Oportun Financial Corp (OPRT)

Sector:
FINANCE
Industry:
BANKS
SIC:
FINANCE SERVICES
CEO:
Raul Vazquez
Employees:
2,730
2 CIRCLE STAR WAY SAN CARLOS CA 94070
(650) 810-8823

Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates in 24 states in the United States.

Data derived from most recent annual or quarterly report
Market Cap 140.239 Million Shares Outstanding33.193 Million Avg 30-day Volume 985.811 Thousand
P/E Ratio12.9507 Dividend Yield0.0 EPS-3.21
Price to Revenue1.1575 Debt to Equity3.5763 EBITDA74.067 Million
Price to Book Value1.0168 Operating Margin0.0 Enterprise Value2.581 Billion
Current Ratio EPS Growth1.945 Quick Ratio
1 Yr BETA 1.6062 52-week High/Low 14.91 / 2.19 Profit Margin8.9379
Operating Cash Flow Growth6.9197 Altman Z-Score Free Cash Flow to Firm -835.832 Million
Earnings Report2023-05-08
View SEC Filings from OPRT instead.

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Funds Holding OPRT (via 13F filings)

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Recent Filings

Financial Reporting

Ownership

  • 4: filed on 2023-03-20 by COBLENTZ JONATHAN AARON
  • 4: filed on 2023-03-14 by VAZQUEZ RAUL
  • 4: filed on 2023-03-14 by MUELLER CASEY
  • 4: filed on 2023-03-14 by KIRSCHT PATRICK
  • 4: filed on 2023-03-14 by JENKINS MATTHEW WAYNE
  • 4: filed on 2023-03-14 by COBLENTZ JONATHAN AARON
  • 4: filed on 2023-03-14 by ARISTEI JOAN
  • 4: filed on 2023-03-07 by VAZQUEZ RAUL
  • 4: filed on 2023-03-07 by KIRSCHT PATRICK
  • 4: filed on 2023-03-07 by COBLENTZ JONATHAN AARON

    • Events (8k)

  • 8-K: filed on 2023-03-28:
    Item 8.01: Other Events
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2023-03-13:
    Item 1.01: Entry into a Material Definitive Agreement
    Item 2.02: Results of Operations and Financial Condition
    Item 2.03: Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
    Item 3.02: Unregistered Sales of Equity Securities
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2023-02-09:
    Item 2.02: Results of Operations and Financial Condition
    Item 2.05: Cost Associated with Exit or Disposal Activities
  • 8-K/A: filed on 2022-12-09:
    Item 5.03: Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-11-23:
    Item 5.03: Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-11-07:
    Item 2.02: Results of Operations and Financial Condition
    Item 5.02: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-11-03:
    Item 1.01: Entry into a Material Definitive Agreement
    Item 2.03: Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-09-15:
    Item 1.01: Entry into a Material Definitive Agreement
    Item 2.03: Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
    Item 7.01: Regulation FD Disclosure
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-08-08:
    Item 2.02: Results of Operations and Financial Condition
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-08-02:
    Item 1.01: Entry into a Material Definitive Agreement
    Item 2.03: Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

    • Proposed Sales (Form 144)

    Proxy

    Prospectus

    All

    Open Market Buys/Sells Last 60 Days

    Open Market Buys (P)

    100 Thousand total shares from 3 transactions

    Open Market Sells (S)

    none

    Exercise Derivative Conversion (M)

    96.1 Thousand total shares from 10 transactions

    Current/Former Insiders

    Insider Name Type Last Reported Shares Held Last Reported Date Filings in past year

