19 x | 0.13 x | 0.11 x | 0.1 x |
| EV / Revenue | 1.07 x | 0.92 x | 0.92 x | 0.19 x | 0.13 x | 0.11 x | 0.1 x |
| EV / EBITDA | 8.65 x | 24.2 x | 12.2 x | - | -13 x | 1.49 x | 1.3 x |
| EV / FCF | - | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - | - |
| Price to Book | 1.31 x | 1.15 x | 1.07 x | 0.33 x | 0.33 x | 0.33 x | 0.32 x |
| Nbr of stocks (in thousands) | 27,001 | 27,607 | 28,403 | 33,193 | 34,230 | 34,557 | - |
| Reference price 2 | 23.80 | 19.37 | 20.25 | 5.510 | 3.910 | 3.150 | 3.150 |
| Announcement Date | 2/27/20 | 2/18/21 | 2/24/22 | 3/13/23 | 3/12/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net sales 1 | 600.1 | 583.7 | 626.8 | 952.5 | 1,057 | 996.8 | 1,111 |
| EBITDA 1 | 74.3 | 22.1 | 47 | - | -10.3 | 73.2 | 83.7 |
| EBIT | - | - | - | - | - | - | - |
| Operating Margin | - | - | - | - | - | - | - |
| Earnings before Tax (EBT) 1 | 84.4 | -58.1 | 62.8 | -75.3 | -253.7 | -61.98 | 9.79 |
| Net income 1 | 61.6 | -45.1 | 47.4 | -77.7 | -180 | -44.27 | 9.322 |
| Net margin | 10.26% | -7.73% | 7.56% | -8.16% | -17.03% | -4.44% | 0.84% |
| EPS 2 | 0.4000 | -1.650 | 1.560 | -2.370 | -4.880 | -1.154 | 0.2385 |
| Free Cash Flow | - | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - |
| Dividend per Share | - | - | - | - | - | - | - |
| Announcement Date | 2/27/20 | 2/18/21 | 2/24/22 | 3/13/23 | 3/12/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 2021 Q3 | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 159.1 | 194.1 | 214.7 | 225.8 | 250.1 | 261.9 | 259.5 | 266.6 | 268.2 | 262.6 | 240.5 | 245.6 | 251.8 | 259 | 262.8 |
| EBITDA 1 | 18.1 | 23.1 | 33.9 | -4.5 | - | - | -24.5 | 4.3 | 15.6 | 1.7 | -5.018 | 12.2 | 22.8 | 33.2 | - |
| EBIT | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Earnings before Tax (EBT) 1 | 28.1 | 20.9 | 57.7 | -12.7 | -112.4 | -7.9 | -141.5 | -17.5 | -37.4 | -57.3 | -38.76 | -18.28 | -6.998 | 1.818 | -6.238 |
| Net income 1 | 23 | 14.2 | 45.7 | -9.2 | -105.8 | -8.4 | -102.1 | -14.9 | -21.1 | -41.8 | -29.05 | -12.87 | -4.422 | 1.918 | -4.679 |
| Net margin | 14.46% | 7.32% | 21.29% | -4.07% | -42.3% | -3.21% | -39.34% | -5.59% | -7.87% | -15.92% | -12.08% | -5.24% | -1.76% | 0.74% | -1.78% |
| EPS 2 | 0.7500 | 0.4600 | 1.370 | -0.2800 | -3.210 | -0.2500 | -3.000 | -0.4100 | -0.5500 | -1.090 | -0.7534 | -0.3334 | -0.1161 | 0.0523 | -0.1200 |
| Dividend per Share | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Announcement Date | 11/3/21 | 2/24/22 | 5/9/22 | 8/8/22 | 11/7/22 | 3/13/23 | 5/8/23 | 8/8/23 | 11/6/23 | 3/12/24 | - | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - |
| Net Cash position | - | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | 14.7% | -3% | 14.7% | 12.1% | -26.1% | -0.98% | 2.3% |
| ROA (Net income/ Total Assets) | 3.13% | -0.67% | 3.18% | 2.12% | -5.12% | -0.11% | 0.24% |
| Assets 1 | 1,971 | 6,687 | 1,492 | -3,672 | 3,514 | 39,531 | 3,820 |
| Book Value Per Share 2 | 18.10 | 16.90 | 18.90 | 16.70 | 11.70 | 9.610 | 9.920 |
| Cash Flow per Share | - | - | - | - | - | - | - |
| Capex | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - |
| Announcement Date | 2/27/20 | 2/18/21 | 2/24/22 | 3/13/23 | 3/12/24 | - | - |
1USD in Million2USD
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
C+
Sell
Buy
Mean consensus
OUTPERFORM
Number of Analysts
4
Last Close Price
3.15
USD
Average target price
5.75
USD
Spread / Average Target
+82.54%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -19.44% | 109M | |
| -8.14% | 49.88B | |
| -5.25% | 30.53B | |
| +63.88% | 29.08B | |
| +20.03% | 23.38B | |
| +16.97% | 17.94B | |
| -6.99% | 11.81B | |
| +21.92% | 11.27B | |
| -20.90% | 8.31B | |
| +14.34% | 8.13B |
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- Financials Oportun Financial Corporation
