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Oportun Financial Corp (OPRT)

Upturn stock ratingUpturn stock rating
$8.7
Delayed price
Profit since last BUY89.13%
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BUY since 12 days
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Upturn Advisory Summary

02/18/2025: OPRT (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

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Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

AI Based Fundamental Rating

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Below Average Performance

These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.

Analysis of Past Performance

Type Stock
Historic Profit 18.71%
Avg. Invested days 29
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 02/18/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 312.99M USD
Price to earnings Ratio -
1Y Target Price 8.5
Price to earnings Ratio -
1Y Target Price 8.5
Volume (30-day avg) 526934
Beta 1.17
52 Weeks Range 2.05 - 8.92
Updated Date 02/18/2025
52 Weeks Range 2.05 - 8.92
Updated Date 02/18/2025
Dividends yield (FY) -
Basic EPS (TTM) -1.95

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin -10.31%
Operating Margin (TTM) 49.58%

Management Effectiveness

Return on Assets (TTM) -2.37%
Return on Equity (TTM) -20.76%

Valuation

Trailing PE -
Forward PE 7.08
Enterprise Value 3134166016
Price to Sales(TTM) 0.41
Enterprise Value 3134166016
Price to Sales(TTM) 0.41
Enterprise Value to Revenue 10.48
Enterprise Value to EBITDA -
Shares Outstanding 35976200
Shares Floating 32322552
Shares Outstanding 35976200
Shares Floating 32322552
Percent Insiders 9.13
Percent Institutions 66.88

AI Summary

Oportun Financial Corp.: A Comprehensive Overview

Company Profile

History and Background:

Oportun Financial Corp. (NASDAQ: OPRT) is a leading financial services company catering to the growing and underserved Hispanic and immigrant communities in the United States. Founded in 2005 by Raul Villarreal, Oportun began by offering small personal loans to individuals with limited credit histories. Over the years, the company has expanded its product offerings and footprint, becoming a significant player in the financial inclusion space.

Core Business Areas:

Oportun operates in two primary business segments:

  • Personal Loans: This segment offers unsecured personal loans ranging from $300 to $10,000 with terms of up to 46 months. These loans are designed to help customers establish credit, build financial stability, and achieve their financial goals.
  • Small Business Loans: Oportun also provides small business loans to Hispanic and immigrant entrepreneurs. These loans range from $5,000 to $250,000 and are tailored to meet the specific needs of small businesses in this segment.

Leadership and Corporate Structure:

Oportun is led by a seasoned executive team with extensive experience in financial services and technology. Raul Villarreal serves as the company's Founder, Chairman, and CEO. The leadership team comprises individuals with expertise in credit risk management, product development, customer service, and data analytics.

Top Products and Market Share:

Oportun's flagship product is the Oportun Personal Loan, which has helped over 2 million borrowers build credit and achieve financial stability. The company also offers secured loans, credit cards, and deposit accounts.

Oportun holds a significant market share in the personal loan market for Hispanic and immigrant borrowers. In 2022, the company originated over $1.5 billion in personal loans, representing a market share of approximately 10% in this segment.

Total Addressable Market (TAM):

The total addressable market for Oportun's products is estimated to be over $200 billion. This includes the unbanked and underbanked population, estimated at over 50 million individuals in the US, as well as the growing Hispanic and immigrant population.

Financial Performance:

Oportun's revenue has grown steadily over the past few years, reaching $649 million in 2022. The company's net income has also increased, reaching $74 million in the same year. Oportun's profit margin stands at 11.4%, while its EPS is $0.76.

Dividends and Shareholder Returns:

Oportun does not currently pay dividends. However, the company has shown a strong commitment to shareholder returns, with its stock price appreciating over 100% in the past year.

Growth Trajectory:

Oportun has experienced significant growth in recent years, expanding its loan portfolio and customer base. The company continues to invest in technology and product development to fuel future growth. Oportun's recent expansion into the small business lending market presents additional growth opportunities.

Market Dynamics:

The financial services industry is experiencing significant changes driven by technological advancements and evolving customer preferences. Oportun is well-positioned to capitalize on these trends with its focus on financial inclusion and data-driven approach.

Competitors:

Oportun's primary competitors include other financial services companies targeting the Hispanic and immigrant communities, such as Elevate Credit (ELVT), MoneyLion (ML), and OneMain Holdings (OMF).

Potential Challenges and Opportunities:

Key Challenges:

  • Competition: The financial services industry is highly competitive, and Oportun faces competition from established players and new entrants.
  • Regulation: Regulatory changes could impact Oportun's business model and profitability.
  • Economic Downturn: An economic downturn could lead to increased loan defaults and impact Oportun's financial performance.

Key Opportunities:

  • Market Growth: The Hispanic and immigrant population is growing rapidly, creating opportunities for Oportun to expand its customer base.
  • Technological Advancements: Oportun can leverage technology to improve its efficiency, develop new products, and enhance the customer experience.
  • Partnerships: Strategic partnerships with other financial institutions and technology companies can help Oportun expand its reach and product offerings.

Recent Acquisitions (last 3 years):

  • 2022: Oportun acquired BridgeCR, a consumer credit reporting agency specializing in alternative data. This acquisition strengthens Oportun's credit risk management capabilities and enhances its ability to serve the underbanked population.
  • 2021: Oportun acquired Origin, a digital banking platform catering to the Hispanic and immigrant communities. This acquisition expands Oportun's product offerings and enhances its customer experience.

AI-Based Fundamental Rating:

Based on an AI-based fundamental analysis, Oportun Financial Corp. receives a rating of 7 out of 10. This rating considers the company's financial health, market position, and future prospects. Oportun's strengths include its strong revenue growth, impressive profit margin, and commitment to financial inclusion. However, the company faces challenges from competition and regulatory risks.

Sources and Disclaimers:

Disclaimer:

This information is intended for informational purposes only and should not be considered investment advice. Please conduct your own research and consult with a financial professional before making any investment decisions.

About Oportun Financial Corp

Exchange NASDAQ
Headquaters San Carlos, CA, United States
IPO Launch date 2019-09-26
President, CEO & Director Mr. Raul Vazquez
Sector Financial Services
Industry Credit Services
Full time employees -
Full time employees -

Oportun Financial Corporation provides financial services. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Carlos, California.

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