Oportun Financial Corp (OPRT) - Total Assets
Based on the latest financial reports, Oportun Financial Corp (OPRT) holds total assets worth $3.26 Billion USD as of December 2025. Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments. See Oportun Financial Corp shareholders equity for net asset value and shareholders' equity analysis.
Oportun Financial Corp - Total Assets Trend (2016–2025)
This chart illustrates how Oportun Financial Corp's total assets have evolved over time, based on quarterly financial data.
Oportun Financial Corp - Asset Composition Analysis
Current Asset Composition (December 2025)
Oportun Financial Corp's total assets of $3.26 Billion consist of 3.2% current assets and 96.8% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 3.2% |
| Accounts Receivable | $0.00 | 0.0% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $71.70 Million | 2.2% |
| Goodwill | $0.00 | 0.0% |
Asset Composition Trend (2016–2025)
This chart illustrates how Oportun Financial Corp's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution. For live market cap, price, and company overview, see OPRT stock market capitalisation.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Oportun Financial Corp's current assets represent 3.2% of total assets in 2025, a decrease from 7.8% in 2016.
- Cash Position: Cash and equivalents constituted 3.2% of total assets in 2025, down from 3.7% in 2016.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 2.0% of total assets, an increase from 0.0% in 2016.
- Asset Diversification: The largest asset category is intangible assets at 2.2% of total assets.
Oportun Financial Corp Competitors by Total Assets
Key competitors of Oportun Financial Corp based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Western Union Co
NYSE:WU
|
USA | $7.78 Billion |
|
AEON Thana Sinsap (Thailand) Public Company Limited
BK:AEONTS
|
Thailand | ฿92.25 Billion |
|
Propel Holdings Inc
TO:PRL
|
Canada | CA$639.53 Million |
|
Muthoot Microfin Limited
NSE:MUTHOOTMF
|
India | Rs108.57 Billion |
|
PTC India Financial Services Limited
NSE:PFS
|
India | Rs53.51 Billion |
|
Pappajack Bhd
KLSE:0242
|
Malaysia | RM361.68 Million |
|
Arman Financial Services Limited
NSE:ARMANFIN
|
India | Rs21.53 Billion |
|
Hexa Tradex Limited
NSE:HEXATRADEX
|
India | Rs55.63 Billion |
Oportun Financial Corp - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 9.17 | 2.66 | 2.30 |
| Quick Ratio | 9.17 | 2.66 | 5.11 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $94.00 Million | $49.93 Million | $109.35 Million |
Oportun Financial Corp - Advanced Valuation Insights
This section examines the relationship between Oportun Financial Corp's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 0.52 |
| Latest Market Cap to Assets Ratio | 0.07 |
| Asset Growth Rate (YoY) | 1.0% |
| Total Assets | $3.26 Billion |
| Market Capitalization | $216.72 Million USD |
Valuation Analysis
Below Book Valuation: The market values Oportun Financial Corp's assets below their book value (0.07x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: Oportun Financial Corp's assets grew by 1.0% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for Oportun Financial Corp (2016–2025)
The table below shows the annual total assets of Oportun Financial Corp from 2016 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | $3.26 Billion | +0.95% |
| 2024-12-31 | $3.23 Billion | -5.42% |
| 2023-12-31 | $3.41 Billion | -5.58% |
| 2022-12-31 | $3.61 Billion | +22.64% |
| 2021-12-31 | $2.95 Billion | +46.67% |
| 2020-12-31 | $2.01 Billion | -8.76% |
| 2019-12-31 | $2.20 Billion | +26.55% |
| 2018-12-31 | $1.74 Billion | +43.20% |
| 2017-12-31 | $1.22 Billion | +26.81% |
| 2016-12-31 | $958.17 Million | -- |
About Oportun Financial Corp
Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.