Oportun Financial Corporation

NasdaqGS:OPRT Stock Report

Market Cap: US$139.6m

Oportun Financial Past Earnings Performance

Past criteria checks 0/6

Oportun Financial's earnings have been declining at an average annual rate of -41.8%, while the Consumer Finance industry saw earnings growing at 4.3% annually. Revenues have been growing at an average rate of 12.9% per year.

Key information

-41.8%

Earnings growth rate

-35.7%

EPS growth rate

Consumer Finance Industry Growth7.2%
Revenue growth rate12.9%
Return on equity-39.5%
Net Margin-16.2%
Last Earnings Update30 Sep 2024

Recent past performance 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

Revenue & Expenses Breakdown

How Oportun Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqGS:OPRT Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24797-1297150
30 Jun 24824-1207400
31 Mar 24853-1047690
31 Dec 23878-1808030
30 Sep 23893-1478530
30 Jun 23895-2318510
31 Mar 23879-2258260
31 Dec 22859-787850
30 Sep 22816-557070
30 Jun 22741746310
31 Mar 22658905930
31 Dec 21579475020
30 Sep 21524424700
30 Jun 21499134800
31 Mar 21500-294600
31 Dec 20525-455010
30 Sep 20548-495090
30 Jun 20564-714910
31 Mar 20558-114740
31 Dec 1954444210
30 Sep 1952343650
30 Jun 19493343110
31 Mar 19473472560
31 Dec 18433172350
30 Sep 1836632220
30 Jun 1831302120
31 Mar 18265-391980
31 Dec 17226-101930
31 Dec 1617841400
31 Dec 151240960

Quality Earnings: OPRT is currently unprofitable.

Growing Profit Margin: OPRT is currently unprofitable.

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: OPRT is unprofitable, and losses have increased over the past 5 years at a rate of 41.8% per year.

Accelerating Growth: Unable to compare OPRT's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: OPRT is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-5.4%).

Return on Equity

High ROE: OPRT has a negative Return on Equity (-39.46%), as it is currently unprofitable.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/02 20:02
End of Day Share Price 2024/12/31 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

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

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

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Oportun Financial Corporation is covered by 8 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.