OPRT (Oportun Financial) Cyclically Adjusted Revenue per Share: $19.42 (As of Mar. 2026)


OPRT Oportun Financial Corp OPRT
46 GF Score
Price $5.90
GF Value $4.28
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Oportun Financial Cyclically Adjusted Revenue per Share?

Oportun Financial OPRT -0.17% 46 Cyclically Adjusted Revenue per Share is $19.42 as of Mar. 2026. GuruFocus rates OPRT with a GF Score™ of 46/100 and a GF Value™ of $4.28 (Significantly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Oportun Financial's adjusted revenue per share data for the fiscal year that ended in Dec. 2025 was $8.480. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $19.42 for the trailing ten years ended in Dec. 2025.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

As of today (2026-07-04), Oportun Financial's current stock price is $ 5.90. Oportun Financial's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec. 2025 was $19.42. Oportun Financial's Cyclically Adjusted PS Ratio of today is 0.30.

During the past 10 years, the highest Cyclically Adjusted PS Ratio of Oportun Financial was 0.30. The lowest was 0.22. And the median was 0.27.


Oportun Financial  (NAS:OPRT) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Oportun Financial's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=5.90/19.42
=0.30

* 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.

During the past 10 years, the highest Cyclically Adjusted PS Ratio of Oportun Financial was 0.30. The lowest was 0.22. And the median was 0.27.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Oportun Financial Cyclically Adjusted Revenue per Share Related Terms


Oportun Financial Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Oportun Financial's Cyclically Adjusted Revenue per Share 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.

Oportun Financial Cyclically Adjusted Revenue per Share Chart

Oportun Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 19.42

Oportun Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share 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 0.00 0.00 0.00 19.42 0.00

OPRT vs MFIN, PMTS, TROO: Cyclically Adjusted Revenue per Share Comparison

For the Credit Services subindustry, Oportun Financial's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 Cyclically Adjusted PS Ratio vs Credit Services Industry

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

* The bar in red indicates where Oportun Financial's Cyclically Adjusted PS Ratio falls into.


OPRT
46GF Score
Oportun Financial Corp OPRT
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Oportun Financial Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Oportun Financial's adjusted Revenue per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_RevenuePerShare=Revenue per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=8.48/324.0540*324.0540
=8.480

Current CPI (Dec. 2025) = 324.0540.

Oportun Financial Annual Data

Revenue per Share CPI Adj_RevenuePerShare
201612 10.763 241.432 14.446
201712 14.711 246.524 19.338
201812 21.465 251.233 27.687
201912 41.104 256.974 51.834
202012 12.258 260.474 15.250
202112 17.494 278.802 20.333
202212 19.517 296.797 21.309
202312 7.611 306.746 8.040
202412 7.315 315.605 7.511
202512 8.480 324.054 8.480

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $19.42 mean?
Oportun Financial (OPRT) has a Cyclically Adjusted Revenue per Share of $19.42 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Oportun Financial and its competitors.
Is Oportun Financial's Cyclically Adjusted Revenue per Share too high?
Oportun Financial's current Cyclically Adjusted Revenue per Share is $19.42. Overall, Oportun Financial has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oportun Financial's Cyclically Adjusted Revenue per Share compare to MFIN and PMTS?
Oportun Financial's Cyclically Adjusted Revenue per Share of $19.42 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Credit Services company?
A good Cyclically Adjusted Revenue per Share depends on the Credit Services industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Oportun Financial and its competitors. Oportun Financial's current Cyclically Adjusted Revenue per Share is $19.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oportun Financial stock overvalued right now?
Based on GuruFocus' analysis, Oportun Financial (OPRT) is currently considered Significantly Overvalued. The stock's GF Value™ is $4.28, compared to a current price of $5.90 — trading 37.9% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $19.42. Oportun Financial's overall GF Score™ is 46/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Oportun Financial (OPRT), the current Cyclically Adjusted Revenue per Share is $19.42 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Oportun Financial (OPRT) Overvalued in 2026?

Based on GuruFocus' analysis, Oportun Financial stock appears to be overvalued. The current stock price of $5.90 is trading 37.9% above its estimated GF Value™ of $4.28. GuruFocus considers Oportun Financial to be Significantly Overvalued.

Key valuation signals for OPRT:

  • Cyclically Adjusted Revenue per Share: $19.42
  • GF Value™: $4.28 vs. price of $5.90 (37.9% above fair value)
  • GF Score™: 46/100 with 3 warning signs

No single metric tells the full story. See the OPRT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Oportun Financial Business Description

Address 1825 South Grant Street, Suite 850, San Mateo, CA, USA, 94402
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, Auto Loans, unsecured personal loans, and secured personal loans, and provides deposit accounts, debit card services, and other transaction services to its customers. Its product offerings include small-dollar, unsecured installment loans and other products and services.
46GF Score

Get the complete analysis for OPRT

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.90
Price
$4.28
GF Value