Oportun Financial Corporation — Earnings Quality Grade F
OPRT · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue grew 37.5% but CFFO only 5.1%
Expense Quality
No material inventory
CapEx growth 26.8% vs revenue 37.5%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO far exceeds NI (ratio 16.4x). Non-cash charges depressing profits
FCF $0.4B, FCF/NI = 15.41
Accruals ratio = -11.9%. Low accruals
Cash $0.1B covers only 4% of debt $2.8B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 18% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -17% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Oportun Financial Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25