Oportun Financial Corp - Understand $oprt stock

$OPRT Market Cap: $144.2 Million

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Financial Snapshot

Revenue

$822.9M

TTM

Gross Margin

Net Earnings

-$129.2M

TTM

Current Assets

$83.81M

Q3 2024

Current Liabilities

$74.92M

Q3 2024

Current Ratio

111.86%

Q3 2024

Total Assets

$3.251B

Q3 2024

Total Liabilities

$2.924B

Q3 2024

Book Value

$327.6M

Q3 2024

Cash

$71.84M

Q3 2024

P/E

-1.116

Nov 29, 2024 EST

Free Cash Flow

$388.4M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017
Revenue	$1.057B	$952.5M	$626.8M	$583.7M	$600.1M	$497.6M	$361.0M
YoY Change	10.96%	51.97%	7.37%	-2.73%	20.61%	37.85%	45.08%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017
Revenue	$1.057B	$952.5M	$626.8M	$583.7M	$600.1M	$497.6M	$361.0M
Cost Of Revenue		$67.63M	$57.93M
Gross Profit		$791.9M	$521.2M
Gross Profit Margin		83.13%	83.15%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017
Selling, General & Admin	$72.39M	$58.84M	$37.48M	$20.47M	$15.39M	$10.83M	$16.86M
YoY Change	23.02%	56.99%	83.09%	33.0%	42.15%	-35.77%	-89.61%
% of Gross Profit		7.43%	7.19%
Research & Development		$34.20M	$16.90M
YoY Change		102.37%
% of Gross Profit		4.32%	3.24%
Depreciation & Amortization	$4.300M	$5.200M	$9.400M	$9.400M	$8.800M	$8.300M	$7.500M
YoY Change	-17.31%	-44.68%	0.0%	6.82%	6.02%	10.67%	-10.71%
% of Gross Profit		0.66%	1.8%
Operating Expenses	$534.3M	$58.84M	$37.48M	$20.47M	$15.39M	$10.83M	$16.86M
YoY Change	808.12%	56.99%	83.09%	33.0%	42.15%	-35.77%	-92.76%
Operating Profit		$733.0M	$483.7M
YoY Change		51.55%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2022	2021
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net	-$84.84M	$43.98M
YoY Change	-292.91%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017
Pretax Income	-$253.7M	-$75.29M	$62.79M	-$58.09M	$82.61M	$168.9M	$2.162M
YoY Change	236.92%	-219.9%	-208.09%	-170.32%	-51.09%	7712.53%	-86.57%
Income Tax	-$73.70M	$2.458M	$15.38M	-$13.01M	$22.83M	$46.70M	$12.28M
% Of Pretax Income			24.49%		27.64%	27.65%	567.76%
Net Earnings	-$180.0M	-$77.74M	$47.41M	-$45.08M	$61.60M	$123.4M	-$10.21M
YoY Change	131.47%	-263.97%	-205.17%	-173.19%	-50.08%	-1309.03%	-120.05%
Net Earnings / Revenue	-17.03%	-8.16%	7.56%	-7.72%	10.26%	24.8%	-2.83%
Basic Earnings Per Share	-$4.88	-$2.37	$1.68	-$1.65	$0.46	$6.42	-$4.22
Diluted Earnings Per Share	-$4.88	-$2.37	$1.56	-$1.65	$0.40	$4.47	-$4.22

