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Oportun Financial Corp
NASDAQ:OPRT

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Oportun Financial Corp Logo
Oportun Financial Corp
NASDAQ:OPRT
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Price: 2.42 USD -2.81%
Updated: Mar 28, 2024

Intrinsic Value

OPRT's intrinsic value estimate is unreliable because it is based only on its multiples and doesn't use a DCF valuation.

Oportun Financial Corp. is a holding company, which engages in the provision of financial services for customers with credit invisibles. [ Read More ]

The intrinsic value of one OPRT stock under the Base Case scenario is 23.2 USD. Compared to the current market price of 2.42 USD, Oportun Financial Corp is Undervalued by 90%.

Key Points:
OPRT Intrinsic Value
Base Case
23.2 USD
Undervaluation 90%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation Backtest
Oportun Financial Corp

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Fundamental Analysis

Company Strives Amidst Financial Adjustments
2023-Q4 Earnings Call

Company Strives Amidst Financial Adjustments

The company faced a 28% year-over-year decline in originations to $437 million, impacted by tightened credit posture. Total revenue remained nearly the same due to higher portfolio yield and non-interest income. However, net revenue fell by 50% to $72 million, primarily due to unfavorable fair value adjustments and increased interest expenses of $52 million, marking a $16 million rise from the previous year. Operating expenses were cut by 15% to $129 million, showing efficiency gains and cost reductions. Despite these challenges, the company recorded a resilient operating cash flow of $106 million, an increase of 20% year-over-year. They anticipate Q1 revenue between $233-$238 million with an adjusted EBITDA of -$14 to -$12 million, and a full-year revenue guidance of $975 million to $1 billion with an adjusted EBITDA between $60 and $70 million.

Financials

Balance Sheet Decomposition
Oportun Financial Corp

Current Assets 106.9m
Cash & Short-Term Investments 91.2m
Other Current Assets 15.8m
Non-Current Assets 3.3B
PP&E 28.1m
Intangibles 114.7m
Other Non-Current Assets 3.2B
Current Liabilities 89.4m
Accounts Payable 5.3m
Accrued Liabilities 76.9m
Other Current Liabilities 7.1m
Non-Current Liabilities 2.9B
Long-Term Debt 2.9B
Other Non-Current Liabilities 7.9m
Efficiency

Earnings Waterfall
Oportun Financial Corp

Revenue
280.7m USD
Operating Expenses
-534.3m USD
Operating Income
-253.7m USD
Other Expenses
73.7m USD
Net Income
-180m USD

Free Cash Flow Analysis
Oportun Financial Corp

Last Value
3-Years Average
FCF Margin
Conversion Rate
History
Components
Chart
Table
What is Free Cash Flow?
Fundamental Scores

OPRT Profitability Score
Profitability Due Diligence

Oportun Financial Corp's profitability score is 32/100. The higher the profitability score, the more profitable the company is.

Positive Free Cash Flow
Declining ROIC
Negative 3-Years Revenue Growth
Negative ROIC
32/100
Profitability
Score

Oportun Financial Corp's profitability score is 32/100. The higher the profitability score, the more profitable the company is.

OPRT Solvency Score
Solvency Due Diligence

Oportun Financial Corp's solvency score is 16/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Long-Term Solvency
Positive Net Debt
High D/E
16/100
Solvency
Score

Oportun Financial Corp's solvency score is 16/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

OPRT Price Targets Summary
Oportun Financial Corp

Wall Street analysts forecast OPRT stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for OPRT is 7.4 USD with a low forecast of 4.55 USD and a high forecast of 9.45 USD.

Lowest
Price Target
4.55 USD
88% Upside
Average
Price Target
7.4 USD
206% Upside
Highest
Price Target
9.45 USD
290% Upside
View Analyst Estimates
View Analyst Estimates

Competitive Landscape

Ownership

OPRT Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
Why is insider trading important?

Shareholder Return

OPRT Price
Oportun Financial Corp

1M 1M
-35%
6M 6M
-66%
1Y 1Y
-38%
3Y 3Y
-88%
5Y 5Y
-85%
10Y 10Y
-85%
Annual Price Range
2.42
52w Low
2.15
52w High
7.61
Price Metrics
Average Annual Return -9.21%
Standard Deviation of Annual Returns 50.5%
Max Drawdown -92%
Shares Statistics
Market Capitalization 93.1m USD
Shares Outstanding 38 485 406
Percentage of Shares Shorted 0.59%

OPRT Return Decomposition
Main factors of price return

What is price return decomposition?

Company Profile

Oportun Financial Corp Logo
Oportun Financial Corp

Country

United States of America

Industry

Financial Services

Market Cap

93.1m USD

Dividend Yield

0%

Description

Oportun Financial Corp. is a holding company, which engages in the provision of financial services for customers with credit invisibles. The company is headquartered in San Carlos, California and currently employs 2,729 full-time employees. The company went IPO on 2019-09-26. The firm leverage its digital platform to provide consumer credit to people. The company uses artificial intelligence (AI) models to provide its customers with alternatives to payday and auto title loans. The firm offers personal loans, credit cards and auto loans. Its personal loan consists of amortizing personal installment loan with fixed payments throughout the life of the loan. The company offers Oportun Visa Credit Card product in over 33 states. The Company’s digital platform enables end-to-end process management, from loan application through disbursement, to servicing and collections, allowing its customers to interact with and move between online, over-the-phone, and in person experiences. The company enables its customers to complete a loan application online through a mobile phone, tablet, or computer.

Contact

CALIFORNIA
San Carlos
2 Circle Star Way
+16508108823.0

IPO

2019-09-26

Employees

2 729

Officers

President, CEO & Director
Mr. Raul Vazquez
CFO & Chief Administrative Officer
Mr. Jonathan Aaron Coblentz
Chief Credit Officer
Mr. Patrick Kirscht
COO & GM of Personal & Auto Loans
Mr. Matthew Wayne Jenkins
Senior VP of Investor Relations
Mr. Dorian Hare
Chief Legal Officer
Ms. Kathleen I. Layton
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Chief Marketing Officer
Mr. Gonzalo Palacio
Chief People Officer
Ms. Stacy Newton
Senior Vice President of Public Affairs & Impact
Mr. Ezra C. Garrett
Chief Product Officer
Mr. Irfan Ganchi
Show Less

See Also

Discover More
What is the Intrinsic Value of one OPRT stock?

The intrinsic value of one OPRT stock under the Base Case scenario is 23.2 USD.

Is OPRT stock undervalued or overvalued?

Compared to the current market price of 2.42 USD, Oportun Financial Corp is Undervalued by 90%.