Oportun Financial (OPRT) Asset Utilization Ratio (2019 - 2026)

Oportun Financial's (OPRT) quarterly Asset Utilization Ratio came in at 0.16 in Q1 2026, up 89.25% YoY from 0.09 in Q1 2025, and down 1.05% on a QoQ basis from 0.17 in Q4 2025.

Oportun Financial (OPRT) Asset Utilization Ratio (2019 - 2026) Analysis & Trends

Oportun Financial (OPRT) has 8 years of Asset Utilization Ratio data on file, last reported at 0.16 in Q1 2026.

  • Quarterly Asset Utilization Ratio rose 89.25% year-over-year to 0.16 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 0.16 (up 89.25% YoY) and the FY2025 annual result came in at 0.13, up 40.74% from the prior year.
  • Asset Utilization Ratio slipped to 0.16 in Q1 2026, from 0.17 in the prior quarter.
  • In the past five years, Asset Utilization Ratio ranged from a high of 0.31 in Q3 2024 to a low of 0.0 in Q3 2025.
  • A 5-year average of 0.2 and a median of 0.23 in 2022 frame the typical range for Asset Utilization Ratio.
  • Annual changes were most pronounced in 2025 — Asset Utilization Ratio sank 101.02% — and 2026, when it surged 89.25%.
  • Tracing OPRT's Asset Utilization Ratio over 5 years: stood at 0.24 in 2022, then advanced by 5.96% to 0.26 in 2023, then sank by 64.32% to 0.09 in 2024, then surged by 82.51% to 0.17 in 2025, then fell by 1.05% to 0.16 in 2026.
  • The last three Asset Utilization Ratio figures came in at 0.16 (Q1 2026), 0.17 (Q4 2025), and 0.0 (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Asset Util. (Qtr)
1 Visa 618.21 Bn 605.85 Bn - 0.47
2 Mastercard 506.53 Bn 493.04 Bn - 0.64
3 American Express 232.32 Bn 183.00 Bn 17.99 Bn 0.25
4 Capital One Financial 136.19 Bn 81.48 Bn - 0.08
5 PayPal Holdings 52.34 Bn 41.08 Bn - 0.42
6 Eason Technology 35.89 Bn 35.89 Bn - -
7 Synchrony Financial 26.09 Bn 9.90 Bn - 0.16
8 Affirm Holdings 25.93 Bn 24.20 Bn - 0.16
9 SoFi Technologies 23.04 Bn 22.68 Bn -41.62 Mn 0.08
10 Oportun Financial 382.81 Mn 303.34 Mn - 0.16

Historic Data

Download Data
DateValue
Mar 31, 2026 0.16
Dec 31, 2025 0.17
Sep 30, 2025 0.00
Jun 30, 2025 0.04
Mar 31, 2025 0.09
Dec 31, 2024 0.09
Sep 30, 2024 0.31
Jun 30, 2024 0.26
Mar 31, 2024 0.26
Dec 31, 2023 0.26
Sep 30, 2023 0.25
Jun 30, 2023 0.30
Mar 31, 2023 0.26
Dec 31, 2022 0.24
Sep 30, 2022 0.23
Jun 30, 2022 0.22
Mar 31, 2022 0.23
Dec 31, 2021 0.23
Sep 30, 2021 0.23
Jun 30, 2021 0.22