OakChart

Oportun Financial Corp

OPRTFinancial·Credit Services·USA·Small·NASD·Nov 11 • 2:19 PM ET

11.94+0.29 (2.45%)
2026-11-11 20:19 CET
Market cap
536.83 USD m
Revenue, TTM
- USD m
Net income, TTM
37.21 USD m
Free cash flow, TTM
433.64 USD m
EPS diluted, TTM
0.74
P/E
16.10
Compare

Price

OPRT against its 20, 50 and 200-day averages
2050200beatmiss
6.008.0010.0012.001.4M2.8MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26OPRTclose 11.9420-day 10.1950-day 9.01200-day 6.4611.9452w high

10.5% under the 52-week high of 13.34 on 5 Nov 2026. 52-week low 4.03 on 19 Mar 2026. Last 15 sessions, 49.2% high to low

Profile

OPRT
52-week range, 85% of the way up
4.0313.34

Oportun Financial Corp. is a mission-driven financial services company, which engages in the financial goals within reach with intelligent borrowing, savings, and budgeting capabilities, empowers members with the confidence to build a better financial future. Its products include personal loans, secured personal loans, credit cards, savings, direct, and investment and retirement. The company was founded in August 2005 and is headquartered in San Mateo, CA.

IndexRUT
Employees2405
IPOSep 26, 2019
Beta1.26
ATR, 14d0.61
Rel volume0.55
Short float3.31%
Insider own8.63%
Inst own86.07%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap549.98M
Enterprise Value-
Income37.21M
Sales956.07M
Book/sh9.41
Cash/sh-
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees2405
IPOSep 26, 2019

Ratios

P/E16.10
Forward P/E5.74
PEG0.28
P/S0.58
P/B1.27
P/C-
P/FCF1.27
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio4.45
Debt/Eq6.26
LT Debt/Eq6.26
Option/ShortYes / Yes

Earnings

EPS (ttm)0.74
EPS next Y2.08
EPS next Q0.52
EPS this Y22.24%
EPS next Y25.11%
EPS next 5Y20.84%
EPS past 3/5Y- -
Sales past 3/5Y0.14% 10.39%
EPS Y/Y TTM13.72%
Sales Y/Y TTM-0.40%
EPS Q/Q318.03%
Sales Q/Q3.18%
EarningsNov 03 AMC
EPS/Sales Surpr.10.87% 3.55%

Ownership

Insider Own8.63%
Insider Trans-0.18%
Inst Own86.07%
Inst Trans-1.46%
ROA1.16%
ROE9.11%
ROIC1.18%
Gross Margin-
Oper. Margin6.32%
Profit Margin3.89%
SMA2017.14%
SMA5032.42%
SMA20084.85%
Trades-

Technical

Shs Outstand46.08M
Shs Float42.10M
Short Float3.31%
Short Ratio2.25
Short Interest1.39M
52W High13.34 -10.50%
52W Low4.03 196.16%
Volatility8.55% 5.05%
ATR (14)0.61
RSI (14)68.44
Beta1.26
Rel Volume0.55
Avg Volume620.17K
Volume259,127

Performance

Perf Week-8.26%
Perf Month30.16%
Perf Quarter56.22%
Perf Half Y125.19%
Perf YTD125.62%
Perf Year151.80%
Perf 3Y375.51%
Perf 5Y-55.53%
Perf 10Y-
Recom2.00
Target Price13.50
Prev Close11.65
Price11.94
Change %2.45%

Analyst ratings

latest 10 of 14
DateActionAnalystRating changeTargetImplied
Jan 12, 2026UpgradeJJP MorganUnderweight → Neutral$5.50-53.9%
Oct 07, 2025DowngradeJJP MorganNeutral → Underweight$6-49.7%
Jun 12, 2025InitiatedSStephensOverweight$10-16.2%
Mar 05, 2025InitiatedBBTIG ResearchBuy$10-16.2%
Mar 15, 2024DowngradeJJMP SecuritiesMkt Outperform → Mkt Perform
Mar 14, 2024DowngradeJJefferiesBuy → Hold$9 → $3.50-70.7%
Oct 17, 2023DowngradeJJP MorganOverweight → Neutral$7 → $8-33.0%
Jun 29, 2023InitiatedRB. Riley SecuritiesBuy$9-24.6%
Jun 14, 2023ResumedBBTIG ResearchBuy$7-41.4%
Mar 14, 2023DowngradeKKeefe BruyetteOutperform → Mkt Perform$9 → $4-66.5%

