Oportun Financial Corporation cash flow to debt ratio of 14.71% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Oportun Financial Corporation's free cash flow has increased 3.94% from $374.33M last year to $389.08M, signaling increasing performance

Oportun Financial Corporation's debt to equity ratio is 6.54, which means that the company's assets are unhealthy financed, signaling financial risk.

Oportun Financial Corporation's debt has decreased relative to shareholder equity from 7.98 last year to 6.54 today, signaling strengthened financials

Oportun Financial Corporation has a net debt to EBITDA ratio of 31.65x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Oportun Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Oportun Financial Corporation's profit margin has increased (-119.27%) in the last year from -14.75% to 2.84%, signaling increasing performance

Oportun Financial Corporation's short-term assets of $105.50M exceed its short-term liabilities of $11.50M

Oportun Financial Corporation's return on assets of 0.62% is lower than the 5.00% threshold, indicating inefficient asset utilization

Oportun Financial Corporation's return on equity of 4.95%, is lower than 15.00%, indicating bad performance

Oportun Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Oportun Financial Corporation had positive net income in only 2 out of 5 years, indicating unstable earnings

Oportun Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Oportun Financial Corporation has a free cash flow yield of 109.51%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Oportun Financial Corporation's yearly earnings has increased -132.09% since last year from $-78.68M to $25.25M, signaling increasing performance

Oportun Financial Corporation's yearly revenue has decreased 36.38% since last year from $1.00B to $637.34M, signaling decreasing performance

ROIC 0.62% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Oportun Financial Corporation's 3-year revenue CAGR of -4.58% is negative, indicating declining revenue over the past 3 years

Oportun Financial Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Oportun Financial Corporation had positive ROE in only 2 out of 5 years, indicating inconsistent returns on equity

Oportun Financial Corporation is undervalued relative to its fair value price of 94.40 based on Discounted Cash Flow model

Oportun Financial Corporation has an earnings yield of 5.15%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Oportun Financial Corporation is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Oportun Financial Corporation has an EV/EBITDA ratio of 35.80x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Oportun Financial Corporation is overvalued relative to its fair value price of -26.45 based on Earnings Fair Value model

Oportun Financial Corporation had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

Oportun Financial Corporation has a price-to-book ratio of 0.93x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Oportun Financial Corporation has a price-to-sales ratio of 0.55x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue