Oportun Financial reported a net margin of 3.66% for the quarter ended Jun 2026. These financial ratios cover 32 quarters of results from Sep 2018 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Sep2018 | Dec2018 | Mar2019 | Jun2019 | Sep2019 | Dec2019 | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||||||||||||||||||
| EBT Margin | 17.68% | 10.76% | 26.86% | -5.61% | -44.93% | -3.02% | -54.54% | -6.55% | -13.93% | -21.81% | -12.17% | -19.63% | -15.79% | 1.56% | 5.58% | 4.31% | 5.97% | 2.65% | 1.56% | 6.70% | ||||||||||||
| EBIT Margin | 17.68% | 10.76% | 26.86% | -5.61% | -44.93% | -3.02% | -54.54% | -6.55% | -13.93% | -21.81% | -12.17% | -19.63% | -15.79% | 1.56% | 5.58% | 4.31% | 5.97% | 2.65% | 1.56% | 6.70% | ||||||||||||
| EBITDA Margin | 17.68% | 10.76% | 26.86% | -5.61% | -44.93% | -3.02% | -54.54% | -6.55% | -13.93% | -21.81% | -12.17% | -19.63% | -15.79% | 1.56% | 5.58% | 4.31% | 5.97% | 2.65% | 1.56% | 6.70% | ||||||||||||
| Net Margin | 14.44% | 7.30% | 21.27% | -4.06% | -42.32% | -3.22% | -39.34% | -5.59% | -7.88% | -15.93% | -10.56% | -12.39% | -11.98% | 3.48% | 4.14% | 2.93% | 2.18% | 1.37% | 1.03% | 3.66% | ||||||||||||
| FCF Margin | 27.35% | 26.66% | 13.00% | 17.78% | 21.78% | 29.19% | 25.07% | 35.85% | 37.52% | 38.16% | 33.05% | 40.92% | 41.48% | 34.03% | 40.44% | 41.86% | 38.93% | 41.44% | 42.50% | 44.19% | ||||||||||||
| Efficiency | ||||||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 2,284.68M | 2,647.25M | 2,969.59M | 3,171.29M | 3,445.01M | 3,576.84M | 3,557.88M | 3,487.05M | 3,450.99M | 3,420.91M | 3,344.69M | 3,263.93M | 3,250.83M | 3,239.20M | 3,226.70M | 3,213.70M | 3,193.63M | 3,222.02M | 3,212.70M | 3,148.43M | ||||||||||||
| Invested CapitalInvested Cap. | 1,666.00M | 2,258.29M | 2,304.35M | 2,691.36M | 2,957.47M | 3,129.62M | 2,901.80M | 2,710.02M | 2,517.61M | 2,278.81M | 2,151.10M | 2,002.57M | 1,745.04M | 1,456.81M | 1,244.38M | 1,004.95M | 743.14M | 658.37M | 593.68M | 546.94M | ||||||||||||
| Asset Utilization RatioAsset Util. | 0.25 | 0.24 | 0.24 | 0.25 | 0.26 | 0.27 | 0.28 | 0.30 | 0.31 | 0.31 | 0.31 | 0.32 | 0.31 | 0.31 | 0.31 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 | ||||||||||||
| Leverage & Solvency | ||||||||||||||||||||||||||||||||
| Debt Ratio | 0.49 | 0.56 | 0.55 | 0.61 | 0.68 | 0.71 | 0.70 | 0.65 | 0.61 | 0.55 | 0.54 | 0.51 | 0.44 | 0.34 | 0.27 | 0.20 | 0.11 | 0.08 | 0.06 | 0.04 | ||||||||||||
| Valuation | ||||||||||||||||||||||||||||||||
