Oportun Financial Corp. (OPRT) intrinsic value & 10-year financials
Oportun Financial Corp. (OPRT) has no Graham intrinsic value right now because the formula needs positive earnings. Over the last 10 fiscal years revenue shrank 30.6% a year to $19.5M, with an average return on invested capital of 8.1%.
- Graham intrinsic value
- —
- Share price (Oct 17, 2026)
- $9.08
- Market cap
- $434.6M
- Revenue (FY2025)
- $19.5M
- Revenue growth (10-yr CAGR)
- -30.6%
- ROIC (10-yr avg)
- 8.1%
- Free cash flow (FY2025)
- —
OPRT 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $19.5M | $25.2M | $0.53 | — | — | — |
| FY2024 | $22.7M | -$78.7M | -$1.95 | — | — | — |
| FY2023 | $25.6M | -$180.0M | -$4.88 | — | — | — |
| FY2022 | $31.2M | -$77.7M | -$2.37 | $241.9M | — | — |
| FY2021 | $813.0K | $47.4M | $1.56 | $151.2M | — | 8.1% |
| FY2020 | $583.7M | -$45.1M | -$1.65 | $148.0M | — | — |
| FY2019 | $600.1M | $61.6M | $0.40 | $209.5M | — | — |
| FY2018 | $497.6M | $123.4M | $1.49 | $123.8M | — | — |
| FY2017 | $361.0M | -$10.2M | -$1.41 | $130.6M | — | — |
| FY2016 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Oportun Financial Corp revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Oportun Financial Corp returns on capital have been average, hovering around 8.1% ROIC over the decade.
Oportun Financial Corp capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Oportun Financial Corp is modeled at -13.7% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $-8.67 per share.