Oportun Financial Corporation

DB:4L0 Stock Report

Market Cap: €108.3m

Oportun Financial Valuation

Is 4L0 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 4L0 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate 4L0's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate 4L0's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 4L0?

Key metric: As 4L0 is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for 4L0. This is calculated by dividing 4L0's market cap by their current revenue.
What is 4L0's PS Ratio?
PS Ratio0.2x
SalesUS$796.99m
Market CapUS$113.67m

Price to Sales Ratio vs Peers

How does 4L0's PS Ratio compare to its peers?

The above table shows the PS ratio for 4L0 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average1.8x
E4I Multitude
0.9x24.0%€101.8m
OT8 Eleving Group
1.1x6.4%€190.9m
CAG0 Clere
1.9xn/a€91.9m
LQAG Laiqon
3.2x22.3%€96.3m
4L0 Oportun Financial
0.2x12.8%€113.7m

Price-To-Sales vs Peers: 4L0 is good value based on its Price-To-Sales Ratio (0.2x) compared to the peer average (1.8x).

Price to Sales Ratio vs Industry

How does 4L0's PS Ratio compare vs other companies in the European Consumer Finance Industry?

7 CompaniesPrice / SalesEstimated GrowthMarket Cap
Industry Avg.1.6x9.9%
4L0 Oportun Financial
 0.2x12.8%US$113.67m
4L0 0.2xIndustry Avg. 1.6xNo. of Companies6PS01.63.24.86.48+
7 CompaniesEstimated GrowthMarket Cap
Industry Avg.1.6x21.4%
4L0 Oportun Financial
 0.2x114.5%US$113.67m
No more companies

Price-To-Sales vs Industry: 4L0 is good value based on its Price-To-Sales Ratio (0.2x) compared to the European Consumer Finance industry average (1.7x).

Price to Sales Ratio vs Fair Ratio

What is 4L0's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

4L0 PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio0.2x
Fair PS Ratio2x

Price-To-Sales vs Fair Ratio: 4L0 is good value based on its Price-To-Sales Ratio (0.2x) compared to the estimated Fair Price-To-Sales Ratio (2x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 4L0 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€2.86
€5.43
+89.8%
39.1%€7.55€3.30n/a2
Nov ’25€2.18
€5.29
+142.9%
39.1%€7.37€3.22n/a2
Aug ’25€2.44
€5.31
+117.4%
39.1%€7.38€3.23n/a2
Jul ’25€2.30
€5.37
+133.6%
39.1%€7.48€3.27n/a2
Jun ’25€2.70
€5.37
+99.0%
39.1%€7.48€3.27n/a2
May ’25€2.98
€5.37
+80.3%
39.1%€7.48€3.27n/a2
Apr ’25€2.20
€3.44
+56.6%
6.7%€3.67€3.21n/a2
Mar ’25€3.54
€6.62
+87.1%
26.0%€8.22€4.11n/a4
Feb ’25€3.36
€6.62
+97.1%
26.0%€8.22€4.11n/a4
Jan ’25€3.40
€6.47
+90.2%
24.1%€8.20€4.10n/a5
Dec ’24€2.34
€6.36
+171.7%
21.6%€8.42€4.21n/a5
Nov ’24€5.45
€8.43
+54.7%
22.1%€12.29€6.62€2.186
Oct ’24€6.70
€7.71
+15.1%
26.7%€11.92€5.50€2.146
Sep ’24€6.35
€7.71
+21.5%
26.7%€11.92€5.50€2.346
Aug ’24€5.50
€6.64
+20.6%
14.6%€8.14€4.98€2.446
Jul ’24€5.40
€6.48
+20.0%
18.6%€8.28€4.37€2.306
Jun ’24€5.30
€6.12
+15.4%
17.9%€7.46€4.43€2.704
May ’24€3.40
€5.12
+50.7%
24.2%€7.32€3.66€2.985
Apr ’24€3.54
€5.94
+67.8%
30.6%€9.28€3.71€2.205
Mar ’24€5.60
€10.05
+79.5%
40.0%€16.58€5.53€3.546
Feb ’24€6.30
€10.05
+59.6%
40.0%€16.58€5.53€3.366
Jan ’24€5.10
€11.70
+129.4%
36.0%€17.87€6.45€3.407
Dec ’23€5.20
€11.70
+125.0%
36.0%€17.87€6.45€2.347
Nov ’23€5.45
€12.95
+137.6%
35.6%€20.26€6.58€5.457

Analyst Forecast: Target price is more than 20% higher than the current share price, but there are not enough analysts covering the stock to determine statistical confidence in agreement.

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