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Company Overview With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers its members with the confidence to build a better financial future. We design our products to holistically address two of the most fundamental challenges to financial health and resilience - access to responsible and affordable credit, and adequate savings.
Net margin is thin at 6.22%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 37.5% YoY.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$395M
▲ +37.5% YoY
Net Income (TTM)
$18M
▲ +132.1% YoY
Net Margin
4.51%
P/E
—
Balance Sheet
Total Assets
$3.17B
Equity
$396M
Total Debt
$209M
Cash & Equiv.
$130M
5Y CAGR: +3.9%
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