Oportun Financial
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
17.09
Price/Sales ratio
0.15
Earnings per Share (EPS)
$0.34

Historical Multiples (2015 – 2023)

2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
51.806.98-34.872.883.61-11.7312.04-2.32-0.80-1.69-4.06
Price/Sales ratio
2.221.421.090.750.501.571.070.280.130.201.04
Price/Book Value ratio
N/A1.581.641.020.451.130.940.330.350.240.79
Price/Cash Flow ratio
6.423.122.552.571.013.463.490.720.360.532.24
Price/Free Cash Flow ratio
7.723.562.802.951.154.194.170.900.390.662.67
Price/Earnings Growth ratio
N/A0.010.29-0.00-0.030.02-0.050.00-0.000.00-0.02
Dividend Yield
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%N/A100%
Operating Profit Margin
4.87%18.02%11.85%45.82%19.07%-17.33%11.84%2.77%-18.80%N/A0.86%
Pretax Profit Margin
4.87%6.45%0.63%35.91%19.07%-17.33%11.84%-11.75%-23.99%-11.75%0.86%
Net Profit Margin
4.30%20.44%-3.14%26.05%13.92%-13.45%8.93%-12.14%-17.02%-12.13%0.23%
Effective Tax Rate
11.80%-216.75%593.28%27.45%27.01%22.37%24.52%-3.32%29.05%-3.26%24.69%
Return on Assets
N/A5.30%-0.84%7.09%2.79%-2.24%1.60%-2.15%-5.27%-2.15%0.27%
Return On Equity
N/A22.74%-4.70%35.60%12.60%-9.67%7.85%-14.20%-44.49%-12.98%1.46%
Return on Capital Employed
N/A4.73%3.65%13.20%3.96%-3.30%2.47%0.49%-6.61%N/A0.32%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/A0.130.09N/AN/AN/AN/A0.11
Quick Ratio
N/A7.211.123.083.881.400.96-115.310.85N/A2.64
Cash ratio
N/A3.420.290.731.020.540.32-28.570.22N/A0.78
Days of Sales Outstanding
N/AN/AN/AN/A14.1916.7714.386.333.0322.8118.50
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
N/A0.730.760.700.700.720.860.890.850.840.70
Debt Equity Ratio
N/A3.164.303.533.163.134.225.927.225.593.35
Long-term Debt to Capitalization
N/A0.760.780.770.760.720.780.840.860.820.76
Total Debt to Capitalization
N/A0.760.810.770.760.750.800.850.870.840.76
Interest Coverage Ratio
N/AN/AN/AN/AN/A3.26N/AN/AN/AN/A1.63
Cash Flow to Debt Ratio
N/A0.160.140.110.140.100.060.070.130.080.12
Company Equity Multiplier
N/A4.285.605.024.504.304.886.598.436.594.76
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.340.450.420.290.490.450.300.380.370.380.47
Free Cash Flow / Operating Cash Flow Ratio
0.830.870.910.870.880.820.830.800.920.800.85
Cash Flow Coverage Ratio
N/A0.160.140.110.140.100.060.070.130.080.12
Short Term Coverage Ratio
N/AN/A0.90N/AN/A0.620.410.781.090.780.39
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A