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About the company
Oportun Financial Corporation is a financial services company. The Company offers access to a suite of financial products, offered either directly or through partners, including lending and savings powered by artificial intelligence. The Company's credit products include unsecured and secured personal loans. Its unsecured personal loan is a fully amortizing installment loan with fixed payments throughout the life of the loan. Its secured personal loan is a personal installment loan product secured by an automobile. It also offers automated savings, through its Set & Save platform. Its Set & Save product is designed to understand a member’s cash flows and save the right amount on a regular basis. It reaches incremental members through its Lending as a Service lead generation program. It allows consumers to become members and access its products through the Oportun Mobile App and the Oportun.com Website, which serve as its primary platforms for onboarding and providing member services.
- Revenue in USD (TTM)408.82m
- Net income in USD30.58m
- Incorporated2011
- Employees1.56k
- LocationOportun Financial Corp2 Circle Star WaySAN CARLOS 94070-6200United StatesUSA
- Phone+1 (650) 810-8823
- Fax+1 (302) 655-5049
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fifth District Bancorp Inc | 21.52m | 3.71m | 83.95m | 67.00 | 21.17 | 0.6394 | 19.16 | 5.02 | 0.7181 | 0.7181 | 3.19 | 23.77 | -- | -- | -- | -- | 0.6971 | -- | -- | -- | -- | -- | 22.15 | -- | -- | -- | -- | -- | 17.45 | -- | -235.18 | -- | -- | -- |
| Vroom Inc | 109.08m | -34.15m | 85.95m | 704.00 | -- | 0.6788 | -- | 0.788 | -19.30 | -19.06 | 25.09 | 24.35 | 0.1052 | -- | 8.13 | 154,941.80 | -3.29 | -15.61 | -4.81 | -22.18 | 50.03 | 9.24 | -31.31 | -18.66 | -- | -20.84 | 0.8575 | -- | 16.23 | -38.10 | -62.45 | -- | -0.2335 | -- |
| Beeline Holdings Inc | 7.69m | -23.43m | 88.44m | 76.00 | -- | 1.19 | -- | 11.50 | -12.25 | -23.94 | 0.9795 | 2.62 | 0.1936 | -- | 105.32 | 101,157.90 | -46.53 | -29.43 | -71.98 | -52.71 | 33.87 | 21.49 | -240.27 | -83.84 | -- | -4.60 | 0.14 | -- | -64.07 | -20.16 | 39.56 | -- | -49.57 | -- |
| CPI Card Group Inc | 515.58m | 14.37m | 143.14m | 1.50k | 10.45 | -- | 4.15 | 0.2776 | 1.20 | 1.20 | 43.20 | -2.25 | 1.38 | 3.96 | 6.05 | 343,717.30 | 3.84 | 7.98 | 4.86 | 10.12 | 31.89 | 36.12 | 2.79 | 5.37 | 1.53 | 1.63 | 1.09 | 0.00 | 8.11 | 11.56 | -18.61 | -- | 17.26 | -- |
| Consumer Portfolio Services Inc | 418.86m | 19.49m | 197.09m | 918.00 | 11.09 | 0.6429 | 9.66 | 0.4706 | 0.8051 | 0.8051 | 17.30 | 13.89 | 0.1152 | -- | 95.58 | 448,941.10 | 0.536 | 1.69 | 0.5464 | 1.73 | 46.23 | 62.37 | 4.65 | 13.73 | -- | -- | 0.9178 | -- | 9.56 | 1.50 | -57.65 | 28.85 | -10.43 | -- |
| Oportun Financial Corp | 408.82m | 30.58m | 242.71m | 1.56k | 8.29 | 0.6318 | 3.28 | 0.5937 | 0.6633 | 0.6633 | 8.79 | 8.71 | 0.1270 | -- | -- | 176,824.00 | 0.9501 | -2.26 | 0.9714 | -2.35 | -- | -- | 7.48 | -15.97 | -- | -- | 0.8768 | -- | 5.18 | -7.77 | 56.28 | -- | -5.20 | -- |