Peers

Mkt cap
TickerCompanyMkt cap
RMRegional Management Corp309.76M
WRLDWorld Acceptance Corp631.93M
OMFOneMain Holdings Inc6.34B
OPFIOppFi Inc511.34M
ENVAEnova International Inc4.16B
UPSTUpstart Holdings Inc2.04B
ATLCAtlanticus Holdings Corp1.25B
HAPNHappen Inc1.82B
CPSSConsumer Portfolio Service Inc219.49M
PGYPagaya Technologies Ltd1.45B

Insider trading

10 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Schueller Joseph AndrewSVP-Controller, CAOSep 10 '26Sale7.802,83122,08271,149Sep 14 06:11 PM
Schueller Joseph AndrewSVP-Controller, CAOSep 11 '26Sale7.802821871,121Sep 14 06:11 PM
Layton Kathleen I.Chief Legal OfficerSep 10 '26Sale7.804,22332,939292,006Sep 14 06:10 PM
Schueller Joseph AndrewOfficerSep 10 '26Proposed Sale7.802,83122,075Sep 10 04:01 PM
Layton Kathleen I.OfficerSep 10 '26Proposed Sale7.804,22332,927Sep 10 04:00 PM
Kirscht PatrickOfficerAug 12 '26Proposed Sale7.5125,000187,687Aug 12 05:19 PM
Kirscht PatrickChief Credit OfficerMar 10 '26Sale4.9054,299266,065439,618Mar 12 06:09 PM
Layton Kathleen I.Chief Legal OfficerMar 10 '26Sale4.9019,35594,840225,872Mar 12 05:25 PM
Layton Kathleen I.OfficerMar 10 '26Proposed Sale4.8919,35594,741Mar 10 04:03 PM
Kirscht PatrickOfficerMar 10 '26Proposed Sale4.9054,299265,800Mar 10 04:03 PM

Held by

AUM
TickerCompanyAUM
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.52B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
VXFVanguard Extended Market Index ETFAUM: 30.47B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
BSVOEA Bridgeway Omni Small-Cap Value ETFAUM: 2.44B
FDMFirst Trust Dow Jones Select Microcap Index FundAUM: 267.52M

News

latest 14 of 200
  • Oportun Returns To Revenue Growth And Raises Its Outlook, But A 47% Run-Up Raises The Bar (Earnings Whispers) +29.58%
  • Oportun Returns to Revenue Growth and Raises Full-Year Outlook (GlobeNewswire)
  • Oportun's Four-Year-Low Charge-Off Target Faces Its Test As Shares Press Record Range (Earnings Whispers)
  • Oportun to Report Third Quarter 2026 Financial Results Tuesday, November 3, 2026 (GlobeNewswire)
  • Oportun to Present at Sidoti September Virtual Investor Conference (GlobeNewswire)
  • Oportun Appoints Bernardo Martinez as Chief Retail and Sales Officer and Garrett Hope as Chief Product Officer (GlobeNewswire)
  • Oportun Reports Inducement Grants under Nasdaq Listing Rule 5635(c)(4) (GlobeNewswire)
  • Oportun Names Bill Franklin as Chief Financial Officer (GlobeNewswire)
  • Oportun Appoints Scott Scheirman to its Board of Directors (GlobeNewswire)
  • Oportun Financial Corp (OPRT) (Q2 2026) Earnings Call Highlights: Strong Profitability and ... (GuruFocus.com) +32.84%
  • Oportun Outperforms Second Quarter Guidance (GlobeNewswire)
  • Oportun Launches New Set & Save Smart Bills Feature to Help Members Stay Ahead of Recurring Expenses (GlobeNewswire)
  • Oportun Named to the CNBC World's Top Fintech Companies 2026 List for Third Consecutive Year (GlobeNewswire) +5.47%
  • Oportun to Report Second Quarter 2026 Financial Results Wednesday, August 5, 2026 (GlobeNewswire) -5.19%

