Oportun Financial Corp Stock Five Year Return

OPRT Stock

USD 3.95 0.22 5.90%

Oportun Financial Corp fundamentals help investors to digest information that contributes to Oportun Financial's financial success or failures. It also enables traders to predict the movement of Oportun Stock. The fundamental analysis module provides a way to measure Oportun Financial's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Oportun Financial stock.

Cash Accounts Payable

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Oportun Financial Corp Company Five Year Return Analysis

Oportun Financial's Five Year Return is considered one of the best measures to evaluate fund performance, especially from the mid and long term perspective. It shows the total annualized return generated from holding equity for the last five years and represents capital appreciation of the investment, including all dividends, losses, and capital gains distributions.

Five Year Return

(Mean of Monthly Returns - 1)

X

100%

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Oportun Five Year Return Driver Correlations

Understanding the fundamental principles of building solid financial models for Oportun Financial is extremely important. It helps to project a fair market value of Oportun Stock properly, considering its historical fundamentals such as Five Year Return. Since Oportun Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Oportun Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Oportun Financial's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Tangible Assets	Retained Earnings	Accounts Payable	Long Term Debt	Net Receivables	Total Liab	Deferred Long Term Liab	Total Current Assets	Common Stock	Property Plant Equipment	Net Debt	Net Invested Capital	Capital Stock
Total Assets		0.89	0.91	0.12	0.93	0.53	-0.8	1.0	0.86	-0.73	0.94	0.74	0.98	1.0	-0.89
Total Stockholder Equity	0.89		0.86	0.41	0.9	0.45	-0.95	0.86	0.8	-0.92	0.84	0.82	0.79	0.86	-0.89
Net Tangible Assets	0.91	0.86		0.02	0.8	0.61	-0.79	0.9	0.97	-0.72	0.95	0.86	0.88	0.92	-0.97
Retained Earnings	0.12	0.41	0.02		0.18	-0.36	-0.27	0.06	0.05	-0.33	0.05	0.33	-0.04	0.07	-0.18
Accounts Payable	0.93	0.9	0.8	0.18		0.48	-0.89	0.93	0.68	-0.85	0.8	0.66	0.89	0.9	-0.76
Long Term Debt	0.53	0.45	0.61	-0.36	0.48		-0.48	0.53	0.58	-0.44	0.52	0.45	0.55	0.54	-0.51
Net Receivables	-0.8	-0.95	-0.79	-0.27	-0.89	-0.48		-0.79	-0.66	0.99	-0.74	-0.74	-0.7	-0.75	0.77
Total Liab	1.0	0.86	0.9	0.06	0.93	0.53	-0.79		0.84	-0.71	0.94	0.71	0.99	0.99	-0.87
Deferred Long Term Liab	0.86	0.8	0.97	0.05	0.68	0.58	-0.66	0.84		-0.58	0.94	0.85	0.83	0.89	-0.98
Total Current Assets	-0.73	-0.92	-0.72	-0.33	-0.85	-0.44	0.99	-0.71	-0.58		-0.66	-0.72	-0.61	-0.68	0.71
Common Stock	0.94	0.84	0.95	0.05	0.8	0.52	-0.74	0.94	0.94	-0.66		0.84	0.92	0.95	-0.95
Property Plant Equipment	0.74	0.82	0.86	0.33	0.66	0.45	-0.74	0.71	0.85	-0.72	0.84		0.65	0.73	-0.89
Net Debt	0.98	0.79	0.88	-0.04	0.89	0.55	-0.7	0.99	0.83	-0.61	0.92	0.65		0.99	-0.84
Net Invested Capital	1.0	0.86	0.92	0.07	0.9	0.54	-0.75	0.99	0.89	-0.68	0.95	0.73	0.99		-0.9
Capital Stock	-0.89	-0.89	-0.97	-0.18	-0.76	-0.51	0.77	-0.87	-0.98	0.71	-0.95	-0.89	-0.84	-0.9

Click cells to compare fundamentals

Although Five Year Returns can give a sense of overall investment potential, it is recommended to compare equity performance with similar assets for the same five year time interval. Similarly, comparing overall investment performance over the last five years with the appropriate market index is a great way to determine how this equity instrument will perform during unforeseen market fluctuations.

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Oportun Return On Tangible Assets

Return On Tangible Assets

(0.0518)

At this time, Oportun Financial's Return On Tangible Assets are comparatively stable compared to the past year.

According to the company disclosure, Oportun Financial Corp has a Five Year Return of 0.0%. This indicator is about the same for the Consumer Finance average (which is currently at 0.0) sector and about the same as Financials (which currently averages 0.0) industry. This indicator is about the same for all United States stocks average (which is currently at 0.0).

Oportun Five Year Return Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Oportun Financial's direct or indirect competition against its Five Year Return to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Oportun Financial could also be used in its relative valuation, which is a method of valuing Oportun Financial by comparing valuation metrics of similar companies.

Oportun Financial is currently under evaluation in five year return category among its peers.

Oportun Financial Current Valuation Drivers

We derive many important indicators used in calculating different scores of Oportun Financial from analyzing Oportun Financial's financial statements. These drivers represent accounts that assess Oportun Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Oportun Financial's important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	222.5M	529.4M	570.9M	180.9M	144.2M	137.0M
Enterprise Value	1.8B	1.9B	2.6B	3.0B	3.0B	1.6B

Oportun Financial ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Oportun Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Oportun Financial's managers, analysts, and investors.

Environmental

Governance

Social

Oportun Fundamentals

	Return On Equity	-0.3
	Return On Asset	-0.0358
	Profit Margin	(0.15) %
	Operating Margin	0.03 %
	Current Valuation	2.86 B
	Shares Outstanding	35.97 M
	Shares Owned By Insiders	9.69 %
	Shares Owned By Institutions	79.50 %
	Number Of Shares Shorted	100.17 K
	Price To Earning	4.23 X
	Price To Book	0.41 X
	Price To Sales	0.16 X
	Revenue	1.06 B
	Gross Profit	791.87 M
	EBITDA	(198.77 M)
	Net Income	(179.95 M)
	Cash And Equivalents	66.71 M
	Cash Per Share	2.03 X
	Total Debt	2.94 B
	Debt To Equity	4.01 %
	Current Ratio	41.01 X
	Book Value Per Share	11.73 X
	Cash Flow From Operations	392.76 M
	Short Ratio	1.03 X
	Earnings Per Share	(3.29) X
	Price To Earnings To Growth	(1.04) X
	Target Price	5.75
	Number Of Employees	2.34 K
	Beta	1.11
	Market Capitalization	134.17 M
	Total Asset	3.41 B
	Retained Earnings	(173.85 M)
	Net Asset	3.41 B

About Oportun Financial Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Oportun Financial Corp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Oportun Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Oportun Financial Corp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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Additional Tools for Oportun Stock Analysis

When running Oportun Financial's price analysis, check to measure Oportun Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Oportun Financial is operating at the current time. Most of Oportun Financial's value examination focuses on studying past and present price action to predict the probability of Oportun Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Oportun Financial's price. Additionally, you may evaluate how the addition of Oportun Financial to your portfolios can decrease your overall portfolio volatility.

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