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017
Cash & Short-Term Investments	$91.19M	$98.82M	$131.0M	$136.2M	$72.20M	$70.50M	$48.30M
YoY Change	-7.72%	-24.54%	-3.85%	88.64%	2.41%	45.96%
Cash & Equivalents	$91.19M	$98.82M	$131.0M	$136.2M	$72.20M	$70.50M	$48.30M
Short-Term Investments
Other Short-Term Assets	$15.76M	$129.2M	$25.36M	$17.20M	$12.20M	$9.200M	$7.200M
YoY Change	-87.81%	409.64%	47.41%	40.98%	32.61%	27.78%
Inventory
Prepaid Expenses
Receivables		$3.144B	$2.387B
Other Receivables		$40.04M	$34.24M
Total Short-Term Assets	$106.9M	$3.412B	$177.2M	$168.8M	$108.2M	$98.60M	$68.20M
YoY Change	-96.87%	1825.03%	4.99%	56.01%	9.74%	44.57%
Property, Plant & Equipment	$28.10M	$40.97M	$48.32M	$62.70M	$73.30M	$23.20M	$17.20M
YoY Change	-31.42%	-15.21%	-22.94%	-14.46%	215.95%	34.88%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$163.0M	$19.40M	$65.92M	$34.10M	$65.50M	$63.00M	$75.00M
YoY Change	739.96%	-70.57%	93.33%	-47.94%	3.97%	-16.0%
Total Long-Term Assets	$3.305B	$202.0M	$2.769B	$1.840B	$2.094B	$1.641B	$1.147B
YoY Change	1536.35%	-92.71%	50.49%	-12.1%	27.56%	43.12%
Total Assets	$3.412B	$3.614B	$2.947B	$2.009B	$2.202B	$1.740B	$1.215B
YoY Change
Accounts Payable	$5.288M	$9.670M	$8.343M	$1.800M	$5.900M	$7.300M	$5.800M
YoY Change	-45.32%	15.91%	363.5%	-69.49%	-19.18%	25.86%
Accrued Expenses	$76.94M	$47.14M	$123.9M	$103.6M	$94.50M	$29.00M	$32.70M
YoY Change	63.22%	-61.94%	19.55%	9.63%	225.86%	-11.31%
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Long-Term Debt Due		$90.45M	$14.04M
YoY Change		544.23%
Total Short-Term Liabilities	$89.37M	$156.8M	$154.6M	$118.4M	$138.0M	$65.90M	$61.70M
YoY Change	-43.02%	1.42%	30.6%	-14.2%	109.41%	6.81%
Long-Term Debt	$2.910B	$2.852B	$2.160B	$1.414B	$1.549B	$1.310B	$934.0M
YoY Change	2.06%	32.04%	52.77%	-8.75%	18.23%	40.29%
Other Long-Term Liabilities	$7.946M	-$114.8M	$47.72M		$1.000M	$3.400M	$2.600M
YoY Change	-106.92%	-340.61%			-70.59%	30.77%
Total Long-Term Liabilities	$2.918B	$2.737B	$2.160B	$1.414B	$1.550B	$1.314B	$936.6M
YoY Change	6.63%	26.72%	52.77%	-8.81%	18.0%	40.26%
Total Liabilities	$3.007B	$3.066B	$2.343B	$1.543B	$1.713B	$1.393B	$998.3M
YoY Change	-1.91%	30.88%	51.86%	-9.95%	22.94%	39.58%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017
Basic Shares Outstanding	36.88M shares	32.83M shares	28.19M shares	27.33M shares	9.347M shares	2.585M shares	2.420M shares
Diluted Shares Outstanding	36.88M shares	32.83M shares	30.32M shares	27.33M shares	10.76M shares	3.715M shares	2.420M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $144.24 Million

About Oportun Financial Corp

Oportun Financial Corp. operates as a digital banking platform. The company is headquartered in San Carlos, California and currently employs 1,556 full-time employees. The company went IPO on 2019-09-26. The firm offers access to a comprehensive suite of financial products, offered either directly or through partners, including lending and savings powered by artificial intelligence. Its financial products allow it to meet its members where they are and assist them with their overall financial health. The Company’s three core products include unsecured personal loans, secured personal loans, and its Set & Save savings product. Its secured personal loans allow its members to access larger loan sizes than they can with an unsecured loan. Its consumers are able to become members and access its products through the Oportun Mobile App and the Oportun.com Website, which are its primary channels for onboarding and serving members. The Company’s personal loan products are also available over the phone or through its retail locations, and its lending as a service partner location.

Industry: Finance Services Peers: AMERICAN EXPRESS CO CONSUMER PORTFOLIO SERVICES, INC. CURO Group Holdings Corp. Elevate Credit, Inc. OppFi Inc. Katapult Holdings, Inc. MONEYLION INC. MEDALLION FINANCIAL CORP OLD MARKET CAPITAL Corp