Oportun Financial (OPRT) Fundamental Analysis: Revenue, Earnings & Valuation

7.21 / 10

Outperform

Fundamental rating is Outperform with a 7.2/10 profile. Strengths include a 41.8% gross profit margin and strong Asset‑MV positioning. Weaknesses are negative cash‑UP and a –1264% net profit margin, while cash‑MV is modest. Overall, fundamentals remain constructive.

Analysis Checks(5/10)

Gross profit margin (%)

Value41.83

Score2/3

Weight1.05%

1M Return0.37%

Current liabilities / Total liabilities (%)

Value48.71

Score2/3

Weight9.00%

1M Return2.93%

Non-current liabilities / Total liabilities (%)

Value53.45

Score1/3

Weight6.74%

1M Return2.14%

Net profit margin (%)

Value-1264.47

Score1/3

Weight4.86%

1M Return1.66%

Total profit / EBIT (%)

Value100.00

Score2/3

Weight5.43%

1M Return1.85%

Cash-UP

Value-0.10

Score1/3

Weight-18.76%

1M Return-8.26%

Operating revenue (YoY growth rate %)

Value177.16

Score1/3

Weight6.57%

1M Return2.13%

EBIT / Total operating revenue (%)

Value-1049.47

Score1/3

Weight3.61%

1M Return1.25%

Asset-MV

Value-0.55

Score3/3

Weight86.70%

1M Return15.67%

Cash-MV

Value2.58

Score2/3

Weight-5.21%

1M Return-1.78%

Is OPRT undervalued or overvalued?

OPRT scores 7.21/10 on fundamentals and holds a Discounted valuation at present. Backed by its 6.79% ROE, 3.48% net margin, 7.90 P/E ratio, 0.51 P/B ratio, and 127.69% earnings growth, these metrics solidify its Outperform investment rating.