Oportun Financial (Oportun Financial) GF Value Rank

: 4 (As of Today)

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Oportun Financial has the GF Value Rank of 4.

The GF Value Rank is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Competitive Comparison

For the Credit Services subindustry, Oportun Financial's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank Distribution

For the Credit Services industry and Financial Services sector, Oportun Financial's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Oportun Financial's GF Value Rank falls into.

Oportun Financial GF Value Rank Related Terms

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

Oportun Financial (Oportun Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Oportun Financial Corp (NAS:OPRT) » Definitions » GF Value Rank

Comparable Companies

Traded in Other Exchanges

4L0:Germany

Address

2 Circle Star Way, San Carlos, CA, USA, 94070

Website

https://www.oportun.com

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