Oportun Financial Corp
NASDAQ:OPRT
Intrinsic Value
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%.
Valuation Backtest
Oportun Financial Corp
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Fundamental Analysis
Company Strives Amidst Financial Adjustments
2023-Q4 Earnings Call
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.
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 |
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
What is Free Cash Flow?
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.
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.
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
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.
Ownership
OPRT Insider Trading
Buy and sell transactions by insiders
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Shareholder Return
OPRT Price
Oportun Financial Corp
Average Annual Return | -9.21% |
Standard Deviation of Annual Returns | 50.5% |
Max Drawdown | -92% |
Market Capitalization | 93.1m USD |
Shares Outstanding | 38 485 406 |
Percentage of Shares Shorted | 0.59% |
Company Profile
Country
Industry
Market Cap
Dividend Yield
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
IPO
Employees
Officers
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%.