OPRT - Oportun Financial Corporation
NASDAQ
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Financial Services
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Credit Services
San Carlos,
United States
Type: Equity
OPRT price evolution
OPRT
| (in millions $) | 31 Dec 2023 | 30 Sep 2023 | 30 Jun 2023 | 31 Mar 2023 |
|---|---|---|---|---|
| Current assets | ||||
| Cash | $206.02 | $199.65 | $202.34 | $201.92 |
| Short term investments | ||||
| Net receivables | $29.02 | $30.85 | $31.75 | |
| Inventory | ||||
| Total current assets | $106.94 | $3210.59 | $3218.4 | $125.94 |
| Long term investments | ||||
| Property, plant & equipment | $21.11 | $23.19 | $26.52 | $28.71 |
| Goodwill & intangible assets | $114.73 | $127.29 | $133.01 | $137.86 |
| Total noncurrent assets | ||||
| Total investments | $2962.35 | $2940.86 | $2985.13 | $3012.73 |
| Total assets | $3411.89 | $3429.93 | $3472.04 | $3502.06 |
| Current liabilities | ||||
| Accounts payable | $5.29 | $6.48 | $11.31 | $6.99 |
| Deferred revenue | ||||
| Short long term debt | ||||
| Total current liabilities | $89.37 | $58.07 | $74.97 | $103.3 |
| Long term debt | $2910.17 | $2893.96 | $2902.4 | $2935.74 |
| Total noncurrent liabilities | ||||
| Total debt | $2938.55 | $2924.86 | $2935.47 | $2971.41 |
| Total liabilities | $3007.48 | $2988.57 | $3013.64 | $3045.91 |
| Shareholders' equity | ||||
| Retained earnings | -$173.85 | -$132.03 | -$110.89 | -$95.99 |
| Other shareholder equity | ||||
| Total shareholder equity | $404.4 | $441.36 | $458.4 | $456.15 |
| (in millions $) | 31 Dec 2023 | 31 Jan 2023 | 31 Dec 2021 | 31 Dec 2020 |
|---|---|---|---|---|
| Current assets | ||||
| Cash | $206.02 | $203.82 | $192.96 | $168.59 |
| Short term investments | ||||
| Net receivables | $31.8 | $20.92 | $15.43 | |
| Inventory | ||||
| Total current assets | $106.94 | $154.78 | $177.23 | $168.8 |
| Long term investments | ||||
| Property, plant & equipment | $21.11 | $30.45 | $38.4 | $46.82 |
| Goodwill & intangible assets | $114.73 | $139.8 | $235.19 | |
| Total noncurrent assets | ||||
| Total investments | $2962.35 | $3143.65 | $2386.81 | $1697.68 |
| Total assets | $3411.89 | $3613.7 | $2946.63 | $2009.05 |
| Current liabilities | ||||
| Accounts payable | $5.29 | $9.67 | $8.34 | $1.8 |
| Deferred revenue | ||||
| Short long term debt | ||||
| Total current liabilities | $89.37 | $104.33 | $154.63 | $118.4 |
| Long term debt | $2910.17 | $2928.12 | $2159.69 | $1420.47 |
| Total noncurrent liabilities | ||||
| Total debt | $2938.55 | $2966.07 | $2207.39 | $1463.38 |
| Total liabilities | $3007.48 | $3066.1 | $2342.74 | $1542.68 |
| Shareholders' equity | ||||
| Retained earnings | -$173.85 | $6.1 | $83.85 | $36.43 |
| Other shareholder equity | -$0.26 | |||
| Total shareholder equity | $404.4 | $547.6 | $603.88 | $466.37 |
| (in millions $) | 31 Dec 2023 | 30 Sep 2023 | 30 Jun 2023 | 31 Mar 2023 |
|---|---|---|---|---|
| Revenue | ||||
| Total revenue | $72.1 | $85.14 | $118.63 | $4.8 |
| Cost of revenue | ||||
| Gross Profit | $72.1 | $85.14 | $118.63 | $4.8 |
| Operating activities | ||||
| Research & development | ||||
| Selling, general & administrative | $63.41 | $59.36 | $71.08 | $75.66 |
| Total operating expenses | $129.38 | $122.51 | $136.1 | $146.34 |
| Operating income | -$57.28 | -$37.37 | -$17.47 | -$141.53 |
| Income from continuing operations | ||||
| EBIT | -$57.28 | -$37.37 | -$17.47 | -$141.53 |
| Income tax expense | -$15.46 | -$16.23 | -$2.57 | -$39.44 |
| Interest expense | ||||
| Net income | ||||
| Net income | -$41.82 | -$21.14 | -$14.9 | -$102.09 |
