Oportun FinancialOPRT +0.35%46 EV-to-FCF is 7.29 as of Jun. 28, 2026, which is 21% below its 10-year median of 9.19. GuruFocus rates OPRT with a GF Score™ of 46/100 and a GF Value™ of $4.29 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 265 Credit Services companies, Oportun Financial ranks better than 63.77% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Oportun Financial's Enterprise Value is $2,849.3 Mil.
Oportun Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $390.9 Mil. Therefore, Oportun Financial's EV-to-FCF for today is 7.29.
The historical rank and industry rank for Oportun Financial's EV-to-FCF or its related term are showing as below:
OPRT'
s EV-to-FCF Range Over the Past 10 Years
Min: 7.19 Med: 9.19 Max: 24.84
Current: 7.29
During the past 10 years, the highest EV-to-FCF of Oportun Financial was 24.84. The lowest was 7.19. And the median was 9.19.
OPRT's EV-to-FCF is ranked better than 63.77% of 265
companies
in the Credit Services industry
Industry Median: 13.02
vs OPRT: 7.29
EV-to-FCF 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-FCF 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 $5.73.
Oportun Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.370.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Oportun Financial EV-to-FCF Related Terms
Oportun Financial EV-to-FCF Historical Data
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The historical data trend for Oportun Financial's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Oportun Financial's EV-to-FCF falls into.
Oportun Financial's current Enterprise Value is $2,849.3 Mil.
Oportun Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $390.9 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-FCF of 7.29 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Oportun Financial and its competitors. This is 21% below median its historical median of 9.19. Over the past decade, Oportun Financial's EV-to-FCF has ranged from 7.19 to 24.84. According to the industry distribution chart, Oportun Financial ranks #96 out of 265 companies in the Credit Services industry, placing it in the top 36.2%.
Is Oportun Financial's EV-to-FCF too high?
Oportun Financial's current EV-to-FCF of 7.29 is 21% below median its 10-year median of 9.19. Over the past 10 years, this metric has ranged from a low of 7.19 to a high of 24.84. The Credit Services industry median EV-to-FCF is 13.02. Oportun Financial's value of 7.29 is 44% below this industry median. Based on the distribution chart, Oportun Financial ranks #96 out of 265 companies in the Credit Services industry, which is above the industry midpoint. 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 EV-to-FCF compare to MFIN and JFIN?
According to the Credit Services industry distribution chart, Oportun Financial ranks #96 out of 265 companies for EV-to-FCF. This puts Oportun Financial in the upper half of its industry. The industry median EV-to-FCF is 13.02. Oportun Financial's value of 7.29 is 44% below this benchmark. Historically, Oportun Financial's own EV-to-FCF has ranged from 7.19 to 24.84 over the past decade. While the company's 10-year median is 9.19 vs. the industry median of 13.02, Oportun Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.02, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oportun Financial's current EV-to-FCF of 7.29 is 44% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current EV-to-FCF is 7.29, which is 21% below median its own 10-year median of 9.19. 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 $4.29, compared to a current price of $5.73 — trading 33.6% above its estimated fair value. The current EV-to-FCF is 7.29, which is 21% below median its 10-year median of 9.19 and 44% below the Credit Services industry median of 13.02. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Oportun Financial (OPRT), the current EV-to-FCF is 7.29 as of Jun. 28, 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 $5.73 is trading 33.6% above its estimated GF Value™ of $4.29.
GuruFocus considers Oportun Financial to be Significantly Overvalued.
Key valuation signals for OPRT:
EV-to-FCF: 7.29 (21% below median its 10-year median of 9.19)
GF Value™: $4.29 vs. price of $5.73 (33.6% above fair value)
Industry Position: 44% below the Credit Services median (#96 of 265)
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.
46GF Score
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