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-11-030.5100.4600.450246.3237.874
2026Q22026-08-050.4200.3270.173233.2230.686
2026Q12026-05-070.2100.2080.048228.8228.585
2025Q42026-02-260.2700.2620.071247.7243.097
2025Q32025-11-040.3900.2900.108238.7238.888
2025Q22025-08-060.3100.2190.144234.3239.768
2025Q12025-05-080.4000.0840.208235.9228.866
2024Q42025-02-120.4900.1460.200250.9247.925
2024Q32024-11-120.020-0.049-0.750250249.293
2024Q22024-08-080.080-0.151-0.779250.4245.732
2024Q12024-05-090.090-0.266-0.680250.5240.524
2023Q42024-03-12-0.540-0.374-1.086262.6262.315
2023Q32023-11-06-0.4600.315-0.552268.2240.836
2023Q22023-08-080.060-0.119-0.406266.6251.626
2023Q12023-05-08-2.600-1.361-3.005259.5246.065
2022Q42023-03-130.1400.224-0.253261.9259.546

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2019FY2.5302.1960.396446.8521.18
2020FY-0.520-1.044-1.649583.7581.24
2021FY2.6002.4801.564626.8617.33
2022FY2.0902.177-2.368952.5950.27
2023FY-3.370-3.271-4.8801,0571,056
2024FY0.7200.290-1.9501,002998.73
2025FY1.3601.3500.530956.7952.06
2026FY-1.663--958.4
2027FY-2.080--1,014
2028FY-2.400--1,082

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-04420250.11248.51251.51
2026Q4S2026-11-03400247243.51250.43
2026Q4S2026-10-20400247243.51250.43
2026Q4S2026-10-17401247243.51250.43
2026Q4S2026-10-08501246.26243.3250.43
2026Q4S2026-10-05501246.3243.3250.43
2026Q4S2026-09-18501246.33243.3250.43
2026Q4S2026-08-06611246.94243.3250.43
2026Q4S2026-07-22600246.54242.67251.68
2026Q4S2026-07-09610246.54242.67251.68
2026Q4S2026-07-06510247.19242.67251.68
2026Q4S2026-06-07510247.18242.67251.68
2026Q4S2026-05-13610246.4242.5251.68
2026Q4S2026-05-08614246.4242.5251.68