| Income (for common shares) | -$41.82 | -$21.14 | -$14.9 | -$102.09 |
| (in millions $) | 31 Dec 2023 | 31 Dec 2022 | 31 Dec 2021 | 31 Dec 2020 |
|---|---|---|---|---|
| Revenue | ||||
| Total revenue | $280.67 | $640.66 | $530.48 | $335.06 |
| Cost of revenue | ||||
| Gross Profit | $280.67 | $640.66 | $530.48 | $335.06 |
| Operating activities | ||||
| Research & development | ||||
| Selling, general & administrative | $269.51 | $323.72 | $270.19 | $216.29 |
| Total operating expenses | $534.32 | $715.94 | $467.69 | $393.15 |
| Operating income | -$253.65 | -$75.29 | $62.79 | -$58.09 |
| Income from continuing operations | ||||
| EBIT | -$253.65 | -$75.29 | $62.79 | -$58.09 |
| Income tax expense | -$73.7 | $2.46 | $15.38 | -$13.01 |
| Interest expense | ||||
| Net income | ||||
| Net income | -$179.95 | -$77.74 | $47.41 | -$45.08 |
| Income (for common shares) | -$179.95 | -$77.74 | $47.41 | -$45.08 |
| (in millions $) | 31 Dec 2023 | 30 Sep 2023 | 30 Jun 2023 | 31 Mar 2023 |
|---|---|---|---|---|
| Net income | -$41.82 | -$21.14 | -$14.9 | -$102.09 |
| Operating activities | ||||
| Depreciation | $13.78 | $13.94 | $13.77 | $13.39 |
| Business acquisitions & disposals | ||||
| Stock-based compensation | $4.88 | $4.36 | $4.47 | $4.88 |
| Total cash flows from operations | $106.31 | $107.1 | $102.54 | $76.81 |
| Investing activities | ||||
| Capital expenditures | -$6.08 | -$6.45 | -$6.99 | -$11.74 |
| Investments | -$90.5 | -$78.69 | -$57.16 | -$27.14 |
| Total cash flows from investing | -$96.81 | -$85.35 | -$64.37 | -$39.65 |
| Financing activities | ||||
| Dividends paid | ||||
| Sale and purchase of stock | -$0.37 | -$0.6 | -$0.36 | -$1.36 |
| Net borrowings | -$2.76 | -$23.84 | -$37.39 | -$37.7 |
| Total cash flows from financing | -$3.13 | -$24.44 | -$37.76 | -$39.06 |
| Effect of exchange rate | ||||
| Change in cash and equivalents | $6.37 | -$2.69 | $0.41 | -$1.9 |
| (in millions $) | 31 Dec 2023 | 31 Dec 2022 | 31 Dec 2021 | 31 Dec 2020 |
|---|---|---|---|---|
| Net income | -$179.95 | -$77.74 | $47.41 | -$45.08 |
| Operating activities | ||||
| Depreciation | $54.88 | $47.53 | $27.11 | $20.22 |
| Business acquisitions & disposals | -$111.65 | |||
| Stock-based compensation | $18.59 | $27.62 | $18.86 | $19.49 |
| Total cash flows from operations | $392.76 | $247.88 | $163.45 | $152.87 |
| Investing activities | ||||
| Capital expenditures | -$31.26 | -$48.89 | -$26.48 | -$26.6 |
| Investments | -$253.48 | -$1116.66 | -$734.36 | $42.98 |
| Total cash flows from investing | -$286.18 | -$1171.55 | -$884.79 | $16.38 |
| Financing activities | ||||
| Dividends paid | ||||
| Sale and purchase of stock | -$2.7 | -$8.66 | -$3.23 | -$1.54 |
| Net borrowings | -$101.69 | $943.2 | $751.12 | -$134.76 |
| Total cash flows from financing | -$104.39 | $934.53 | $745.71 | -$136.8 |
| Effect of exchange rate | ||||
| Change in cash and equivalents | $2.2 | $10.86 | $24.37 | $32.45 |
News
Fundamentals
| Market cap | $73.42M |
|---|---|
| Enterprise value | $2.81B |
| Shares outstanding | 34.47M |
| Revenue | $280.67M |
|---|---|
| EBITDA | -$198.77M |
| EBIT | -$253.65M |
| Net Income | -$179.95M |
| Revenue Q/Q | -49.74% |
| Revenue Y/Y | N/A |
| P/E ratio | -0.41 |
|---|---|
| EV/Sales | 10.00 |
| EV/EBITDA | -14.12 |
| EV/EBIT | -11.06 |
| P/S ratio | 0.26 |
| P/B ratio | 0.18 |
| Book/Share | 11.73 |
| Cash/Share | 5.98 |
| EPS | -$5.22 |
|---|---|
| ROA | -5.21% |
| ROE | -40.89% |
| Debt/Equity | 7.44 |
|---|---|
| Net debt/EBITDA | -14.09 |
| Current ratio | 1.20 |
| Quick ratio | 1.20 |