Oportun Financial Corporation
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Oportun Financial Corporation's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 37%
Sales fell 37% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-37% / -10%In 3 years sales changed by -37% while total assets changed by -10%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
98%Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 51% of Financial Services companies in United States.
Tangible Net Worth Ratio
82%Of every $100 of net worth, $82 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 53% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Oportun Financial Corporation owes $0.87 for every $1 it owns. Oportun Financial Corporation returned to profit in the year to Dec 2025, after a loss the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
23.3Investors pay $23.3 for every $1 of Oportun Financial Corporation's yearly profit, higher than 81% of Financial Services companies in United States.
P/B ratio
1.05The share price is 1.05 times Oportun Financial Corporation's book value per share, lower than 68% of Financial Services companies in United States.
Market cap
$428 MThe total market value of all of Oportun Financial Corporation's shares at today's price (share price × number of shares), smaller than 62% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$407 MWhat Oportun Financial Corporation would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$8.85Net worth divided by the number of shares. The share price of $9.31 is 1.1 times this, which is the P/B above.
Return on equity (ROE)
5.0%Oportun Financial Corporation earned 5.0% on its shareholders' money over the last year, lower than 75% of Financial Services companies in United States.
Owes vs Owns
0.87×Oportun Financial Corporation owes $0.87 for every $1 it owns (high), higher than 60% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneOportun Financial Corporation does not currently pay a dividend.
Revenue growth
+37%Revenue rose 37% in the year to Dec 2025, and shrank 14% a year on average over 3 years.
Profit growth
Back to profitOportun Financial Corporation returned to profit in the year to Dec 2025, after a loss the year before.
Profit margin
6.2%Oportun Financial Corporation keeps $6 of every $100 of revenue as net profit.
Questions
What is Oportun Financial Corporation's P/E ratio?
Investors pay $23.3 for every $1 of Oportun Financial Corporation's yearly profit, higher than 81% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Oportun Financial Corporation: $428 M ÷ $407 M (30 Jun 2026) = 1.1.
What is Oportun Financial Corporation's return on equity?
Oportun Financial Corporation earned 5.0% on its shareholders' money over the last year, lower than 75% of Financial Services companies in United States.
How much does Oportun Financial Corporation owe compared with what it owns?
Oportun Financial Corporation owes $0.87 for every $1 it owns (high), higher than 60% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Oportun Financial Corporation pay a dividend?
No. Oportun Financial Corporation does not currently pay a dividend.
Is Oportun Financial Corporation's revenue growing?
Revenue rose 37% in the year to Dec 2025, and shrank 14% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.