| California First Leasing Corp | 25.85m | 20.28m | 249.27m | 98.00 | 12.74 | 0.9708 | 25.22 | 9.64 | 2.18 | 2.18 | 2.78 | 28.59 | 0.0953 | -- | -- | -- | 7.47 | 7.71 | 7.50 | 7.97 | -- | -- | 78.45 | 76.51 | -- | -- | 0.00 | 15.95 | -46.01 | -- | -39.60 | -- | -- | -5.11 |
| Eightco Holdings Inc | 38.11m | -32.59m | 261.14m | 23.00 | -- | 0.7288 | -- | 6.85 | -3.02 | -2.82 | 2.86 | 1.81 | 0.1883 | 8.00 | 25.56 | 1,656,748.00 | -16.10 | -- | -18.03 | -- | 5.60 | -- | -85.53 | -- | 18.55 | -2.18 | 0.0299 | -- | -41.36 | -- | 100.42 | -- | -- | -- |
| Regional Management Corp | 645.60m | 44.41m | 331.91m | 2.13k | 7.82 | 0.8896 | 7.68 | 0.5141 | 4.44 | 4.44 | 64.65 | 39.05 | 0.3218 | -- | -- | -- | 2.21 | 2.84 | 2.31 | 3.43 | -- | -- | 6.88 | 8.88 | -- | 1.68 | 0.8149 | 23.15 | 9.70 | 11.54 | 7.73 | 10.69 | -- | 43.10 |
| Yiren Digital Ltd - ADR | 897.69m | 181.18m | 336.12m | 949.00 | 1.87 | 0.225 | 1.84 | 0.3744 | 2.08 | 2.08 | 10.32 | 17.29 | 0.4453 | -- | 8.48 | 945,928.40 | 8.99 | 11.66 | 11.12 | 15.11 | 88.21 | 80.06 | 20.18 | 23.02 | -- | -- | 0.0009 | -- | 18.59 | -7.93 | -23.94 | 6.49 | -28.16 | -- |
| Better Home & Finance Holding Co | 181.26m | -185.18m | 438.09m | 1.25k | -- | 10.24 | -- | 2.42 | -12.20 | -12.20 | 11.93 | 2.73 | 0.1626 | -- | 7.22 | 145,005.60 | -16.61 | -- | -28.96 | -- | 80.30 | 31.63 | -102.16 | -61.85 | -- | -- | 0.9674 | -- | 25.05 | 5.96 | 61.54 | -- | -5.63 | -- |
| LexinFintech Holdings Ltd - ADR | 1.99bn | 263.76m | 513.20m | 4.67k | 2.06 | 0.3004 | -- | 0.258 | 1.48 | 1.48 | 11.16 | 10.15 | 0.604 | 253.77 | 2.51 | 426,183.40 | 8.01 | 5.48 | 14.96 | 11.56 | 36.02 | 36.50 | 13.26 | 9.84 | 1.80 | -- | 0.2869 | 5.07 | 8.78 | 6.02 | 3.24 | -13.67 | 37.72 | -- |
| World Acceptance Corp | 573.44m | 42.76m | 577.68m | 2.84k | 15.41 | 1.64 | 11.42 | 1.01 | 7.81 | 7.81 | 111.41 | 73.25 | 0.5091 | -- | -- | 202,058.40 | 3.80 | 6.16 | 4.24 | 7.11 | 92.33 | 92.84 | 7.46 | 11.55 | -- | -- | 0.6208 | 0.00 | -1.46 | -0.8687 | 16.03 | 26.09 | -32.21 | -- |
Data as of Feb 10 2026. Currency figures normalised to Oportun Financial Corp's reporting currency: US Dollar USD
44.12%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Neuberger Berman Investment Advisers LLCas of 30 Sep 2025 | 3.94m | 8.95% |
| Findell Capital Management LLCas of 30 Sep 2025 | 2.57m | 5.84% |
| BlackRock Fund Advisorsas of 30 Sep 2025 | 2.41m | 5.48% |
| Forager Capital Management LLCas of 13 Oct 2025 | 2.24m | 5.10% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 1.88m | 4.28% |
| Long Focus Capital Management LLCas of 30 Sep 2025 | 1.52m | 3.44% |
| Cannell Capital LLCas of 30 Sep 2025 | 1.47m | 3.34% |
| Millennium Management LLCas of 30 Sep 2025 | 1.23m | 2.80% |
| Geode Capital Management LLCas of 30 Sep 2025 | 1.18m | 2.67% |
| Acadian Asset Management LLCas of 30 Sep 2025 | 981.81k | 2.23% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
