Oportun Financial Corp (OPRT)
Finance Services · Financial Services · $238M
Intrinsic Value (Consensus)
$8.62
Current Price
$5.21
Margin of Safety
+65.5%
65.5% Below Intrinsic Value
Value: $9
Price: $5
Valuation Model Estimates
Current Price: $5.21
DCF (Discounted Cash Flow)
$140.57
Graham Number
$10.10
Earnings Power Value
$5.15
Relative Value (P/E)
$10.60
Dividend Discount Model
Not applicable
—
Consensus Value
$8.62
Model Assumptions
Discount Rate
10.3%
Growth Rate
5.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
60
Profitability
15/25
Strength
19/25
Valuation
22/25
Growth
4/25
Financial Health Signals
Declining revenue — top line is shrinking
High free cash flow yield (171.5%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $0.53
- EPS (Forward)
- $0.56
- Book Value
- $8.55
- P/E Ratio
- 20.0
- Forward P/E
- 19.0
- PEG Ratio
- —
- ROE
- 6.5%
- Debt/Equity
- 62%
- Revenue Growth
- -14.1%
- Earnings Growth
- 5.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance