Discounted Cash Flow
Oportun Financial Corp.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2018 | $497.6m | $123.4m | $123.8m | 24.8% | $6.42 |
| 2019 | $600.1m (20.6%) | $61.6m (-50.1%) | $209.5m (69.2%) | 10.3% (-58.6%) | $0.46 (-92.8%) |
| 2020 | $583.7m (-2.7%) | $-45.1m (-173.2%) | $148.0m (-29.3%) | -7.7% (-175.2%) | $-1.65 (-458.7%) |
| 2021 | $626.8m (7.4%) | $47.4m (205.2%) | $151.2m (2.1%) | 7.6% (197.9%) | $1.68 (201.8%) |
| 2022 | $31.2m (-95.0%) | $-77.7m (-264.0%) | $241.9m (60.0%) | -249.3% (-3395.5%) | $-2.37 (-241.1%) |
| 2023 | $25.6m (-18.0%) | $-180.0m (-131.5%) | $361.5m (49.5%) | -703.8% (-182.3%) | $-4.88 (-105.9%) |
| 2024 | $22.7m (-11.3%) | $-78.7m (56.3%) | $374.3m (3.5%) | -347.1% (50.7%) | $-1.95 (60.0%) |
| 2025 | $19.5m (-14.1%) | $25.2m (132.1%) | $25.2m (-93.3%) | 129.7% (137.4%) | $0.54 (127.7%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.