Estimate history

EPS, annual-0.380.6170.396-1.6491.564-2.368-4.88-1.950.5280.7415
Period201720182019202020212022202320242025TTM
EPS, quarterly-0.750.20.2080.1440.1080.0710.0480.1730.45
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual360.954497.579600.148583.734626.782952.5451056.9191001.775956.685956.07
Period201720182019202020212022202320242025TTM
Sales, quarterly249.951251235.904234.346238.688247.8228.764233.228246.277
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual26.89326.89327.00327.67932.00433.35534.46936.11244.43746.08
Period201720182019202020212022202320242025MRQ
Shares, quarterly35.97136.11237.50144.00944.09244.43745.60345.9546.08
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income898.77893.22925.47963.50876.11575.84545.47544.13448.78
Total Interest Expense188.94231.50238.16179.4193.0547.6758.3760.5546.92
Net Interest Income709.83661.72687.31784.08783.07528.17487.10483.58401.86
Loan Loss Provision--------4.4816.15
Net Interest Income After Loan Loss Provision-------488.06385.71
Non-Interest Income57.2963.4676.3193.4276.4350.9438.2756.0248.80
Non-Interest Expense706.66681.11878.791,131.16826.31516.32583.46459.65264.42
Operating Income60.4744.08-115.18-253.6533.1962.79-58.0984.43170.09
Unusual Expense0.000.000.000.00108.470.000.000.000.00
Net Income Before Taxes60.3744.08-115.18-253.65-75.2962.79-58.0984.43170.09
Income Taxes23.1518.83-36.49-73.702.4615.38-13.0122.8346.70
Consolidated Net Income37.2125.25-78.68-179.95-77.7447.41-45.0841.7216.60
Net Income From Continuing Operations37.2125.25-78.68-179.95-77.7447.41-45.0841.7216.60
Net Income37.2125.25-78.68-179.95-77.7447.41-45.084.2616.60
EPS (Recurring)0.730.53-1.95-4.88-0.061.56-1.650.400.62
EPS (Basic, Before Extraordinaries)0.770.54-1.95-4.88-2.371.68-1.650.460.62
EPS (Diluted)0.740.53-1.95-4.88-2.371.56-1.650.400.62
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.00-19.88-106.80
Stock Option Compensation Expense11.188.4410.2614.6921.8218.8611.6914.005.35
Price To Earnings Ratio15.7115.71---13.04---
Price To Sales Ratio0.430.260.160.140.190.980.910.43-
Operating Margin6.324.61-11.50-24.003.4810.02-9.9514.0734.18
Net Margin3.892.64-7.85-17.03-8.167.56-7.720.713.34
Shares Outstanding46.0844.4436.1134.4733.3532.0027.6827.0026.89
Market Capitalization536.83536.83139.59133.84182.89574.86534.75642.62644.78

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income231.44219.27215.66232.40222.34218.28220.22233.50
Total Interest Expense41.1341.9347.9857.9056.6259.5457.4073.70
Net Interest Income190.31177.34167.69174.50165.72158.74162.82159.80
Loan Loss Provision----0.000.000.00-
Net Interest Income After Loan Loss Provision----165.72158.74162.82-
Non-Interest Income14.8413.9513.1015.4016.3516.0715.6817.50
Non-Interest Expense170.56175.68177.22183.20167.82164.70165.34173.30
Operating Income34.5815.623.566.7014.2410.1113.164.00
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes34.5815.623.566.6014.2410.1113.163.90
Income Taxes11.657.081.223.209.053.233.39-4.80
Consolidated Net Income22.938.542.353.405.206.889.778.70
Net Income From Continuing Operations22.938.542.353.405.206.889.778.70
Net Income22.938.542.353.405.206.889.778.70
EPS (Recurring)0.450.170.050.070.110.140.210.20
EPS (Basic, Before Extraordinaries)0.470.180.050.070.110.150.210.20
EPS (Diluted)0.450.170.050.070.110.140.210.20
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense2.582.324.142.131.972.142.242.21
Price To Earnings Ratio15.7115.438.718.03----
Price To Sales Ratio0.430.300.240.270.310.350.260.17
Operating Margin14.046.701.562.705.974.315.581.59
Net Margin9.313.661.031.372.182.934.143.47
Shares Outstanding46.0845.9545.6044.4444.0944.0137.5036.11
Market Capitalization536.83261.17205.15233.44271.54314.11198.38139.59

