SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Oportun Financial Corporation (OPRT) trades at a trailing P/E of 9.0, forward P/E of 3.5. Trailing earnings yield is 11.07%, forward earnings yield 28.74%. PEG 0.02 (Peter Lynch undervalued ≤1.0). Graham Number is $9.77.
Criteria proven by this page:
- VALUE (100/100, Pass) — P/E is below market average (9.0); PEG ≤ 1.0 — Peter Lynch undervalued (0.02); analyst target implies upside (+104.1%); earnings yield beats bond yields (11.07%).
- Forward P/E 3.5 (down from trailing 9.0) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.02 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 11.07% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 28.74% as earnings recover.
- Analyst consensus target $10.88 (+104.1% upside) — significant upside potential according to Wall Street analysts.
Overall SharesGrow Score: 51/100 with 2/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
100/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — OPRT
Valuation Multiples
P/E (TTM)9.0
Forward P/E3.5
PEG Ratio0.02
Forward PEG0.02
P/B Ratio0.58
P/S Ratio0.33
EV/EBITDA34.1
Per Share Data
EPS (TTM)$0.52
Forward EPS (Est.)$1.53
Book Value / Share$8.10
Revenue / Share$13.23
FCF / Share$8.33
Yields & Fair Value
Earnings Yield11.07%
Forward Earnings Yield28.74%
Dividend Yield0.00%
Graham Number$9.77
SharesGrow IV$-20.19 (-478.8%)
Analyst Target$10.88 (+104.1%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
7.0 |
0.01 |
1.59 |
1.28 |
- |
| 2017 |
-34.9 |
0.29 |
1.64 |
0.99 |
- |
| 2018 |
2.9 |
0.00 |
1.03 |
0.68 |
- |
| 2019 |
3.6 |
-0.04 |
0.46 |
0.44 |
- |
| 2020 |
-11.7 |
0.03 |
1.13 |
1.35 |
- |
| 2021 |
12.0 |
-0.06 |
0.95 |
0.99 |
- |
| 2022 |
-2.3 |
0.01 |
0.33 |
0.25 |
- |
| 2023 |
-0.8 |
-0.01 |
0.36 |
0.31 |
- |
| 2024 |
-2.0 |
0.03 |
0.44 |
0.29 |
- |
| 2025 |
10.0 |
-0.08 |
0.65 |
0.40 |
- |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$2.20 |
$248.75M |
$50.86M |
20.4% |
| 2017 |
$-0.46 |
$324.56M |
$-10.21M |
-3.1% |
| 2018 |
$5.59 |
$473.56M |
$123.39M |
26.1% |
| 2019 |
$0.40 |
$442.4M |
$61.6M |
13.9% |
| 2020 |
$-1.65 |
$335.1M |
$-45.1M |
-13.5% |
| 2021 |
$1.56 |
$530.4M |
$47.41M |
8.9% |
| 2022 |
$-2.37 |
$640.7M |
$-77.8M |
-12.1% |
| 2023 |
$-4.88 |
$1.06B |
$-179.95M |
-17% |
| 2024 |
$-1.95 |
$1B |
$-78.68M |
-7.9% |
| 2025 |
$0.53 |
$637.34M |
$25.2M |
4% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$1.55 |
$1.26 – $1.68 |
$944.06M |
$937.78M – $948.09M |
5 |
| 2027 |
$1.91 |
$1.66 – $2.32 |
$985.89M |
$974.68M – $1B |
5 |
| 2028 |
$2.35 |
$2.30 – $2.39 |
$1.07B |
$1.05B – $1.08B |
1 |
