Oportun Financial (OPRT) Equity Ratio (2018 - 2026)

Oportun Financial (OPRT) reported Equity Ratio of 0.13 for Q1 2026, up 10.25% on a YoY basis from 0.11 in Q1 2025, and up 4.49% quarter-over-quarter from 0.12 in Q4 2025.

Oportun Financial (OPRT) Equity Ratio (2018 - 2026) Analysis & Trends

Oportun Financial has reported Equity Ratio for 9 years, with the latest figure at 0.13 in Q1 2026.

  • For the quarter ending Q1 2026, Equity Ratio rose 10.25% year-over-year to 0.13; the trailing twelve-month figure through Mar 2026 stood at 0.13 (up 10.25% YoY), and the FY2025 full-year result was 0.12, up 9.21% from the prior year.
  • Equity Ratio for Q1 2026 stood at 0.13, up from 0.12 in the prior quarter.
  • The five-year high for Equity Ratio was 0.22 in Q1 2022, with the low at 0.1 in Q3 2024.
  • Historically, Equity Ratio has averaged 0.13 across 5 years, with a median of 0.12 in 2025.
  • Annual changes were most pronounced in 2023 — Equity Ratio plunged 40.03% — and 2025, when it increased 19.58%.
  • Oportun Financial's Equity Ratio stood at 0.15 in 2022, then slipped by 21.78% to 0.12 in 2023, then decreased by 7.5% to 0.11 in 2024, then climbed by 9.21% to 0.12 in 2025, then climbed by 4.49% to 0.13 in 2026.
  • The last three Equity Ratio figures came in at 0.13 (Q1 2026), 0.12 (Q4 2025), and 0.12 (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Equity Ratio (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 0.38
2 Mastercard 437.55 Bn 427.34 Bn - 0.13
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 0.11
4 Capital One Financial 112.47 Bn 35.97 Bn - 0.16
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 0.25
6 Synchrony Financial 24.26 Bn 3.70 Bn - 0.14
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 0.29
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 0.20
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 0.08
10 Oportun Financial 225.32 Mn 94.94 Mn - 0.13

Historic Data

Download Data
DateValue
Mar 31, 2026 0.13
Dec 31, 2025 0.12
Sep 30, 2025 0.12
Jun 30, 2025 0.12
Mar 31, 2025 0.11
Dec 31, 2024 0.11
Sep 30, 2024 0.10
Jun 30, 2024 0.11
Mar 31, 2024 0.12
Dec 31, 2023 0.12
Sep 30, 2023 0.13
Jun 30, 2023 0.13
Mar 31, 2023 0.13
Dec 31, 2022 0.15
Sep 30, 2022 0.16
Jun 30, 2022 0.19
Mar 31, 2022 0.22
Dec 31, 2021 0.20
Sep 30, 2021 0.22
Jun 30, 2021 0.22