Oportun FinancialFRA:4L0 -2.89%50 FCF Margin % is 102.45% as of Mar. 2026, which is 159% above its 10-year median of 39.62. GuruFocus rates FRA:4L0 with a GF Score™ of 50/100 and a GF Value™ of €3.52. The stock has 3 warning signs investors should review. Among 531 Credit Services companies, Oportun Financial ranks better than 90.4% on this metric.
The historical rank and industry rank for Oportun Financial's FCF Margin % or its related term are showing as below:
FRA:4L0'
s FCF Margin % Range Over the Past 10 Years
Min: 25.43 Med: 39.62 Max: 128.8
Current: 98.98
During the past 10 years, the highest FCF Margin % of Oportun Financial was 128.80%. The lowest was 25.43%. And the median was 39.62%.
FRA:4L0's FCF Margin % is ranked better than 90.4% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs FRA:4L0: 98.98
Oportun Financial FCF Margin % Related Terms
Oportun Financial FCF Margin % Historical Data
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The historical data trend for Oportun Financial's FCF Margin % 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.
FRA:4L0 vs MFIN, JFIN, LPRO: FCF Margin % Comparison
For the Credit Services subindustry, Oportun Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Oportun Financial's FCF Margin % falls into.
* 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 (FRA:4L0) has a FCF Margin % of 102.45% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Oportun Financial and its competitors. This is 159% above median its historical median of 39.62. Over the past decade, Oportun Financial's FCF Margin % has ranged from 25.43 to 128.80. According to the industry distribution chart, Oportun Financial ranks #51 out of 531 companies in the Credit Services industry, placing it in the top 9.6%.
Is Oportun Financial's FCF Margin % too high?
Oportun Financial's current FCF Margin % of 102.45% is 159% above median its 10-year median of 39.62. Over the past 10 years, this metric has ranged from a low of 25.43 to a high of 128.80. The Credit Services industry median FCF Margin % is 0.24. Oportun Financial's value of 102.45% is 42587.5% above this industry median. Based on the distribution chart, Oportun Financial ranks #51 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Oportun Financial has a GF Score™ of 50/100, reflecting its overall financial health beyond just this single metric.
How does Oportun Financial's FCF Margin % compare to MFIN and JFIN?
According to the Credit Services industry distribution chart, Oportun Financial ranks #51 out of 531 companies for FCF Margin %. This places Oportun Financial in the top 10% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.24. Oportun Financial's value of 102.45% is 42587.5% above this benchmark. Historically, Oportun Financial's own FCF Margin % has ranged from 25.43 to 128.80 over the past decade. While the company's 10-year median is 39.62 vs. the industry median of 0.24, Oportun Financial has consistently been above 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oportun Financial's current FCF Margin % of 102.45% is 42587.5% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current FCF Margin % is 102.45%, which is 159% above median its own 10-year median of 39.62. 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?
Oportun Financial (FRA:4L0) has a current FCF Margin % of 102.45%. The stock's GF Value™ is €3.52, compared to a current price of €4.70 — trading 33.5% above its estimated fair value. The current FCF Margin % is 102.45%, which is 159% above median its 10-year median of 39.62 and 42587.5% above the Credit Services industry median of 0.24. Oportun Financial's overall GF Score™ is 50/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Oportun Financial (FRA:4L0), the current FCF Margin % is 102.45% 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 (FRA:4L0) Overvalued in 2026?
Based on GuruFocus' analysis, Oportun Financial stock appears to be overvalued.
The current stock price of €4.70 is trading 33.5% above its estimated GF Value™ of €3.52.
Key valuation signals for FRA:4L0:
FCF Margin %: 102.45% (159% above median its 10-year median of 39.62)
GF Value™: €3.52 vs. price of €4.70 (33.5% above fair value)
Industry Position: 42587.5% above the Credit Services median (#51 of 531)
No single metric tells the full story. See the FRA:4L0 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.
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