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks198.93214.62206.02203.82192.96168.59136.14129.1894.16
Investments-1.2513.779.310.050.491.160.710.002.40
Net Loans2,874.092,778.522,962.353,143.652,386.811,696.531,920.561,523.251,041.40
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment11.5112.7528.1040.9748.3262.6773.3423.2017.16
Interest Receivables0.000.000.000.000.000.000.302.308.30
Deferred Tax Assets98.60113.2392.411.793.921.721.561.0429.14
Other Intangible Assets106.45125.00157.99223.41300.8078.3969.2660.9822.48
Total Assets3,288.343,257.903,456.183,613.702,946.622,009.052,201.871,739.941,215.04
Total Debt2,810.962,822.442,938.552,966.072,207.391,470.161,635.931,338.21956.03
Long Term Debt2,804.282,276.002,581.162,952.192,192.461,454.371,621.571,338.21956.03
Provision for Risks Charges0.000.000.000.000.000.000.000.000.00
Deferred Tax Liabilities30.4930.8044.2930.5728.4210.5624.8713.93-
Other Liabilities56.8150.8568.9469.45106.9361.9752.3141.2642.28
Total Liabilities2,898.262,904.093,051.773,066.102,342.741,542.681,713.111,393.39998.31
Preferred Stock - Carrying Value0.000.000.000.000.000.000.06258.03268.12
Common Equity390.08353.81404.40547.60603.88466.37488.7088.52-51.39
Total Shareholders Equity390.08353.81404.40547.60603.88466.37488.77346.55216.73
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity390.08353.81404.40547.60603.88466.37488.77346.55216.73
Total Liabilities & Stockholders Equity3,288.343,257.903,456.183,613.702,946.622,009.052,201.871,739.941,215.04
Book Value Per Share8.789.8011.7316.4218.8716.8518.103.29-1.91
Tangible Book Value Per Share7.167.408.4012.2311.5215.8617.423.09-2.12
Full-Time Employees2,4052,3122,3403,2352,7293,1493,2793,046-
Price to Book Ratio1.240.430.300.331.071.151.321.40-
Return on Assets0.77-2.34-5.09-2.371.91-2.142.121.12-0.94
Return on Equity6.79-20.75-37.80-13.508.86-9.449.995.89-4.64
Return on Invested Capital0.79-2.99-6.03-2.221.70-2.351.980.99-0.87
Current Ratio3.740.400.553.793.802.813.014.732.94

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations436.10408.52419.27405.33322.51146.45167.26167.47132.39
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-2.46-2.29-30.26-21.05-80.74-10.42-34.2615.08-29.88
Cash from Operating Activities433.64406.23389.00384.28241.77136.03133.00182.55102.51
Capital Expenditures-24.71-24.33-19.19-31.26-48.89-38.77-26.60-26.22-17.94
Net Assets From Acquisitions0.000.000.000.000.00-111.650.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.000.000.00
Purchase or Sale of Investments0.000.000.000.000.000.000.000.000.00
Purchase of Investments0.000.000.000.000.000.000.000.000.00
Sale Or Maturity of Investments0.000.000.000.000.000.000.000.000.00
Other Uses-0.88-0.97-0.89-1.44-6.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.000.00
Cash from Investing Activities-350.10-362.55-189.17-277.70-1,165.45-857.3736.24-461.86-435.56
Cash Dividends Paid0.000.000.000.000.000.000.000.000.00
Change in Capital Stock0.000.000.000.000.000.000.0060.480.00
Repurchase of Common Pref Stock0.000.000.000.000.000.000.000.000.00
Sale of Common Pref Stock0.000.000.000.000.000.000.0060.480.00
Proceedsfrom Stock Options0.000.000.000.000.000.000.0060.480.00
Issuance or Reduction of Debt, Net0.00-58.98-190.95-101.69943.20748.94-135.26224.68368.43
Change in Long Term Debt0.000.000.000.000.000.000.00-0.27-0.26
Issuance of Long Term Debt0.000.000.000.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.000.00-0.27-0.26
Net Financing Active Other Cash Flow-3.39-3.65-13.04-5.42-16.85-5.42-2.041.11-1.22
Other Financing Activities Uses-3.39-3.65-13.04-5.42-16.85-5.42-2.040.00-1.22
Cash from Financing Activities-49.13-59.38-191.22-104.39934.53745.71-136.80286.27368.07
Net Change in Cash34.40-15.698.612.2010.8624.3732.456.9735.02
Free Cash Flow433.64406.23389.00384.28241.77123.73128.18173.6887.95
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.00--
Price to Free Cash Flow0.960.620.400.380.754.964.131.47-
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks258.36212.43209.85198.93223.96228.22
Investments0.000.000.00-1.2511.3114.22
Net Loans2,795.452,736.752,771.842,874.092,759.662,755.47
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment12.3913.0512.4411.5111.6011.95
Interest Receivables0.000.000.000.000.000.00
Deferred Tax Assets52.4163.7667.4998.6069.4777.79
Other Intangible Assets95.16103.32105.92106.45110.18113.43
Total Assets3,213.783,129.313,167.543,288.343,186.183,201.09
Total Debt2,714.662,662.282,717.652,810.962,743.802,763.49
Long Term Debt2,713.072,659.192,713.212,804.282,740.842,757.61
Provision for Risks Charges0.000.000.000.000.000.00
Deferred Tax Liabilities---30.49--
Other Liabilities65.6859.9053.6056.8158.5261.60
Total Liabilities2,780.342,722.182,771.262,898.262,802.322,825.10
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity433.44407.13396.28390.08383.85375.99
Total Shareholders Equity433.44407.13396.28390.08383.85375.99
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity433.44407.13396.28390.08383.85375.99
Total Liabilities & Stockholders Equity3,213.783,129.313,167.543,288.343,186.183,201.09
Book Value Per Share9.418.868.698.788.718.54
Tangible Book Value Per Share8.017.407.177.167.016.76
Full-Time Employees---2,405--
Price to Book Ratio1.240.660.530.610.720.73
Return on Assets1.160.620.560.770.95-0.14
Return on Equity9.114.974.676.798.59-1.26
Return on Invested Capital0.730.280.080.110.170.22
Current Ratio4.453.974.613.744.304.24

