undamentalytics Newsletter
Sign in

Oportun Financial Corp key statistics and ratios

In fiscal 2025, Oportun Financial Corp had return on equity of 6.8%, a net margin of 2.6% and debt equal to 68.8% of equity. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin−2.8%24.8%10.3%−7.7%7.6%−8.2%−17.0%−7.9%2.6%2.1%
Free-cash-flow margin36.2%24.9%34.9%25.4%24.1%25.4%37.2%39.3%43.2%44.4%
Return on equity−4.7%43.8%14.7%−9.4%8.9%−13.5%−37.8%−20.8%6.8%4.9%
Return on assets—7.1%3.1%−2.1%1.9%−2.4%−5.1%−2.4%0.8%0.6%
Asset turnover—0.290.300.280.250.290.300.300.290.30
Debt to equity0.0%249.1%227.8%247.4%274.0%471.5%463.5%311.8%68.8%34.3%
Effective tax rate—27.5%27.0%—24.5%———42.7%51.3%
SG&A as % of revenue4.7%2.2%2.6%3.5%6.0%6.2%6.8%5.3%3.6%3.1%
Capital spending as % of revenue2.4%2.9%1.5%0.8%2.0%0.6%0.0%0.0%0.0%0.0%
Free cash flow ÷ net income—100.3%340.1%—318.8%———>999%>999%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

32 /100

Weak moat

How hard Oportun Financial's competitive advantage looks for rivals to wear away, judged from 8 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 0 / 20

    Net income has been a median -0.1% of total assets over 7 years.

  • Durability 0 / 20

    Net margin has been a median 0.8%; its worst year was -22.3%.

  • Cash conversion 20 / 20

    Free cash flow was positive in 7 of 7 years, at a median 32.8% of revenue.

  • Discipline 10 / 20

    The diluted share count rose 69.4% over five years; stock-based pay has been a median 1.9% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (38 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: JFIN vs OPRTHAPN vs OPRTOPRT vs XYF

More: Consumer Finance stocks compared, Financials sector, rankings of US companies

Figures from Oportun Financial Corp's SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Oportun Financial Corp.