    COBLENTZ JONATHAN AARON CFO & CHIEF ADMIN OFFICER

    • Officer
    		 574,658 2023-03-16 7

    VAZQUEZ RAUL CHIEF EXECUTIVE OFFICER

    • Officer
    • Director
    		 1,193,536 2023-03-10 5

    KIRSCHT PATRICK CHIEF CREDIT OFFICER

    • Officer
    		 242,576 2023-03-10 5

    ARISTEI JOAN GC & CHIEF RISK OFFICER

    • Officer
    		 116,447 2023-03-10 4

    JENKINS MATTHEW WAYNE COO & GM, PERSONAL-AUTO LOANS

    • Officer
    		 169,436 2023-03-10 4

    MUELLER CASEY GLOBAL CONTROLLER AND PAO

    • Officer
    		 173,367 2023-03-10 3

    STROHM DAVID N

    • Director
    		 318,645 2022-12-31 5

    PASCARELLA CARL

    • Director
    		 182,107 2022-12-31 5

    WILLIAMS R NEIL

    • Director
    		 49,682 2022-12-31 5

    WELTS FREDERIC

    • Director
    		 25,822 2022-12-31 5

    LEE GINNY

    • Director
    		 25,012 2022-12-31 5

    ALVAREZ AIDA

    • Director
    		 31,425 2022-06-14 2

    BANKS ROY

    • Director
    		 16,522 2022-06-14 1

    MIRAMONTES LOUIS

    • Director
    		 26,068 2022-06-14 1

    BAREFOOT JO ANN

    • Director
    		 31,425 2022-06-14 1

    SMITH SANDRA ADELE

    • Director
    		 16,522 2022-06-14 1

    NEEDHAM DAVID ANTHONY CHIEF PRODUCT OFFICER

    • Officer
    		 166,616 2022-03-10 0

    GREYLOCK XII GP LLC

    GREYLOCK XII LIMITED PARTNERSHIP

    GREYLOCK XII-A LIMITED PARTNERSHIP

    • 10% Owner
    		 2,618,708 2021-03-03 0

    INSTITUTIONAL VENTURE MANAGEMENT XIV, LLC

    INSTITUTIONAL VENTURE PARTNERS XIV, L.P.

    FOGELSONG NORMAN A

    HARRICK STEPHEN J

    PHELPS DENNIS B

    CHAFFEE TODD C

    MILLER J SANFORD

    • 10% Owner
    		 3,848,691 2019-09-30 0

    MADRONE PARTNERS, L.P.

    MADRONE CAPITAL PARTNERS, LLC

    • 10% Owner
    		 2,109,410 2019-09-30 0

    Insider Transactions Last 60 Days

    Reporting Owners Filing Date Trans Date Trans Code Shares Share Price Acquired
    Disposed    		 Shares Owned after D/I 10b5 Perf 1d* Perf 5d* Perf 1m* Max Gain Max Gain Days Max Loss Max Loss Days

    COBLENTZ JONATHAN AARON - Officer CFO & CHIEF ADMIN OFFICER

    		2023-03-20 17:36:36 -0400 2023-03-20 P 40,000 $3.62 a 195,939 direct -6.25 2.0833 2.0833 6 -6.25 2

    COBLENTZ JONATHAN AARON - Officer CFO & CHIEF ADMIN OFFICER

    		2023-03-20 17:36:36 -0400 2023-03-17 P 50,000 $3.10 a 155,939 direct -6.25 2.0833 2.0833 6 -6.25 2

    COBLENTZ JONATHAN AARON - Officer CFO & CHIEF ADMIN OFFICER

    		2023-03-20 17:36:36 -0400 2023-03-16 P 10,000 $2.63 a 105,939 direct -6.25 2.0833 2.0833 6 -6.25 2

    COBLENTZ JONATHAN AARON - Officer CFO & CHIEF ADMIN OFFICER

    		2023-03-14 17:38:54 -0400 2023-03-10 M 7,895 d 7,895 direct

    COBLENTZ JONATHAN AARON - Officer CFO & CHIEF ADMIN OFFICER

    		2023-03-14 17:38:54 -0400 2023-03-10 M 7,895 a 105,803 direct 15.9184 46.9388 56.7347 5 0.0 1

    JENKINS MATTHEW WAYNE - Officer COO & GM, PERSONAL-AUTO LOANS

    		2023-03-14 17:44:43 -0400 2023-03-10 F 887 $4.32 d 173,151 direct 15.9184 46.9388 56.7347 5 0.0 1

    JENKINS MATTHEW WAYNE - Officer COO & GM, PERSONAL-AUTO LOANS

    		2023-03-14 17:44:43 -0400 2023-03-10 F 2,146 $4.32 d 174,038 direct 15.9184 46.9388 56.7347 5 0.0 1

    JENKINS MATTHEW WAYNE - Officer COO & GM, PERSONAL-AUTO LOANS

    		2023-03-14 17:44:43 -0400 2023-03-10 F 3,715 $4.32 d 169,436 direct 15.9184 46.9388 56.7347 5 0.0 1