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations111.13102.59108.61113.77103.8794.85
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital7.786.72-4.88-12.09-4.839.68
Cash from Operating Activities118.91109.31103.73101.6899.04104.53
Capital Expenditures-5.74-6.26-6.51-6.20-6.12-6.43
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments0.000.000.000.000.000.00
Purchase of Investments0.000.000.000.000.000.00
Sale Or Maturity of Investments0.000.000.000.000.000.00
Other Uses-0.11-0.16-0.15-0.46-0.13-0.14
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-125.91-50.127.98-182.05-72.63-52.34
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.000.000.000.000.000.00
Repurchase of Common Pref Stock0.000.000.000.000.000.00
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net52.98-55.82-100.3355.35-30.68-55.05
Change in Long Term Debt0.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.00
Net Financing Active Other Cash Flow-0.05-0.80-0.50-2.050.00-1.10
Other Financing Activities Uses-0.05-0.80-0.50-2.050.00-1.10
Cash from Financing Activities52.93-56.62-100.7955.35-30.68-54.94
Net Change in Cash45.932.5810.92-25.02-4.27-2.75
Free Cash Flow118.91109.31103.73101.6899.04104.53
Price to Free Cash Flow0.960.680.550.630.760.85

Revenue breakdown

Finance Services2024: 1.00B 2025: 956.69M
United States2024: 1.00B 2025: 956.69M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-303.31%1.4M42.1M596.11K
2026-10-153.82%1.6M42.0M560.49K
2026-09-304.33%1.8M41.3M523.08K
2026-09-152.89%1.2M41.3M483.32K
2026-08-312.73%1.1M41.7M478.45K
2026-08-142.63%1.1M41.7M560.92K
2026-07-313.77%1.5M39.3M513.47K
2026-07-154.02%1.5M38.4M524.55K
2026-06-303.57%1.4M38.4M494.22K
2026-06-153.57%1.4M38.4M480.27K
2026-05-293.37%1.3M38.4M541.44K
2026-05-153.34%1.3M38.4M519.55K
2026-04-303.52%1.3M37.7M536.66K
2026-04-154.00%1.5M36.7M595.80K
2026-03-314.03%1.5M37.2M593.36K
2026-03-133.87%1.4M37.2M546.19K
2026-02-273.38%1.3M37.2M469.37K
2026-02-134.27%1.6M36.9M434.77K
2026-01-304.19%1.5M36.9M445.82K
2026-01-153.91%1.4M36.9M400.29K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call2.508.6010.100.0010.5010.000.000.962-0.0960.002
call5.006.107.607.906.0071,4100.000.915-0.1040.003
call7.503.805.104.403.7221551.000.856-0.0950.004
call10.001.802.902.502.5801430.000.753-0.0760.006
call12.500.000.750.851.31420.000.000.466-0.0600.007
call15.000.000.750.102.2652.000.000.324-0.0850.007
call17.500.000.750.002.9320.000.000.275-0.1030.006
call20.000.000.750.003.4650.000.000.249-0.1150.006
call22.500.000.750.003.8940.000.000.232-0.1250.006
call25.000.000.750.004.2590.000.000.219-0.1320.006
put2.500.001.250.0511.0485050.00-0.038-0.0960.002
put5.000.000.750.056.36328.000.00-0.085-0.1030.003
put7.500.000.750.103.97324.000.00-0.144-0.0940.004
