logo
logo
Oportun Financial Corporation

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
$217.11M
PER (TTM)
7.5
25.1
配当利回り
--
52週高値
$9.25
52週安値
$4.05
52週レンジ
17%
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

Q3 2025 データ

売上高

$161.67M+36.59%
直近4四半期の推移

EPS

$0.11-114.67%
直近4四半期の推移

フリーCF

$92.92M-10.38%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Nine-Month Profitability Turnaround Net income swung to $21.8M for nine months ended September 30, 2025, from an $87.4M loss in 2024, driven by favorable fair value adjustments.
Credit Quality Stabilization 30+ Day Delinquency Rate improved to 4.7% (from 5.2% in 2024), reflecting success from tightened underwriting standards implemented in 2022/2023.
Operating Expense Reduction Total operating expenses decreased 13.4% to $277.9M for the nine months, led by significant cuts in G&A (down 40.9%) and Technology/Facilities.
Balance Sheet Deleveraging Significant debt reduction achieved; Secured Financing and Asset-backed notes at fair value decreased substantially compared to December 31, 2024 balances.

リスク要因

High Net Charge-Off Rate Annualized Net Charge-Off Rate remains elevated at 12.0% for the nine-month period, indicating continued pressure on asset quality.
Reliance on Pathward Partnership The business heavily relies on Pathward for 99% of personal loan originations; termination or changes could materially and adversely affect operations.
Fair Value Estimation Uncertainty Fair value option requires significant judgment for loans (87% of assets), making earnings sensitive to changes in discount rates and cumulative charge-offs.
Funding Structure Volatility Future growth depends on accessing capital markets via securitizations and warehouse facilities, which are subject to market volatility and covenant compliance.

見通し

Continued Funding Diversification Plans include maintaining a diversified funding strategy, supported by recent actions like the $441.2M 2025-D Securitization and new PLW IV facility.
Expense Optimization Focus Anticipate further operating expense decreases in 2025 driven by workforce optimization and reduced non-essential vendor spending.
Credit Tightening Benefits Expect continued improvement in credit performance as newer, tighter underwriting vintages become a larger portion of the owned portfolio.
Pathward Partnership Evolution The Pathward agreement was amended, simplifying structure and setting February 2026 as the date Pathward ceases retaining Company loans.

同業比較

売上高 (TTM)

Finance of America Companies Inc.FOA
$1.46B
-24.6%
Yiren Digital Ltd.YRD
$864.82M
+10.8%
Oportun Financial CorporationOPRT
$656.08M
+33.8%

粗利益率 (最新四半期)

Yiren Digital Ltd.YRD
90.4%
+4.3pp
Open Lending CorporationLPRO
78.0%
+4.1pp
Fidelity D & D Bancorp, Inc.FDBC
66.7%
+0.0pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
PKBK$337.17M8.812.0%6.4%
JRVR$310.27M-6.3-8.0%6.7%
ISTR$289.92M12.78.3%5.4%

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
-1.1%
横ばい
4四半期純利益CAGR
-15.9%
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:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月5日|
    売上高: $161.67M+36.6%
    |
    EPS: $0.11-114.7%
    予想を下回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月7日|
    売上高: $164.09M+43.6%
    |
    EPS: $0.15-119.2%
    予想を下回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月9日|
    売上高: $163.23M+22.1%
    |
    EPS: $0.21-130.9%
    予想通り

  • Form 10-K/A - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年4月30日|
    売上高: $533.36M+15.9%
    |
    EPS: $-1.95+60.0%
    予想を下回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月20日|修正版データを参照

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月12日|
    売上高: $118.37M-10.4%
    |
    EPS: $-0.75+36.4%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月9日|
    売上高: $114.28M-28.6%
    |
    EPS: $-0.78+90.2%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月10日|
    売上高: $133.63M+205.1%
    |
    EPS: $-0.68-77.3%
    予想を下回る