    JENKINS MATTHEW WAYNE - Officer COO & GM, PERSONAL-AUTO LOANS

    		2023-03-14 17:44:43 -0400 2023-03-10 M 7,237 a 176,184 direct 15.9184 46.9388 56.7347 5 0.0 1

    JENKINS MATTHEW WAYNE - Officer COO & GM, PERSONAL-AUTO LOANS

    		2023-03-14 17:44:43 -0400 2023-03-10 M 7,237 d 7,237 direct

    KIRSCHT PATRICK - Officer CHIEF CREDIT OFFICER

    		2023-03-14 17:48:07 -0400 2023-03-10 F 2,335 $4.32 d 251,045 direct 15.9184 46.9388 56.7347 5 0.0 1

    KIRSCHT PATRICK - Officer CHIEF CREDIT OFFICER

    		2023-03-14 17:48:07 -0400 2023-03-10 F 5,501 $4.32 d 253,380 direct 15.9184 46.9388 56.7347 5 0.0 1

    KIRSCHT PATRICK - Officer CHIEF CREDIT OFFICER

    		2023-03-14 17:48:07 -0400 2023-03-10 M 9,868 a 258,881 direct 15.9184 46.9388 56.7347 5 0.0 1

    KIRSCHT PATRICK - Officer CHIEF CREDIT OFFICER

    		2023-03-14 17:48:07 -0400 2023-03-10 M 9,868 d 9,869 direct

    KIRSCHT PATRICK - Officer CHIEF CREDIT OFFICER

    		2023-03-14 17:48:07 -0400 2023-03-10 F 11,369 $4.32 d 239,676 direct 15.9184 46.9388 56.7347 5 0.0 1

    MUELLER CASEY - Officer GLOBAL CONTROLLER AND PAO

    		2023-03-14 17:51:28 -0400 2023-03-10 F 100 $4.32 d 173,838 direct 15.9184 46.9388 56.7347 5 0.0 1

    MUELLER CASEY - Officer GLOBAL CONTROLLER AND PAO

    		2023-03-14 17:51:28 -0400 2023-03-10 F 471 $4.32 d 173,367 direct 15.9184 46.9388 56.7347 5 0.0 1

    MUELLER CASEY - Officer GLOBAL CONTROLLER AND PAO

    		2023-03-14 17:51:28 -0400 2023-03-10 F 506 $4.32 d 173,938 direct 15.9184 46.9388 56.7347 5 0.0 1

    MUELLER CASEY - Officer GLOBAL CONTROLLER AND PAO

    		2023-03-14 17:51:28 -0400 2023-03-10 A 155,521 a 174,444 direct 15.9184 46.9388 56.7347 5 0.0 1

    VAZQUEZ RAUL - Director - Officer CHIEF EXECUTIVE OFFICER

    		2023-03-14 17:54:55 -0400 2023-03-10 F 3,559 $4.32 d 976,941 direct 15.9184 46.9388 56.7347 5 0.0 1

    VAZQUEZ RAUL - Director - Officer CHIEF EXECUTIVE OFFICER

    		2023-03-14 17:54:55 -0400 2023-03-10 F 7,963 $4.32 d 980,500 direct 15.9184 46.9388 56.7347 5 0.0 1

    VAZQUEZ RAUL - Director - Officer CHIEF EXECUTIVE OFFICER

    		2023-03-14 17:54:55 -0400 2023-03-10 F 17,114 $4.32 d 959,827 direct 15.9184 46.9388 56.7347 5 0.0 1

    VAZQUEZ RAUL - Director - Officer CHIEF EXECUTIVE OFFICER

    		2023-03-14 17:54:55 -0400 2023-03-10 M 23,026 a 988,463 direct 15.9184 46.9388 56.7347 5 0.0 1

    VAZQUEZ RAUL - Director - Officer CHIEF EXECUTIVE OFFICER

    		2023-03-14 17:54:55 -0400 2023-03-10 M 23,026 d 23,027 direct

    COBLENTZ JONATHAN AARON - Officer CFO & CHIEF ADMIN OFFICER

    		2023-03-14 17:38:54 -0400 2023-03-10 F 5,309 $4.32 d 95,939 direct 15.9184 46.9388 56.7347 5 0.0 1

