Oportun Financial Corporation

NASDAQ•OPRT

CEO: Mr. Raul Vazquez

セクター: Financial Services

業種: Financial - Credit Services

上場日: 2019-09-26

Oportun Financial Corporation provides financial services. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Carlos, California.

連絡先情報

2 Circle Star Way, San Carlos, CA, 94070, United States

650-810-8823

www.oportun.com

時価総額

$202.03M

PER (TTM)

8.7

19.9

配当利回り

52週高値

$7.97

52週安値

$4.05

52週レンジ

13%

順位55Top 80.0%

2.6

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 2.6 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$148.35M+0.00%

直近4四半期の推移

EPS

$0.07+0.00%

直近4四半期の推移

フリーCF

$102.66M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Profitability Rebounds Strongly Net income reached $25.2M in 2025, reversing the $78.7M net loss reported in the prior fiscal year.

Aggregate Loan Originations Grow Total originations rose 10.2% to $1.96B, driven by returning members and SPL expansion across eight new states.

Credit Quality Stable Performance Annualized Net Charge-Off Rate held steady at 12.0% for 2025, matching 2024 levels despite increased loan volume.

Non-Interest Income Declines Total revenue fell 4.5% to $956.7M; non-interest income dropped 16.8% following the credit card portfolio sale.

リスク要因

Macroeconomic Deterioration Risk Adverse economic conditions, inflation, and interest rate changes could increase delinquencies and negatively affect loan portfolio value.

Pathward Partnership Dependency Significant reliance on Pathward for loan origination (98% in 2025); termination or limitation severely impacts operations.

Fair Value Estimation Subjectivity Fair value of Level 3 loans requires significant management judgment on unobservable inputs, risking material adverse impact.

Intense Competitive Landscape Competition from fintechs and neobanks requires continuous, costly investment in technology and A.I. to maintain market position.

見通し

Strategic Focus on Credit Outcomes Strategic priorities target annualized net charge-off rate between 9% and 11% while fortifying business economics.

Expanding Secured Loan Footprint Plans include expanding Secured Personal Loans (SPL) coverage to approximately 33 additional states via Pathward partnership.

Operating Expense Management Management anticipates total operating expenses for 2026 will be substantially flat compared to the $361.8M spent in 2025.

Continued A.I. Investment Company plans significant investment in A.I. capabilities to expand functionality and efficiency across member lifecycle strategies.

同業比較

売上高 (TTM)

FOA

$2.14B

+10.0%

YRD

$864.82M

+10.8%

JRVR

$687.61M

-2.8%

粗利益率 (最新四半期)

JRVR

328.6%

-52.1pp

CPSS

100.0%

-5.1pp

MFIN

96.9%

+5.4pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
PKBK	$323.31M	8.5	12.0%	6.4%
YRD	$309.49M	1.7	12.7%	0.3%
JRVR	$300.63M	6.3	7.4%	13.0%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

-3.1%

横ばい

4四半期純利益CAGR

-29.7%

収益性の低下

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年5月6日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし