Oportun Net Profit Margin vs Operating Profit Margin Analysis

OPRT Stock

USD 3.71 0.22 5.60%

Oportun Financial financial indicator trend analysis is much more than just breaking down Oportun Financial Corp prevalent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Oportun Financial Corp is a good investment. Please check the relationship between Oportun Financial Net Profit Margin and its Operating Profit Margin accounts. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Oportun Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.

Net Profit Margin vs Operating Profit Margin

Net Profit Margin vs Operating Profit Margin Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Oportun Financial Corp Net Profit Margin account and Operating Profit Margin. At this time, the significance of the direction appears to have almost identical trend.

The correlation between Oportun Financial's Net Profit Margin and Operating Profit Margin is 0.92. Overlapping area represents the amount of variation of Net Profit Margin that can explain the historical movement of Operating Profit Margin in the same time period over historical financial statements of Oportun Financial Corp, assuming nothing else is changed. The correlation between historical values of Oportun Financial's Net Profit Margin and Operating Profit Margin is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Net Profit Margin of Oportun Financial Corp are associated (or correlated) with its Operating Profit Margin. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Operating Profit Margin has no effect on the direction of Net Profit Margin i.e., Oportun Financial's Net Profit Margin and Operating Profit Margin go up and down completely randomly.

Correlation Coefficient

0.92

Relationship Direction	Positive
Relationship Strength	Very Strong

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Net Profit Margin

The percentage of revenue left after all expenses have been deducted from sales. The measure is calculated by dividing net profit by revenue.

Operating Profit Margin

Most indicators from Oportun Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Oportun Financial Corp current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Oportun Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.

Sales General And Administrative To Revenue is likely to gain to 0.19 in 2025, whereas Selling General Administrative is likely to drop slightly above 133.9 M in 2025.

	2022	2023	2024	2025 (projected)
Gross Profit	640.7M	1.1B	1.2B	1.3B
Total Revenue	640.7M	1.1B	1.2B	1.3B