    COBLENTZ JONATHAN AARON - Officer CFO & CHIEF ADMIN OFFICER

    		2023-03-14 17:38:54 -0400 2023-03-10 F 3,220 $4.32 d 102,583 direct 15.9184 46.9388 56.7347 5 0.0 1

    COBLENTZ JONATHAN AARON - Officer CFO & CHIEF ADMIN OFFICER

    		2023-03-14 17:38:54 -0400 2023-03-10 F 1,335 $4.32 d 101,248 direct 15.9184 46.9388 56.7347 5 0.0 1

    ARISTEI JOAN - Officer GC & CHIEF RISK OFFICER

    		2023-03-14 17:33:50 -0400 2023-03-10 M 4,934 d 4,935 direct

    ARISTEI JOAN - Officer GC & CHIEF RISK OFFICER

    		2023-03-14 17:33:50 -0400 2023-03-10 M 4,934 a 123,337 direct 15.9184 46.9388 56.7347 5 0.0 1

    ARISTEI JOAN - Officer GC & CHIEF RISK OFFICER

    		2023-03-14 17:33:50 -0400 2023-03-10 F 3,977 $4.32 d 116,447 direct 15.9184 46.9388 56.7347 5 0.0 1

    ARISTEI JOAN - Officer GC & CHIEF RISK OFFICER

    		2023-03-14 17:33:50 -0400 2023-03-10 F 2,013 $4.32 d 121,324 direct 15.9184 46.9388 56.7347 5 0.0 1

    ARISTEI JOAN - Officer GC & CHIEF RISK OFFICER

    		2023-03-14 17:33:50 -0400 2023-03-10 F 900 $4.32 d 120,424 direct 15.9184 46.9388 56.7347 5 0.0 1

    ARISTEI JOAN - Officer GC & CHIEF RISK OFFICER

    		2023-03-07 17:00:51 -0500 2023-03-03 M 4,462 a 120,223 direct -1.7613 -52.0548 0.0 1 -52.0548 6

    ARISTEI JOAN - Officer GC & CHIEF RISK OFFICER

    		2023-03-07 17:00:51 -0500 2023-03-03 F 1,820 $6.00 d 118,403 direct -1.7613 -52.0548 0.0 1 -52.0548 6

    ARISTEI JOAN - Officer GC & CHIEF RISK OFFICER

    		2023-03-07 17:00:51 -0500 2023-03-03 M 4,462 d 0 direct

    COBLENTZ JONATHAN AARON - Officer CFO & CHIEF ADMIN OFFICER

    		2023-03-07 17:04:27 -0500 2023-03-03 F 2,427 $6.00 d 97,908 direct -1.7613 -52.0548 0.0 1 -52.0548 6

    COBLENTZ JONATHAN AARON - Officer CFO & CHIEF ADMIN OFFICER

    		2023-03-07 17:04:27 -0500 2023-03-03 M 5,950 a 100,335 direct -1.7613 -52.0548 0.0 1 -52.0548 6

    COBLENTZ JONATHAN AARON - Officer CFO & CHIEF ADMIN OFFICER

    		2023-03-07 17:04:27 -0500 2023-03-03 M 5,950 d 0 direct

    KIRSCHT PATRICK - Officer CHIEF CREDIT OFFICER

    		2023-03-07 17:11:32 -0500 2023-03-03 F 5,366 $6.00 d 249,013 direct -1.7613 -52.0548 0.0 1 -52.0548 6

    KIRSCHT PATRICK - Officer CHIEF CREDIT OFFICER

    		2023-03-07 17:11:32 -0500 2023-03-03 M 8,925 a 254,379 direct -1.7613 -52.0548 0.0 1 -52.0548 6

    KIRSCHT PATRICK - Officer CHIEF CREDIT OFFICER

    		2023-03-07 17:11:32 -0500 2023-03-03 M 8,925 d 0 direct

    JENKINS MATTHEW WAYNE - Officer COO & GM, PERSONAL-AUTO LOANS

    		2023-03-07 17:07:51 -0500 2023-03-03 F 1,765 $6.00 d 168,947 direct -1.7613 -52.0548 0.0 1 -52.0548 6

