OPRT vs CIA

Comparison between Oportun Financial Corp (OPRT, Company) and Citizens Inc - Class A (CIA, Company).

Both OPRT and CIA are from the Financial Services sector.

5-Year PerformanceCIA has outperformed OPRT, delivering a return of -2.0% compared to -22.7%

OPRT vs CIA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	OPRT(COMPANY)	CIA(COMPANY)
Market Cap	$255M	$254M
Max Drawdown	92.32%	85.54%
Sharpe Ratio	0.04	0.49
5Y Beta	1.55	1.23
Industry	Credit Services	Insurance - Life
P/E Ratio	13.90	91.20
Forward P/E	4.95	16.13
PEG Ratio	N/A	1.21
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	N/A	6.39%
P/S Ratio	0.35	0.99
P/B Ratio	0.67	1.11

Market Cap

Winner

OPRT

$255M

CIA

$254M

Max Drawdown

OPRT

92.32%

Winner

CIA

85.54%

Sharpe Ratio

OPRT

0.04

Winner

CIA

0.49

5Y Beta

OPRT

1.55

Winner

CIA

1.23

Industry

OPRT

Credit Services

CIA

Insurance - Life

P/E Ratio

Winner

OPRT

13.90

CIA

91.20

Forward P/E

Winner

OPRT

4.95

CIA

16.13

PEG Ratio

OPRT

N/A

CIA

1.21

Debt to Equity

OPRT

0.00%

CIA

0.00%

Free Cash Flow Yield

OPRT

N/A

CIA

6.39%

P/S Ratio

Winner

OPRT

0.35

CIA

0.99

P/B Ratio

Winner

OPRT

0.67

CIA

1.11

OPRT vs CIA - Historical Returns

Returns include dividend reinvestment.

Period	OPRT	CIA
1 month	-0.70%	-23.20%
3 months	-3.38%	-12.81%
6 months	-1.21%	-11.23%
1 year	-7.90%	+20.39%
5 years(CAGR)	-22.70%	-2.00%
10 years(CAGR)	N/A	-5.74%
Max(CAGR)	-14.13%	-0.11%

Winner

OPRT

-0.70%

CIA

-23.20%

Winner

OPRT

-3.38%

CIA

-12.81%

Winner

OPRT

-1.21%

CIA

-11.23%

OPRT

-7.90%

Winner

CIA

+20.39%

5Y(CAGR)

OPRT

-22.70%

Winner

CIA

-2.00%

10Y(CAGR)

OPRT

N/A

CIA

-5.74%

Max(CAGR)

OPRT

-14.13%

Winner

CIA

-0.11%

OPRT vs CIA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	OPRT	CIA
2026	+12.85%	-1.61%
2025	+35.99%	+12.06%
2024	+0.52%	+47.43%
2023	-30.67%	+29.33%
2022	-73.30%	-60.41%
2021	+8.99%	-5.01%
2020	-18.03%	-17.44%
2019	+47.19%	-10.48%
2018	N/A	+0.00%
2017	N/A	-26.87%
2016	N/A	+40.29%
2015	N/A	-5.83%
2014	N/A	-10.48%
2013	N/A	-23.65%
2012	N/A	+10.17%
2011	N/A	+24.39%
2010	N/A	+11.36%
2009	N/A	-30.83%
2008	N/A	+63.30%
2007	N/A	-19.86%
2006	N/A	+20.44%
2005	N/A	-6.09%
2004	N/A	-33.71%
2003	N/A	+28.51%
2002	N/A	-40.43%
2001	N/A	+84.00%
2000	N/A	+1.82%
1999	N/A	+19.35%

OPRT vs CIA Drawdown Comparison

The maximum drawdown for OPRT was -92.32%, occurring on Apr 17, 2024. This drawdown has not yet recovered.

The maximum drawdown for CIA was -85.54%, occurring on May 9, 2023. This drawdown has not yet recovered.

The current OPRT drawdown is -79.42%. The current CIA drawdown is -58.08%.

Rank	OPRT	CIA
#1	-92.32% Nov 12, 2021 - Apr 17, 2024	-85.54% Dec 19, 2016 - May 9, 2023
#2	-78.67% Dec 26, 2019 - Aug 6, 2021	-60.47% Dec 18, 2001 - Dec 19, 2016
#3	-14.22% Oct 7, 2021 - Nov 8, 2021	-25.22% Jan 11, 2000 - May 29, 2001
#4	-11.32% Sep 27, 2019 - Oct 24, 2019	-19.30% Nov 12, 1999 - Jan 11, 2000
#5	-10.00% Nov 19, 2019 - Nov 29, 2019	-18.29% May 31, 2001 - Jul 18, 2001
#6	-9.16% Sep 3, 2021 - Oct 7, 2021	-15.38% Sep 6, 2001 - Nov 30, 2001
#7	-8.26% Nov 29, 2019 - Dec 18, 2019	-8.38% Jul 18, 2001 - Aug 15, 2001
#8	-7.12% Aug 11, 2021 - Aug 27, 2021	-7.55% Dec 7, 2001 - Dec 18, 2001
#9	-5.12% Oct 25, 2019 - Nov 7, 2019	-3.08% Aug 24, 2001 - Aug 31, 2001
#10	-4.20% Dec 19, 2019 - Dec 23, 2019	-2.40% Nov 30, 2001 - Dec 4, 2001
#11	-3.13% Nov 13, 2019 - Nov 19, 2019	-2.11% Nov 2, 1999 - Nov 5, 1999
#12	-2.45% Aug 6, 2021 - Aug 11, 2021	-2.08% Nov 5, 1999 - Nov 11, 1999
#13	-2.13% Aug 27, 2021 - Sep 1, 2021	-1.67% Aug 20, 2001 - Aug 22, 2001
#14	-0.48% Nov 10, 2021 - Nov 12, 2021	N/A
#15	-0.37% Nov 8, 2021 - Nov 10, 2021	N/A