Oportun Financial Corp (OPRT) Peer Comparison

$7.49

$0.01 (0.13%)

As on 28-Aug-2026 13:34EDT

Market cap

$345 Mln

Revenue (TTM)

$686 Mln

P/E Ratio

18.8

P/B Ratio

0.8

Div. Yield

0 %

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	Oportun Financial Corp (OPRT)	Ally Financial (ALLY)	FirstCash Holdings (FCFS)	OneMain Holdings (OMF)	Credit Acceptance (CACC)
Market cap ($ Mln)	345	12,865	9,771	7,098	6,287
Revenue ($ Mln)	686	15,841	4,120	6,418	2,324
Net Profit ($ Mln)	19.50	1,454.00	388.15	781.00	501.90
Net Margin (%)	2.84	9.18	9.42	12.17	21.60
RoE (%)	4.89	9.38	16.88	23.02	32.25
Price to Earnings	18.75	9.95	23.42	9.31	12.91
Price-To-Book	0.85	0.97	3.84	2.18	3.82

Income Statement
Liabilities
Assets
Cashflow
Ratios

Income Statement ($ Mln)

	Oportun Financial Corp (OPRT)	Ally Financial (ALLY)	FirstCash Holdings (FCFS)	OneMain Holdings (OMF)	Credit Acceptance (CACC)
Operating Revenue	686.03	15,841.00	4,120.34	6,418.00	2,323.70
Cost of Revenue	204.46	7,968.00	2,104.65	2,334.00	239.70
Gross Profit	405.84	6,318.00	1,891.51	2,973.00	2,288.20
Operating Expenses	441.55	6,037.00	1,351.92	2,428.00	1,075.10
Operating Profit (EBIT)	40.01	1,836.00	663.77	1,656.00	1,008.90
Other Income	0.00	0.00	0.00	0.00	0.00
Profit before Tax	40.01	1,836.00	527.40	1,004.00	649.50
Provision for Tax	20.51	382.00	139.25	223.00	147.60
Profit after Tax (Net Income)	19.50	1,454.00	388.15	781.00	501.90
Minority Interest	0.00	0.00	0.00	0.00	0.00
Consolidated Profit	0.00	671.00	0.00	403.00	0.00

Liabilities ($ Mln)

	Oportun Financial Corp (OPRT)	Ally Financial (ALLY)	FirstCash Holdings (FCFS)	OneMain Holdings (OMF)	Credit Acceptance (CACC)
Shareholder's Funds	407.10	15,491.00	2,321.79	3,383.00	1,588.90
Minority Interest	0.00	0.00	0.00	0.00	0.00
Non-Current Liabilities	2,722.20	17,295.00	2,750.66	24,040.00	6,635.40
Current Liabilities	12.00	167,228.00	413.12	1.00	398.30
Total Liabilities	3,257.90	196,002.00	5,300.76	27,388.00	9,598.50

Assets ($ Mln)

	Oportun Financial Corp (OPRT)	Ally Financial (ALLY)	FirstCash Holdings (FCFS)	OneMain Holdings (OMF)	Credit Acceptance (CACC)
Non-Current Assets	2,916.90	50,000.00	3,466.86	1,753.00	130.70
Current Assets	212.40	149,722.00	2,018.71	2,216.00	8,451.30
Total Assets	3,257.90	196,002.00	5,300.76	27,388.00	9,598.50
Total Debt*	2,662.30	22,969.00	2,703.02	22,769.00	6,286.20
Net Current Assets	0.00	0.00	0.00	0.00	8,070.10

Cashflow ($ Mln)

	Oportun Financial Corp (OPRT)	Ally Financial (ALLY)	FirstCash Holdings (FCFS)	OneMain Holdings (OMF)	Credit Acceptance (CACC)
Cash From Operating Activities	413.40	3,628.00	585.94	3,130.00	1,054.60
Cash Flow from Investing Activities	-369.70	-5,163.00	-828.05	-3,161.00	-674.30
Cash from Financing Activities	-59.40	1,956.00	176.41	520.00	-724.60
Net Cash Inflow / Outflow	--	--	--	--	--

Ratios

Profitability Ratios

	Oportun Financial Corp (OPRT)	Ally Financial (ALLY)	FirstCash Holdings (FCFS)	OneMain Holdings (OMF)	Credit Acceptance (CACC)
ROCE (%)	0.79	2.42	7.18	3.09	5.31
ROE (%)	4.89	9.38	16.88	23.02	32.25
ROA (%)	0.59	0.51	6.29	2.68	5.51
EBIT Margin (%)	5.83	8.20	16.24	25.74	41.88
Net Margin (%)	2.84	9.18	9.42	12.17	21.60
Cash Profit Margin (%)	0.00	0.00	0.00	0.00	0.00

Growth Ratios

	Oportun Financial Corp (OPRT)	Ally Financial (ALLY)	FirstCash Holdings (FCFS)	OneMain Holdings (OMF)	Credit Acceptance (CACC)
Revenue Growth (%)	11.95	2.04	21.61	6.97	3.77
EBIT Growth (%)	425.65	131.96	35.05	92.09	84.58
Net Profit Growth (%)	526.37	145.61	33.03	17.80	18.26
EPS Growth (%)	303.03	145.37	34.70	19.90	31.09
Book Value Growth (%)	5.94	6.97	10.26	4.88	12.07

Valuation Ratios

	Oportun Financial Corp (OPRT)	Ally Financial (ALLY)	FirstCash Holdings (FCFS)	OneMain Holdings (OMF)	Credit Acceptance (CACC)
Price / Earnings	10.09	16.71	21.37	10.21	11.62
Price / Book Value	0.65	0.92	3.10	2.35	3.23
Dividend Yield (%)	--	--	--	--	--
EV/EBITDA	34.63	2.74	9.75	22.79	10.18
Market Cap ($ Cr)	--	--	--	--	--

Solvency Ratios

	Oportun Financial Corp (OPRT)	Ally Financial (ALLY)	FirstCash Holdings (FCFS)	OneMain Holdings (OMF)	Credit Acceptance (CACC)
Debt to Equity	6.51	1.10	0.00	6.73	3.96
Short term debt to equity ratio	0.03	0.38	0.05	0.00	0.00
Current Ratio	17.70	0.90	4.89	2,216.00	21.22
Quick Ratio	17.70	0.90	3.51	2,216.00	21.22
Interest Coverage	1.20	1.30	4.83	1.78	2.97

Operating Efficiency Ratios

	Oportun Financial Corp (OPRT)	Ally Financial (ALLY)	FirstCash Holdings (FCFS)	OneMain Holdings (OMF)	Credit Acceptance (CACC)
Debtors to sales (%)	0.00	890.39	24.72	0.00	342.52
Asset Turnover	0.21	0.06	0.67	0.22	0.26
Receivable days	4.81	2,074.31	91.60	1,207.54	5.63
Inventory Days	--	--	84.82	--	--
Payable days	27.65	4,789.18	5.95	--	4,508.95
Cash Conversion Cycle	--	--	170.47	--	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Annual
Quarterly