    JENKINS MATTHEW WAYNE - Officer COO & GM, PERSONAL-AUTO LOANS

    		2023-03-07 17:07:51 -0500 2023-03-03 M 5,950 a 170,712 direct -1.7613 -52.0548 0.0 1 -52.0548 6

    JENKINS MATTHEW WAYNE - Officer COO & GM, PERSONAL-AUTO LOANS

    		2023-03-07 17:07:51 -0500 2023-03-03 M 5,950 d 0 direct

    VAZQUEZ RAUL - Director - Officer CHIEF EXECUTIVE OFFICER

    		2023-03-07 17:16:22 -0500 2023-03-03 F 6,381 $6.00 d 965,437 direct -1.7613 -52.0548 0.0 1 -52.0548 6

    VAZQUEZ RAUL - Director - Officer CHIEF EXECUTIVE OFFICER

    		2023-03-07 17:16:22 -0500 2023-03-03 M 17,849 a 971,818 direct -1.7613 -52.0548 0.0 1 -52.0548 6

    VAZQUEZ RAUL - Director - Officer CHIEF EXECUTIVE OFFICER

    		2023-03-07 17:16:22 -0500 2023-03-03 M 17,849 d 0 direct

    * -

    Transaction Code Definitions
    Code Definition
    A Grant, award or other acquisition pursuant to Rule 16b-3(d)
    C Conversion of derivative security
    D Disposition to the issuer of issuer equity securities pursuant to Rule 16b-3(e)
    E Expiration of short derivative position
    F Payment of exercise price or tax liability by delivering or withholding securities incident to the receipt, exercise or vesting of a security issued in accordance with Rule 16b-3
    G Bona fide gift
    H Expiration (or cancellation) of long derivative position with value received
    I Discretionary transaction in accordance with Rule 16b-3(f) resulting in acquisition or disposition of issuer securities
    J Other acquisition or disposition
    L Small acquisition under Rule 16a-6
    M Exercise or conversion of derivative security exempted pursuant to Rule 16b-3
    O Exercise of out-of-the-money derivative security
    P Open market or private purchase of non-derivative or derivative security
    S Open market or private sale of non-derivative or derivative security
    U Disposition pursuant to a tender of shares in a change of control transaction
    W Acquisition or disposition by will or the laws of descent and distribution
    X Exercise of in-the-money or at-the-money derivative security
    Z Deposit into or withdrawal from voting trust

    IBR Securities Loan Availability

    Updated throughout the day, this shows the number of shares available to borrow. Data provided by Interactive Brokers

    Security Date/Time Rebate Rate Fee Rate Shares Available
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 22:15:04 UTC 1.0212 3.7988 1200000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 21:45:05 UTC 1.0212 3.7988 1200000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 21:15:04 UTC 0.2931 4.5269 1200000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 20:45:06 UTC 0.2931 4.5269 1200000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 20:15:05 UTC 0.2931 4.5269 1200000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 19:45:05 UTC 0.2931 4.5269 1300000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 19:15:05 UTC 0.2931 4.5269 1300000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 18:45:06 UTC 0.2931 4.5269 1300000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 18:15:06 UTC 0.2931 4.5269 1300000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 17:45:06 UTC 0.2931 4.5269 1300000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 17:15:05 UTC 0.2931 4.5269 1300000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 16:45:05 UTC -0.7796 5.5996 1300000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 16:15:05 UTC -0.7796 5.5996 1300000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 15:45:05 UTC -0.7796 5.5996 1300000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 15:15:06 UTC -0.7796 5.5996 1300000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 14:45:06 UTC -0.7796 5.5996 1300000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 14:15:06 UTC -0.7796 5.5996 1300000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 13:45:05 UTC -0.7026 5.5226 1300000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 13:15:05 UTC -0.7026 5.5226 1300000
    OPORTUN FINANCIAL CORP OPRT 2023-03-29 12:45:05 UTC -0.7026 5.5226 1300000

    Current Active Short Positions

    Holder Issuer Net Short Position Position Date Origin
    RUSSELL INVESTMENT CO- U.S. Small Cap Equity Fund OPRT -2792.0 shares, $-19571.92 2023-01-31 N-PORT

    No recent transactions

    *** To see all congressional transactions (since 2022) for this stock, please use the congressional transaction search page***

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