| Price to EarningsP/E | 30.92 | 45.75 | 10.32 | -29.71 | -1.37 | -21.82 | -1.28 | -13.63 | -11.69 | -3.22 | -3.27 | -3.34 | -3.37 | 16.04 | 21.08 | 45.82 | 52.34 | 69.06 | 89.65 | 30.74 | ||||||||||||
| Price to SalesP/S | 4.47 | 3.34 | 2.19 | 1.20 | 0.58 | 0.70 | 0.50 | 0.76 | 0.92 | 0.51 | 0.35 | 0.41 | 0.40 | 0.56 | 0.87 | 1.34 | 1.14 | 0.95 | 0.92 | 1.12 | ||||||||||||
| Price to BookP/B | 1.39 | 1.07 | 0.72 | 0.42 | 0.26 | 0.34 | 0.29 | 0.44 | 0.56 | 0.33 | 0.23 | 0.29 | 0.31 | 0.40 | 0.56 | 0.84 | 0.71 | 0.60 | 0.53 | 0.64 | ||||||||||||
| Enterprise Value | 542.07M | 517.13M | 361.24M | 204.94M | -30.82M | 78.78M | 2.95M | 74.18M | 129.38M | 19.95M | -40.87M | -60.17M | -55.62M | -14.54M | 53.45M | 183.70M | 152.70M | 129.55M | 79.84M | 122.78M | ||||||||||||
| EV to EBIT | 19.28 | 24.75 | 6.26 | -16.17 | 0.27 | -9.95 | -0.02 | -4.25 | -3.46 | -0.35 | 1.34 | 1.22 | 1.41 | -3.72 | 4.06 | 18.17 | 10.72 | 19.73 | 22.42 | 7.86 | ||||||||||||
| EV to EBITDA | 19.28 | 24.75 | 6.26 | -16.17 | 0.27 | -9.95 | -0.02 | -4.25 | -3.46 | -0.35 | 1.34 | 1.22 | 1.41 | -3.72 | 4.06 | 18.17 | 10.72 | 19.73 | 22.42 | 7.86 | ||||||||||||
| Market Capitalization | 710.47M | 648.09M | 471.11M | 272.08M | 145.03M | 183.78M | 130.79M | 203.14M | 247.14M | 134.77M | 86.48M | 103.60M | 101.08M | 140.11M | 205.88M | 315.11M | 272.05M | 235.07M | 210.23M | 262.37M | ||||||||||||
| Price to FCFP/FCF | 16.33 | 12.52 | 16.87 | 6.78 | 2.66 | 2.40 | 2.01 | 2.13 | 2.46 | 1.34 | 1.04 | 1.01 | 0.97 | 1.64 | 2.16 | 3.21 | 2.93 | 2.29 | 2.16 | 2.55 | ||||||||||||
| EV to FCF | 12.46 | 9.99 | 12.94 | 5.11 | -0.57 | 1.03 | 0.05 | 0.78 | 1.29 | 0.20 | -0.49 | -0.59 | -0.54 | -0.17 | 0.56 | 1.87 | 1.64 | 1.26 | 0.82 | 1.19 | ||||||||||||
| EV to CFO | 10.87 | 8.66 | 9.37 | 3.86 | -0.46 | 0.89 | 0.04 | 0.72 | 1.21 | 0.19 | -0.48 | -0.56 | -0.51 | -0.16 | 0.53 | 1.76 | 1.54 | 1.19 | 0.77 | 1.12 | ||||||||||||
| Return Ratios | ||||||||||||||||||||||||||||||||
| Return on Sales [ROS]ROS | 17.68% | 10.76% | 26.86% | -5.61% | -44.93% | -3.02% | -54.54% | -6.55% | -13.93% | -21.81% | -12.17% | -19.63% | -15.79% | 1.56% | 5.58% | 4.31% | 5.97% | 2.65% | 1.56% | 6.70% | ||||||||||||
| Return on Invested Capital [ROIC]ROIC | 2.22% | 2.41% | 3.95% | 2.95% | -1.95% | -2.55% | -7.48% | -8.24% | -5.61% | -7.50% | -4.71% | -5.80% | -6.90% | -4.92% | -3.15% | -0.41% | 3.49% | 3.61% | 2.85% | 3.42% | ||||||||||||
| Return on Assets [ROA]ROA | 1.82% | 1.79% | 3.03% | 2.32% | -1.60% | -2.17% | -6.34% | -6.63% | -4.25% | -5.26% | -3.12% | -3.69% | -3.98% | -2.43% | -1.32% | -0.14% | 0.96% | 0.78% | 0.56% | 0.62% |