Oportun Financial Corporation

NasdaqGS:OPRT Stock Report

Market Cap: US$146.4m

Oportun Financial Management

Management criteria checks 3/4

Oportun Financial's CEO is Raul Vazquez, appointed in Apr 2012, has a tenure of 12.67 years. total yearly compensation is $1.69M, comprised of 40.6% salary and 59.4% bonuses, including company stock and options. directly owns 3.09% of the company’s shares, worth $4.52M. The average tenure of the management team and the board of directors is 9.2 years and 8.2 years respectively.

Key information

Raul Vazquez

Chief executive officer

US$1.7m

Total compensation

CEO salary percentage40.6%
CEO tenure12.7yrs
CEO ownership3.1%
Management average tenure9.2yrs
Board average tenure8.2yrs

Recent management updates

Recent updates

Oportun Financial: A Possible Turnaround Priced For Disaster, Speculative Buy

Oct 31

Oportun Financial Q2 Non-GAAP EPS, revenue beats, profit guidance lowered

Aug 08

Oportun Financial gets price target cut at Barclays as stock slides to 52-week low

Jul 11

CEO Compensation Analysis

How has Raul Vazquez's remuneration changed compared to Oportun Financial's earnings?
DateTotal CompensationSalaryCompany Earnings
Sep 30 2024n/an/a

-US$129m

Jun 30 2024n/an/a

-US$120m

Mar 31 2024n/an/a

-US$104m

Dec 31 2023US$2mUS$688k

-US$180m

Sep 30 2023n/an/a

-US$147m

Jun 30 2023n/an/a

-US$231m

Mar 31 2023n/an/a

-US$225m

Dec 31 2022US$5mUS$684k

-US$78m

Sep 30 2022n/an/a

-US$55m

Jun 30 2022n/an/a

US$74m

Mar 31 2022n/an/a

US$90m

Dec 31 2021US$3mUS$592k

US$47m

Sep 30 2021n/an/a

US$42m

Jun 30 2021n/an/a

US$13m

Mar 31 2021n/an/a

-US$29m

Dec 31 2020US$6mUS$539k

-US$45m

Sep 30 2020n/an/a

-US$49m

Jun 30 2020n/an/a

-US$71m

Mar 31 2020n/an/a

-US$11m

Dec 31 2019US$3mUS$481k

US$4m

Sep 30 2019n/an/a

US$4m

Jun 30 2019n/an/a

US$34m

Mar 31 2019n/an/a

US$47m

Dec 31 2018US$5mUS$460k

US$17m

Sep 30 2018n/an/a

US$3m

Jun 30 2018n/an/a

-US$406k

Mar 31 2018n/an/a

-US$39m

Dec 31 2017US$876kUS$450k

-US$10m

Compensation vs Market: Raul's total compensation ($USD1.69M) is above average for companies of similar size in the US market ($USD646.54K).

Compensation vs Earnings: Raul's compensation has been consistent with company performance over the past year.

CEO

Raul Vazquez (52 yo)

12.7yrs

Tenure

US$1,694,535

Compensation

Mr. Raul Vazquez has been Chief Executive Officer of Oportun Financial Corporation since April 2012 and serves as its President. Mr. Vazquez served as Executive Vice President and President of Wal-Mart Wes...

Leadership Team

NamePositionTenureCompensationOwnership
Raul Vazquez
President12.7yrsUS$1.69m3.09%
$ 4.5m
Kathleen Layton
Chief Legal Officer & Corporate Secretary4.8yrsUS$886.09k0.29%
$ 417.5k
Patrick Kirscht
Chief Credit Officer9.2yrsUS$843.91k0.50%
$ 727.4k
Jonathan Coblentz
CFO & Chief Administrative Officer15.4yrsUS$1.74m1.27%
$ 1.9m
Casey Mueller
Senior VP of Finance2.7yrsno data0.55%
$ 805.6k
Deepak Rao
Chief Technology Officerno datano datano data
Dorian Hare
Senior Vice President of Investor Relations2.7yrsno datano data
Gonzalo Palacio
Chief Marketing Officerno datano datano data
Ezra Garrett
Senior Vice President of Public Affairs & Impact9.3yrsno datano data

9.2yrs

Average Tenure

52yo

Average Age

Experienced Management: OPRT's management team is seasoned and experienced (9.2 years average tenure).

Board Members

NamePositionTenureCompensationOwnership
Raul Vazquez
President12.7yrsUS$1.69m3.09%
$ 4.5m
Christy Haubegger
Member of Advisory Boardno datano datano data
Ellen Levy
Member of Advisory Boardno datano datano data
Tom Dailey
Member of Advisory Boardno datano datano data
R. Williams
Independent Lead Director7.1yrsUS$186.66k0.21%
$ 303.2k
Lars Dalgaard
Member of Advisory Boardno datano datano data
Sandra Smith
Independent Director3.3yrsUS$181.06k0.10%
$ 146.4k
Jorge Delgado
Member of Advisory Boardno datano datano data
Arjan Schütte
Member of Advisory Boardno datano datano data
Alejandro Estrada
Member of Advisory Boardno datano datano data
Ann Barefoot
Independent Director8.2yrsUS$173.17k0.14%
$ 207.0k
Louis Miramontes
Independent Director10.2yrsUS$173.17k0.13%
$ 185.2k

8.2yrs

Average Tenure

55yo

Average Age

Experienced Board: OPRT's board of directors are considered experienced (8.2 years average tenure).

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/30 23:42
End of Day Share Price 2024/12/30 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

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Analyst Sources

Oportun Financial Corporation is covered by 9 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Mark DeVriesBarclays
Mark DeVriesBarclays
Harold GoetschB. Riley Securities, Inc.