Oportun Financial reported a net margin of 9.31% for the quarter ended Sep 2026. These financial ratios cover 33 quarters of results from Sep 2018 through Sep 2026, standardized by Business Quant from the company’s SEC filings.
| RatiosRatios | 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 | Sep2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||||||||||||||||||||||||||
| EBT Margin | 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% | 14.04% | |||||||||||||
| EBIT Margin | 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% | 14.04% | |||||||||||||
| EBITDA Margin | 10.74% | 29.66% | -3.41% | -42.56% | -1.59% | -51.21% | -5.98% | -9.62% | -18.09% | -7.54% | -17.85% | -11.39% | -1.91% | 5.25% | 5.00% | 6.71% | 3.13% | 5.38% | 7.44% | 11.84% | |||||||||||||
| Net Margin | 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% | 9.31% | |||||||||||||
| FCF Margin | 25.75% | 17.96% | 23.51% | 27.07% | 33.80% | 29.60% | 38.47% | 39.93% | 40.48% | 34.29% | 43.02% | 43.40% | 36.44% | 42.80% | 44.60% | 41.49% | 43.94% | 45.34% | 46.87% | 48.28% | |||||||||||||
| Efficiency | |||||||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 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 | 3,171.55M | |||||||||||||
| Equity AverageEquity Avg. | 557.74M | 626.91M | 649.07M | 598.66M | 548.36M | 501.87M | 457.27M | 449.88M | 422.88M | 393.19M | 368.04M | 340.84M | 340.68M | 359.95M | 371.04M | 379.92M | 386.97M | 393.18M | 401.71M | 420.29M | |||||||||||||
| Invested CapitalInvested Cap. | 2,652.18M | 2,777.66M | 3,197.08M | 3,322.62M | 3,447.19M | 3,305.03M | 3,196.47M | 2,940.78M | 2,568.76M | 2,223.21M | 2,159.01M | 1,870.43M | 1,992.28M | 1,689.88M | 1,336.03M | 905.09M | 857.76M | 806.15M | 851.10M | 977.91M | |||||||||||||
| Asset Utilization RatioAsset Util. | 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 | 0.30 | |||||||||||||
| Leverage & Solvency | |||||||||||||||||||||||||||||||||
| Debt Ratio | 0.70 | 0.71 | 0.76 | 0.78 | 0.80 | 0.81 | 0.79 | 0.73 | 0.63 | 0.56 | 0.56 | 0.47 | 0.51 | 0.41 | 0.30 | 0.16 | 0.14 | 0.13 | 0.14 | 0.17 | |||||||||||||
| Valuation | |||||||||||||||||||||||||||||||||
| Price to EarningsP/E | 13.67 | 5.23 | 3.69 | 8.90 | 9.31 | 11.79 | 13.47 | 10.08 | |||||||||||||||||||||||||
| Price to SalesP/S | 1.03 | 0.67 | 0.34 | 0.16 | 0.19 | 0.13 | 0.20 | 0.23 | 0.13 | 0.08 | 0.10 | 0.10 | 0.14 | 0.21 | 0.32 | 0.28 | 0.25 | 0.22 | 0.28 | 0.39 | |||||||||||||
| Price to BookP/B | 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 | 0.87 | |||||||||||||
| Enterprise Value | 517.13M | 361.24M | 205.37M | -30.82M | 84.97M | 56.72M | 129.77M | 165.26M | 43.59M | 17.28M | 30.72M | 29.24M | 80.15M | 127.34M | 218.29M | 167.44M | 129.55M | 79.84M | 122.78M | 193.92M | |||||||||||||
| EV to EBIT | 8.24 | 3.10 | 2.18 | 4.04 | 2.94 | 2.32 | 3.07 | 3.21 | |||||||||||||||||||||||||
| EV to EBITDA | 6.98 | 2.82 | 1.90 | 4.74 | 2.70 | 1.67 | 2.30 | 2.91 | |||||||||||||||||||||||||
| Market Capitalization | 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 | 375.09M | |||||||||||||
| Price to FCFP/FCF | 4.29 | 2.73 | 1.43 | 0.69 | 0.74 | 0.46 | 0.61 | 0.66 | 0.34 | 0.22 | 0.25 | 0.25 | 0.36 | 0.50 | 0.78 | 0.69 | 0.57 | 0.51 | 0.62 | 0.85 | |||||||||||||
| EV to FCF | 3.42 | 2.09 | 1.08 | -0.15 | 0.34 | 0.20 | 0.39 | 0.44 | 0.11 | 0.04 | 0.08 | 0.07 | 0.20 | 0.31 | 0.54 | 0.42 | 0.31 | 0.19 | 0.29 | 0.44 | |||||||||||||
| EV to CFO | 3.16 | 1.96 | 1.02 | -0.14 | 0.34 | 0.20 | 0.39 | 0.44 | 0.11 | 0.04 | 0.08 | 0.07 | 0.20 | 0.31 | 0.54 | 0.42 | 0.31 | 0.19 | 0.29 | 0.44 | |||||||||||||
| Return Ratios | |||||||||||||||||||||||||||||||||
| Return on Sales [ROS]ROS | 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% | 14.04% | |||||||||||||
| Return on Invested Capital [ROIC]ROIC | 1.96% | 3.32% | 2.47% | -1.43% | -2.22% | -6.68% | -7.11% | -4.77% | -6.53% | -4.35% | -5.50% | -6.41% | -4.08% | -2.31% | -0.30% | 2.73% | 2.87% | 2.15% | 2.35% | 4.07% | |||||||||||||
| Return on Assets [ROA]ROA | 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% | 1.17% | |||||||||||||
| Return on Equity [ROE]ROE | 8.49% | 14.36% | 11.35% | -9.21% | -14.18% | -44.93% | -50.56% | -32.57% | -42.55% | -26.52% | -32.72% | -37.92% | -23.10% | -11.81% | -1.24% | 8.04% | 6.53% | 4.54% | 4.85% | 8.85% |
Pull Oportun Financial's standardized financial statements into your own models, spreadsheets and apps with the Business Quant Financial Statements API. The request below follows the statement, frequency and period selected above. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/statements?ticker=OPRT&statement=Ratios&frequency=Quarter&period=all&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/statements"
params = {"ticker": "OPRT", "statement": "Ratios", "frequency": "Quarter", "period": "all", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/statements?ticker=OPRT&statement=Ratios&frequency=Quarter&period=all&api_key=YOUR_API_KEY");
const data = await res.json();