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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.
2011
2.4K+
LTM Revenue $991M
LTM EBITDA n/a
$3.0B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Oportun has a last 12-month revenue of $991M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Oportun achieved revenue of $295M and an EBITDA of n/a.
Oportun expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Oportun valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $281M | $295M | XXX | XXX | XXX |
| Gross Profit | n/a | n/a | XXX | XXX | XXX |
| Gross Margin | NaN% | NaN% | XXX | XXX | XXX |
| EBITDA | n/a | n/a | XXX | XXX | XXX |
| EBITDA Margin | NaN% | NaN% | XXX | XXX | XXX |
| Net Profit | -$77.7M | -$180M | XXX | XXX | XXX |
| Net Margin | -28% | -61% | XXX | XXX | XXX |
| Net Debt | $2.8B | $2.8B | XXX | XXX | XXX |
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As of April 15, 2025, Oportun's stock price is $4.
Oportun has current market cap of $150M, and EV of $3.0B.
See Oportun trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $3.0B | $150M | XXX | XXX | XXX | XXX | $0.84 |
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Sign UpAs of April 15, 2025, Oportun has market cap of $150M and EV of $3.0B.
Oportun's trades at 3.0x LTM EV/Revenue multiple, and n/a LTM EBITDA.
Analysts estimate Oportun's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for Oportun and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $3.0B | XXX | XXX | XXX |
| EV/Revenue | 10.1x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | XXX | XXX |
| P/E | -1.9x | XXX | XXX | XXX |
| P/E/Growth | n/a | XXX | XXX | XXX |
| EV/FCF | 7.9x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpOportun's NTM/LTM revenue growth is 0%
Oportun's revenue per employee for the last fiscal year averaged $0.1M, while opex per employee averaged n/a for the same period.
Over next 12 months, Oportun's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate Oportun's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for Oportun and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 5% | XXX | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | n/a | XXX | XXX | XXX | XXX |
| Revenue per Employee | $0.1M | XXX | XXX | XXX | XXX |
| Opex per Employee | n/a | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 23% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 48% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | n/a | XXX | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| MoneyMe | XXX | XXX | XXX | XXX | XXX | XXX |
| Plenti Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Pepper Money | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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Oportun acquired XXX companies to date.
Last acquisition by Oportun was XXXXXXXX, XXXXX XXXXX XXXXXX . Oportun acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Sign Up| When was Oportun founded? | Oportun was founded in 2011. |
| Where is Oportun headquartered? | Oportun is headquartered in United States of America. |
| How many employees does Oportun have? | As of today, Oportun has 2.4K+ employees. |
| Who is the CEO of Oportun? | Oportun's CEO is Mr. Raul Vazquez. |
| Is Oportun publicy listed? | Yes, Oportun is a public company listed on NAS. |
| What is the stock symbol of Oportun? | Oportun trades under OPRT ticker. |
| When did Oportun go public? | Oportun went public in 2019. |
| Who are competitors of Oportun? | Similar companies to Oportun include e.g. Credit Clear, Humm Group, MoneyMe, Plenti Group. |
| What is the current market cap of Oportun? | Oportun's current market cap is $150M |
| What is the current revenue of Oportun? | Oportun's last 12-month revenue is $991M. |
| What is the current EV/Revenue multiple of Oportun? | Current revenue multiple of Oportun is 3.0x. |
| What is the current revenue growth of Oportun? | Oportun revenue growth between 2023 and 2024 was 5%. |
| Is Oportun profitable? | Yes, Oportun is EBITDA-positive (as of the last 12 months). |
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