Gross Profit Total Revenue

Oportun Financial fundamental ratios Correlations

	Total Assets	Total Current Liabilities	Total Stockholder Equity	Other Liab	Net Tangible Assets	Retained Earnings	Accounts Payable	Cash	Other Assets	Long Term Debt	Net Receivables	Common Stock Shares Outstanding	Other Current Assets	Other Stockholder Equity	Total Liab	Deferred Long Term Liab	Total Current Assets	Common Stock	Property Plant Equipment	Short Long Term Debt Total	Property Plant And Equipment Net	Net Debt	Net Invested Capital	Capital Stock
Total Assets		0.7	0.87	0.42	0.91	-0.08	0.94	0.81	0.39	0.63	-0.79	0.73	0.96	0.96	1.0	0.86	-0.72	0.96	0.72	0.99	0.63	0.98	1.0	-0.88
Total Current Liabilities	0.7		0.67	0.57	0.75	-0.32	0.62	0.74	-0.04	0.86	-0.69	0.65	0.7	0.72	0.7	0.72	-0.64	0.7	0.5	0.69	0.54	0.68	0.71	-0.71
Total Stockholder Equity	0.87	0.67		0.68	0.88	0.29	0.9	0.92	0.67	0.49	-0.95	0.41	0.92	0.88	0.84	0.81	-0.92	0.85	0.83	0.78	0.84	0.77	0.84	-0.9
Other Liab	0.42	0.57	0.68		0.49	0.53	0.37	0.77	0.54	0.28	-0.54	0.14	0.57	0.54	0.37	0.57	-0.54	0.46	0.51	0.31	0.71	0.29	0.41	-0.61
Net Tangible Assets	0.91	0.75	0.88	0.49		-0.07	0.83	0.85	0.34	0.66	-0.8	0.55	0.95	0.94	0.89	0.97	-0.73	0.95	0.86	0.88	0.82	0.87	0.92	-0.97
Retained Earnings	-0.08	-0.32	0.29	0.53	-0.07		0.02	0.24	0.8	-0.48	-0.18	-0.5	0.07	0.0	-0.14	-0.02	-0.25	-0.06	0.26	-0.22	0.4	-0.23	-0.12	-0.07
Accounts Payable	0.94	0.62	0.9	0.37	0.83	0.02		0.74	0.52	0.57	-0.89	0.57	0.88	0.84	0.93	0.71	-0.84	0.84	0.68	0.9	0.57	0.9	0.91	-0.78
Cash	0.81	0.74	0.92	0.77	0.85	0.24	0.74		0.55	0.43	-0.83	0.54	0.9	0.88	0.78	0.84	-0.78	0.84	0.72	0.73	0.82	0.71	0.8	-0.89
Other Assets	0.39	-0.04	0.67	0.54	0.34	0.8	0.52	0.55		-0.27	-0.57	-0.09	0.5	0.41	0.35	0.31	-0.6	0.36	0.48	0.27	0.55	0.26	0.35	-0.44
Long Term Debt	0.63	0.86	0.49	0.28	0.66	-0.48	0.57	0.43	-0.27		-0.51	0.51	0.54	0.59	0.65	0.62	-0.46	0.59	0.47	0.66	0.38	0.66	0.65	-0.57
Net Receivables	-0.79	-0.69	-0.95	-0.54	-0.8	-0.18	-0.89	-0.83	-0.57	-0.51		-0.36	-0.82	-0.78	-0.77	-0.68	0.99	-0.75	-0.75	-0.7	-0.74	-0.69	-0.75	0.79
Common Stock Shares Outstanding	0.73	0.65	0.41	0.14	0.55	-0.5	0.57	0.54	-0.09	0.51	-0.36		0.62	0.64	0.75	0.52	-0.26	0.65	0.14	0.79	0.09	0.79	0.74	-0.49
Other Current Assets	0.96	0.7	0.92	0.57	0.95	0.07	0.88	0.9	0.5	0.54	-0.82	0.62		0.99	0.94	0.93	-0.75	0.98	0.82	0.92	0.78	0.91	0.96	-0.97
Other Stockholder Equity	0.96	0.72	0.88	0.54	0.94	0.0	0.84	0.88	0.41	0.59	-0.78	0.64	0.99		0.95	0.93	-0.71	0.99	0.83	0.93	0.77	0.92	0.96	-0.96
Total Liab	1.0	0.7	0.84	0.37	0.89	-0.14	0.93	0.78	0.35	0.65	-0.77	0.75	0.94	0.95		0.83	-0.7	0.95	0.69	0.99	0.58	0.99	0.99	-0.86
Deferred Long Term Liab	0.86	0.72	0.81	0.57	0.97	-0.02	0.71	0.84	0.31	0.62	-0.68	0.52	0.93	0.93	0.83		-0.6	0.94	0.85	0.83	0.84	0.82	0.88	-0.98
Total Current Assets	-0.72	-0.64	-0.92	-0.54	-0.73	-0.25	-0.84	-0.78	-0.6	-0.46	0.99	-0.26	-0.75	-0.71	-0.7	-0.6		-0.68	-0.73	-0.62	-0.73	-0.61	-0.67	0.73
Common Stock	0.96	0.7	0.85	0.46	0.95	-0.06	0.84	0.84	0.36	0.59	-0.75	0.65	0.98	0.99	0.95	0.94	-0.68		0.83	0.94	0.76	0.93	0.96	-0.96
Property Plant Equipment	0.72	0.5	0.83	0.51	0.86	0.26	0.68	0.72	0.48	0.47	-0.75	0.14	0.82	0.83	0.69	0.85	-0.73	0.83		0.65	0.94	0.64	0.72	-0.89
Short Long Term Debt Total	0.99	0.69	0.78	0.31	0.88	-0.22	0.9	0.73	0.27	0.66	-0.7	0.79	0.92	0.93	0.99	0.83	-0.62	0.94	0.65		0.53	1.0	0.99	-0.84
Property Plant And Equipment Net	0.63	0.54	0.84	0.71	0.82	0.4	0.57	0.82	0.55	0.38	-0.74	0.09	0.78	0.77	0.58	0.84	-0.73	0.76	0.94	0.53		0.51	0.62	-0.88
Net Debt	0.98	0.68	0.77	0.29	0.87	-0.23	0.9	0.71	0.26	0.66	-0.69	0.79	0.91	0.92	0.99	0.82	-0.61	0.93	0.64	1.0	0.51		0.99	-0.83
Net Invested Capital	1.0	0.71	0.84	0.41	0.92	-0.12	0.91	0.8	0.35	0.65	-0.75	0.74	0.96	0.96	0.99	0.88	-0.67	0.96	0.72	0.99	0.62	0.99		-0.89
Capital Stock	-0.88	-0.71	-0.9	-0.61	-0.97	-0.07	-0.78	-0.89	-0.44	-0.57	0.79	-0.49	-0.97	-0.96	-0.86	-0.98	0.73	-0.96	-0.89	-0.84	-0.88	-0.83	-0.89

