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Oportun FinancialOPRT -1.05%53 EV-to-OCF is 6.81 as of Aug. 12, 2026, which is 14% below its 10-year median of 7.96. GuruFocus rates OPRT with a GF Score™ of 53/100 and a GF Value™ of $4.60 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 544 Credit Services companies, Oportun Financial ranks worse than 67.65% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Oportun Financial's Enterprise Value is $2,868.5 Mil.
Oportun Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $420.9 Mil. Therefore, Oportun Financial's EV-to-OCF for today is 6.81.
The historical rank and industry rank for Oportun Financial's EV-to-OCF or its related term are showing as below:
OPRT'
s EV-to-OCF Range Over the Past 10 Years
Min: 6.64 Med: 7.96 Max: 20.56
Current: 6.81
During the past 10 years, the highest EV-to-OCF of Oportun Financial was 20.56. The lowest was 6.64. And the median was 7.96.
OPRT's EV-to-OCF is ranked worse than 67.65% of 544
companies
in the Credit Services industry
Industry Median: -0.865
vs OPRT: 6.81
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Oportun Financial's PE Ratio (TTM) for today is calculated as:
Oportun Financial's share price for today is $7.52.
Oportun Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.400.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Oportun Financial EV-to-OCF Related Terms
Oportun Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Oportun Financial's EV-to-OCF 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.
For the Credit Services subindustry, Oportun Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Oportun Financial's EV-to-OCF falls into.
Oportun Financial's current Enterprise Value is $2,868.5 Mil.
Oportun Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $420.9 Mil.
* 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 (OPRT) has a EV-to-OCF of 6.81 as of Aug. 12, 2026. This is 14% below median its historical median of 7.96. Over the past decade, Oportun Financial's EV-to-OCF has ranged from 6.64 to 20.56. According to the industry distribution chart, Oportun Financial ranks #368 out of 544 companies in the Credit Services industry, placing it in the top 67.6%.
Is Oportun Financial's EV-to-OCF too high?
Oportun Financial's current EV-to-OCF of 6.81 is 14% below median its 10-year median of 7.96. Over the past 10 years, this metric has ranged from a low of 6.64 to a high of 20.56. Based on the distribution chart, Oportun Financial ranks #368 out of 544 companies in the Credit Services industry, which is below the industry midpoint. Overall, Oportun Financial has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oportun Financial's EV-to-OCF compare to TROO and LX?
According to the Credit Services industry distribution chart, Oportun Financial ranks #368 out of 544 companies for EV-to-OCF. This places Oportun Financial in the lower half of its industry. Historically, Oportun Financial's own EV-to-OCF has ranged from 6.64 to 20.56 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Oportun Financial's current EV-to-OCF is 6.81, which is 14% below median its own 10-year median of 7.96. 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 $4.60, compared to a current price of $7.52 — trading 63.5% above its estimated fair value. The current EV-to-OCF is 6.81, which is 14% below median its 10-year median of 7.96. Oportun Financial's overall GF Score™ is 53/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Oportun Financial (OPRT), the current EV-to-OCF is 6.81 as of Aug. 12, 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 $7.52 is trading 63.5% above its estimated GF Value™ of $4.60.
GuruFocus considers Oportun Financial to be Significantly Overvalued.
Key valuation signals for OPRT:
EV-to-OCF: 6.81 (14% below median its 10-year median of 7.96)
GF Value™: $4.60 vs. price of $7.52 (63.5% above fair value)
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 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.
53GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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