put10.000.000.750.182.2663.000.00-0.247-0.0740.006
put12.500.401.651.201.7906.000.00-0.534-0.0590.007
put15.002.603.800.002.2720.000.00-0.677-0.0840.007
put17.505.106.500.003.2510.000.00-0.725-0.1010.006
put20.007.509.000.003.7900.000.00-0.751-0.1120.006
put22.5010.0011.500.004.2330.000.00-0.768-0.1210.006
put25.0012.0014.400.005.2430.000.00-0.781-0.1290.006

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0410-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-038-KCurrent report2026-11-03SEC
2026-09-144Statement of changes in beneficial ownership of securities2026-09-10SEC
2026-09-144Statement of changes in beneficial ownership of securities2026-09-10SEC
2026-09-144Statement of changes in beneficial ownership of securities2026-09-10SEC
2026-09-143Initial statement of beneficial ownership of securities2026-09-08SEC
2026-09-11144/ASEC
2026-09-118-KCurrent report2026-09-05SEC
2026-09-10144Filing for proposed sale of securities under Rule 144.SEC
2026-09-10144Filing for proposed sale of securities under Rule 144.SEC
2026-08-258-KCurrent report2026-08-19SEC
2026-08-204Statement of changes in beneficial ownership of securities2026-08-19SEC
2026-08-173Initial statement of beneficial ownership of securities2026-08-11SEC
2026-08-148-KCurrent report2026-08-11SEC
2026-08-14SCHEDULE 13G/ASEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-12144Filing for proposed sale of securities under Rule 144.SEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-058-KCurrent report2026-08-05SEC
2026-07-23SCHEDULE 13G/ASEC
2026-07-13SCHEDULE 13G/ASEC
2026-07-078-KCurrent report2026-06-30SEC
2026-06-294Statement of changes in beneficial ownership of securities2026-06-26SEC
2026-06-29ARSAnnual report to security holders. 2025-12-31SEC
2026-06-29DEFA14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090055.24K3
2026-080000
2026-070000
2026-060000
2026-050000
2026-040000
2026-0300360.90K2
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
Forager Capital Management, LLC9.86%
Neuberger Berman Group LLC8.51%
BlackRock, Inc.7.37%
FINDELL CAPITAL MANAGEMENT LLC6.12%
DIMENSIONAL FUND ADVISORS LP4.20%
VANGUARD CAPITAL MANAGEMENT LLC3.81%
FMR LLC3.34%
Long Focus Capital Management, LLC3.31%
GOLDMAN SACHS GROUP INC2.81%
Meros Investment Management, LP2.46%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND2.61%
iShares Russell 2000 ETF2.47%
Avantis U.S. Small Cap Value ETF1.90%
VANGUARD EXTENDED MARKET INDEX FUND1.11%
Fidelity Small Cap Index Fund0.99%
iShares Russell 2000 Value ETF0.85%
Goldman Sachs Small Cap Value Insights Fund0.80%
U.S. SMALL CAP VALUE PORTFOLIO0.61%
VANGUARD RUSSELL 2000 INDEX FUND0.52%
U.S. Targeted Value Portfolio0.51%

OakChart. OPRT. Cached 15 minutes.