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Oportun Financial Account Relationship Matchups

Oportun Financial fundamental ratios Accounts

	2020	2021	2022	2023	2024	2025 (projected)
Total Assets	2.0B	2.9B	3.6B	3.4B	3.9B	2.5B
Other Current Liab	(257.8M)	(413.9M)	(345.3M)	29.0M	26.1M	27.4M
Total Current Liabilities	251.6M	405.5M	(3.5M)	407.2M	468.3M	491.7M
Total Stockholder Equity	466.3M	603.8M	547.6M	404.4M	465.1M	416.8M
Other Liab	58.2M	79.3M	135.3M	33.6M	38.7M	63.2M
Net Tangible Assets	470.4M	466.4M	368.7M	547.6M	629.7M	661.2M
Retained Earnings	36.4M	83.8M	6.1M	(173.8M)	(156.5M)	(148.6M)
Accounts Payable	5.2M	11.6M	18.1M	13.7M	15.8M	10.7M
Cash	136.2M	131M	98.8M	91.2M	104.9M	94.0M
Non Current Assets Total	74.2M	273.6M	112.6M	3.3B	3.8B	4.0B
Non Currrent Assets Other	(2.9M)	(4.4M)	(59.4M)	3.2B	3.7B	3.8B
Other Assets	1.8B	2.5B	3.3B	(139.4M)	(160.3M)	(152.3M)
Long Term Debt	253.2M	1.8B	317.6M	2.6B	3.0B	3.2B
Cash And Short Term Investments	136.2M	131M	98.8M	91.2M	104.9M	89.1M
Net Receivables	15.4M	20.9M	11.1M	8.8M	7.9M	7.5M
Common Stock Shares Outstanding	27.3M	30.3M	32.8M	36.9M	42.4M	28.2M
Long Term Debt Total	1.2B	253.2M	393.9M	317.6M	365.2M	512.5M
Liabilities And Stockholders Equity	2.0B	2.9B	3.6B	3.4B	3.9B	2.4B
Non Current Liabilities Total	1.2B	1.8B	15.7M	3.0B	3.4B	3.6B
Capital Surpluse	418.3M	436.5M	526.3M	547.8M	630.0M	396.6M
Capital Lease Obligations	49.7M	47.7M	37.9M	28.4M	32.6M	29.8M
Inventory	(201.3M)	(239.2M)	(177.6M)	(115.7M)	(104.2M)	(109.4M)
Other Current Assets	201.3M	239.2M	268.0M	230.6M	265.1M	176.1M
Other Stockholder Equity	430.1M	520.0M	541.5M	578.2M	665.0M	348.9M
Total Liab	1.5B	2.3B	3.1B	3.0B	3.5B	2.0B
Property Plant And Equipment Gross	62.7M	38.4M	30.4M	70.0M	80.6M	43.3M
Short Long Term Debt	246.4M	393.9M	317.6M	290.0M	333.4M	212.9M
Total Current Assets	151.6M	151.9M	221.0M	230.6M	207.5M	191.0M
Short Term Debt	246.4M	393.9M	317.6M	357.4M	411.0M	222.2M
Intangible Assets	27.4M	131.2M	139.8M	114.7M	131.9M	138.5M
Property Plant Equipment	73.3M	46.8M	38.4M	41.0M	47.1M	40.2M

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