Oportun Financial Valuation
| OPRT Stock | USD 4.38 0.61 12.22% |
At this time, the company appears to be undervalued. Oportun Financial Corp holds a recent Real Value of $5.08 per share. The prevailing price of the company is $4.38. Our model determines the value of Oportun Financial Corp from analyzing the company fundamentals such as Shares Outstanding of 36.13 M, return on equity of -0.21, and Operating Margin of 0.04 % as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Oportun Financial's valuation include:
Price Book 0.4453 | Enterprise Value | Price Sales 0.2073 | Forward PE 5.0125 | Enterprise Value Revenue 10.0947 |
Undervalued
Today
Please note that Oportun Financial's price fluctuation is unstable at this time. Calculation of the real value of Oportun Financial Corp is based on 3 months time horizon. Increasing Oportun Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Oportun Financial's intrinsic value may or may not be the same as its current market price of 4.38, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 4.38 | Real 5.08 | Target 6.33 | Hype 4.28 |
The intrinsic value of Oportun Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Oportun Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Oportun Financial Corp helps investors to forecast how Oportun stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Oportun Financial more accurately as focusing exclusively on Oportun Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Oportun Financial's intrinsic value based on its ongoing forecasts of Oportun Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Oportun Financial's closest peers.
Oportun Financial Cash |
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Oportun Valuation Trend
Oportun Financial's real value is important for investors to make better decisions and a more accurate overall view of Oportun Financial's financial worth over time. Using both Oportun Financial's enterprise value as well as its market capitalization is the best way to gauge the value of the company and is usually enough for investors to make market timing conclusions.
Oportun Financial Total Value Analysis
Oportun Financial Corp is now projected to have valuation of 2.91 B with market capitalization of 158.27 M, debt of 18.2 M, and cash on hands of 66.71 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Oportun Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
2.91 B | 158.27 M | 18.2 M | 66.71 M |
Oportun Financial Investor Information
About 63.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 0.45. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Oportun Financial Corp recorded a loss per share of 1.95. The entity had not issued any dividends in recent years. Oportun Financial Corp may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Total Cash From Operating Activities | 223.1 M | 393.5 M |
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Oportun Financial Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Oportun Financial has an asset utilization ratio of 31.04 percent. This implies that the Company is making $0.31 for each dollar of assets. An increasing asset utilization means that Oportun Financial Corp is more efficient with each dollar of assets it utilizes for everyday operations.Oportun Financial Ownership Allocation
Oportun Financial owns a total of 36.13 Million outstanding shares. Over half of Oportun Financial's outstanding shares are owned by third-party entities. These third-party entities are typically referred to as corporate investors that secure positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company maintains, if the real value of the company is less than the current market value, you may not be able to make money on it.Oportun Financial Profitability Analysis
The company reported the previous year's revenue of 1 B. Net Loss for the year was (78.7 M) with profit before overhead, payroll, taxes, and interest of 726.77 M.About Oportun Financial Valuation
The stock valuation mechanism determines Oportun Financial's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Oportun Financial Corp based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Oportun Financial. We calculate exposure to Oportun Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Oportun Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 1 B | 572.3 M | |
| Pretax Profit Margin | (0.11) | (0.11) | |
| Operating Profit Margin | 0.59 | 0.62 | |
| Net Loss | (0.08) | (0.07) | |
| Gross Profit Margin | 0.90 | 0.80 |
Oportun Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Oportun Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 40.4 M | |
| Quarterly Earnings Growth Y O Y | 12.7 | |
| Forward Price Earnings | 5.0125 |
Oportun Financial Current Valuation Indicators
Oportun Financial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Oportun Financial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Oportun Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Oportun Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Oportun Financial's worth.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.