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Oportun Financial (Oportun Financial) PB Ratio : 0.31 (As of May. 09, 2024)


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What is Oportun Financial PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-05-09), Oportun Financial's share price is $3.64. Oportun Financial's Book Value per Share for the quarter that ended in Dec. 2023 was $11.73. Hence, Oportun Financial's PB Ratio of today is 0.31.

The historical rank and industry rank for Oportun Financial's PB Ratio or its related term are showing as below:

OPRT' s PB Ratio Range Over the Past 10 Years
Min: 0.17   Med: 0.69   Max: 1.54
Current: 0.31

During the past 8 years, Oportun Financial's highest PB Ratio was 1.54. The lowest was 0.17. And the median was 0.69.

OPRT's PB Ratio is ranked better than
90.29% of 515 companies
in the Credit Services industry
Industry Median: 1.03 vs OPRT: 0.31

During the past 12 months, Oportun Financial's average Book Value Per Share Growth Rate was -28.50% per year. During the past 3 years, the average Book Value Per Share Growth Rate was -11.40% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 15.90% per year.

During the past 8 years, the highest 3-Year average Book Value Per Share Growth Rate of Oportun Financial was 67.50% per year. The lowest was -11.40% per year. And the median was -3.20% per year.

Back to Basics: PB Ratio


Oportun Financial PB Ratio Historical Data

The historical data trend for Oportun Financial's PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Oportun Financial PB Ratio Chart

Oportun Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio
Get a 7-Day Free Trial 1.31 1.15 1.07 0.34 0.33

Oportun Financial Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.34 0.29 0.44 0.56 0.33

Competitive Comparison of Oportun Financial's PB Ratio

For the Credit Services subindustry, Oportun Financial's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Oportun Financial's PB Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Oportun Financial's PB Ratio distribution charts can be found below:

* The bar in red indicates where Oportun Financial's PB Ratio falls into.



Oportun Financial PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Oportun Financial's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2023)
=3.64/11.732
=0.31

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


Oportun Financial  (NAS:OPRT) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Oportun Financial PB Ratio Related Terms

Thank you for viewing the detailed overview of Oportun Financial's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Oportun Financial (Oportun Financial) Business Description

Traded in Other Exchanges
Address
2 Circle Star Way, San Carlos, CA, USA, 94070
Oportun Financial Corp is engaged in providing financial services to people who either do not have a credit score or who may have a limited credit history. The company offers Personal Loans and Auto Loans to its customers. Its product offerings include small-dollar, unsecured installment loans and other products and services.
Executives
Jules A. Maltz 10 percent owner 3000 SAND HILL ROAD, BUILDING 2, SUITE 250, MENLO PARK CA 94025
Institutional Venture Management Xiv, Llc 10 percent owner 3000 SAND HILL ROAD, BUILDING 2, SUITE 250, MENLO PARK CA 94025
Kathleen I. Layton officer: Chief Legal Officer 2 CIRCLE STAR WAY, SAN CARLOS CA 94070
Jonathan Aaron Coblentz officer: CFO & Chief Admin Officer 23 WEST 73RD STREET, APT 914, NEW YORK NY 10023
Raul Vazquez director, officer: Chief Executive Officer 500 STAPLES DR., FRAMINGHAM MA 01702
Aida Alvarez director 5995 PLAZA DRIVE MAIL ST CY20-103, CYPRESS CA 90630
Casey Mueller officer: Global Controller and PAO 2 CIRCLE STAR WAY, SAN CARLOS CA 94070
Patrick Kirscht officer: Chief Credit Officer 2 CIRCLE STAR WAY, SAN CARLOS CA 94070
Ginny Lee director 2 CIRCLE STAR WAY, SAN CARLOS CA 94070
Sandra Adele Smith director 2 CIRCLE STAR WAY, SAN CARLOS CA 94070
Frederic Welts director GOLDEN STATE WARRIORS, 1011 BROADWAY, OAKLAND CA 94607
Roy Banks director 6129 WEST 9600 NORTH, HIGHLAND UT 84003
Greylock Xii Gp Llc 10 percent owner 2550 SAND HILL ROAD, SUITE 200, MENLO PARK CA 94025
David Anthony Needham officer: Chief Technology Officer 2 CIRCLE STAR WAY, SAN CARLOS CA 94070
Joan Aristei officer: GC & Chief Compliance Officer 2 CIRCLE STAR WAY, SAN CARLOS CA 94070