Oportun Financial Corp Stock Debt To Equity

OPRT Stock

USD 3.80 0.21 5.24%

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.

		Last Reported	Projected for Next Year
	Debt To Equity	7.23	7.59

Debt To Equity is likely to gain to 7.59 in 2024.

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Oportun Financial Corp Company Debt To Equity Analysis

Oportun Financial's Debt to Equity is calculated by dividing the Total Debt of a company by its Equity. If the debt exceeds equity of a company, then the creditors have more stakes in a firm than the stockholders. In other words, Debt to Equity ratio provides analysts with insights about composition of both equity and debt, and its influence on the valuation of the company.

D/E

Total Debt

Total Equity

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Current Oportun Financial Debt To Equity

4.01 %

Most of Oportun Financial's fundamental indicators, such as Debt To Equity, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Oportun Financial Corp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

Oportun Debt To Equity 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 Debt To Equity. 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

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Oportun Debt To Equity Historical Pattern

Today, most investors in Oportun Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Oportun Financial's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's debt to equity growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of Oportun Financial debt to equity as a starting point in their analysis.

Oportun Financial Debt To Equity

Timeline

High Debt to Equity ratio typically indicates that a firm has been borrowing aggressively to finance its growth and as a result may experience a burden of additional interest expense. This may reduce earnings or future growth. On the other hand a small D/E ratio may indicate that a company is not taking enough advantage from financial leverage. Debt to Equity ratio measures how the company is leveraging borrowing against the capital invested by the owners.

Competition

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Debt To Equity Over Time

Oportun Total Stockholder Equity

Total Stockholder Equity

416.85 Million

At this time, Oportun Financial's Total Stockholder Equity is comparatively stable compared to the past year.

According to the company disclosure, Oportun Financial Corp has a Debt To Equity of 4.007%. This is 87.8% lower than that of the Consumer Finance sector and 96.3% lower than that of the Financials industry. The debt to equity for all United States stocks is 91.77% higher than that of the company.

Oportun Debt To Equity 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 Debt To Equity 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 debt to equity 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	110.01 K
	Price To Earning	4.23 X
	Price To Book	0.42 X
	Price To Sales	0.17 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	6.17
	Number Of Employees	2.34 K
	Beta	1.11
	Market Capitalization	144.24 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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