Oportun - Public Comps and Valuation Multiples

Oportun Overview

About Oportun

Oportun Financial Corp is engaged in providing financial services to people who either do not have a credit score or who may have a limited credit history. The company offers Personal Loans, Auto Loans, unsecured personal loans, and secured personal loans, and provides deposit accounts, debit card services, and other transaction services to its customers. Its product offerings include small-dollar, unsecured installment loans and other products and services.

Founded

2011

HQ

Employees

2.4K+

Website

oportun.com

Sectors

Online Lending
Lending Solutions
FinTech

Financials

LTM Revenue $961M

Last FY EBITDA n/a

EV

$3.0B

Valuation Multiples

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Oportun Financials

As of September 2025, Oportun reported last 12-month revenue of $961M.

In the same period, Oportun achieved $12.1M in LTM net income.

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Oportun P&L

In the most recent fiscal year, Oportun reported revenue of $295M.

Oportun expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$961M	XXX	$295M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBIT	$36.0M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	4%	XXX	n/a	XXX	XXX	XXX
Net Profit	$12.1M	XXX	-$78.7M	XXX	XXX	XXX
Net Margin	1%	XXX	-27%	XXX	XXX	XXX
Net Debt	XXX	XXX	$2.7B	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Oportun including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $961M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$961M	Analyst estimates available to subscribers	$295M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$36.0M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	3.7% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$12.1M	Analyst estimates available to subscribers	-$78.7M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	1.3% net profit margin	Analyst estimates available to subscribers	-26.7% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$2.7B	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Oportun

This financial data table provides comprehensive performance metrics for Oportun, a company based in United States of America. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Oportun generated $961M in revenue over the last twelve months.
Net income over the last twelve months reached $12.1M.

Fiscal Year Performance

In the most recent fiscal year, Oportun reported $295M in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached -26.7% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Oportun. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Oportun Stock Performance

Oportun has current market cap of $229M, and EV of $3.0B.

Market Cap Evolution

Oportun Stock Data

As of October 17, 2025, Oportun's stock price is $5.

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$3.0B	$229M	XXX	XXX	XXX	XXX	$1.18

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Oportun Valuation Multiples

Oportun's trades at 10.1x EV/Revenue multiple, and n/a EV/EBITDA.

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Oportun Financial Valuation Multiples

As of October 17, 2025, Oportun has market cap of $229M and EV of $3.0B.

Equity research analysts estimate Oportun's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Oportun has a P/E ratio of 18.9x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$229M	XXX	$229M	XXX	XXX	XXX
EV (current)	$3.0B	XXX	$3.0B	XXX	XXX	XXX
EV/Revenue	3.1x	XXX	10.1x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EV/EBIT	83.2x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	18.9x	XXX	-2.9x	XXX	XXX	XXX
EV/FCF	n/a	XXX	8.0x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Oportun Margins & Growth Rates

Oportun's last 12 month revenue growth is 4%

Oportun's revenue per employee in the last FY averaged $0.1M, while opex per employee averaged n/a for the same period.

Oportun's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Oportun's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Oportun Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	4%	XXX	85%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.1M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	n/a	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	23%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	n/a	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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