Event-Driven Stocks

Oportun Financial Corp

OPRTNasdaq

Financials · Finance Services · DE · SEC filings ↗ · Compare ⊕

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Signs● 2 good● 2 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$19.5M$22.7M$25.6M$31.2M$813,000$583.7M
Operating income——————
Net income$25.2M−$78.7M−$180.0M−$77.7M$47.4M−$45.1M
Total assets$3.26B$3.23B$3.41B$3.61B$2.95B$2.01B
Total liabilities$2.87B$2.87B$3.01B$3.07B$2.34B$1.54B
Equity$390.1M$353.8M$404.4M$547.6M$603.9M$466.6M
EPS (diluted)$0.53$-1.95$-4.88$-2.37$1.56$-1.65
Shares out.36.1M34.6M33.4M32.0M27.7M27.0M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
129.7%
Return on equity
6.5%
Return on assets
0.8%
Return on capital (ROCE)
—
Liabilities / assets
88.0%
Debt / equity
7.35×
Book value / share
$10.80
Revenue growth (YoY)
−14.1%
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−11.9%clean
Piotroski F-Score
5/7mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
63
/ 100
Profitability 100Growth 0Catalyst 67Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 2 warning● 2 good
  • Revenue declined year-over-year
  • High leverage (liabilities > 70% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 20261.3M3.1-3.8%
Apr 30, 20261.3M3.0-9.5%
Apr 15, 20261.5M4.4-2.0%
Mar 31, 20261.5M3.0+4.2%
Mar 13, 20261.4M1.9+14.5%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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