Oportun Financial Corporation (OPRT) is a Financial - Credit Services company in the Financial Services sector, currently trading at $5.33. It has a SharesGrow Score of 51/100, indicating a mixed investment profile with 2 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of OPRT = $-20.19 (-478.8% from the current price, the stock appears overvalued). Analyst consensus target is OPRT = $11 (+104.1% upside).
Valuation: OPRT trades at a trailing Price-to-Earnings (P/E) of 9 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.43.
Financials: revenue is $637M, +7.8%/yr average growth. Net income is $25M, growing at +19%/yr. Net profit margin is 4% (thin). Gross margin is 63.7% (-36.3 pp trend).
Balance sheet: total debt is $2.8B against $390M equity (Debt-to-Equity (D/E) ratio 7.21, leveraged). Current ratio is 9.17 (strong liquidity). Debt-to-assets is 86.3%. Total assets: $3.3B.
Analyst outlook: 3 / 8 analysts rate OPRT as buy (38%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 73/100 (Pass), Past 25/100 (Fail), Health 33/100 (Fail), Moat 43/100 (Fail), Future 52/100 (Partial), Income 30/100 (Fail).
