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FTF vs OPRT

FTF
Franklin Limited Duration Income Trust
BEARISH
Price
$5.88
Market Cap
$237.6M
Sector
Financial Services
AI Confidence
85%
OPRT
Oportun Financial Corporation
NEUTRAL
Price
$5.39
Market Cap
$239.9M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
FTF
14.0
OPRT
10.17
Forward P/E
FTF
--
OPRT
2.84
P/B Ratio
FTF
0.89
OPRT
0.61
P/S Ratio
FTF
7.22
OPRT
0.33
EV/EBITDA
FTF
--
OPRT
--

Profitability

Gross Margin
FTF
100.0%
OPRT
95.2%
Operating Margin
FTF
85.91%
OPRT
10.66%
Profit Margin
FTF
51.89%
OPRT
3.48%
ROE
FTF
6.23%
OPRT
6.79%
ROA
FTF
4.37%
OPRT
0.78%

Growth

Revenue Growth
FTF
-8.9%
OPRT
7.1%
Earnings Growth
FTF
-26.4%
OPRT
-64.8%

Financial Health

Debt/Equity
FTF
0.36
OPRT
7.21
Current Ratio
FTF
0.42
OPRT
6.48
Quick Ratio
FTF
0.42
OPRT
6.26

Dividends

Dividend Yield
FTF
12.55%
OPRT
--
Payout Ratio
FTF
175.71%
OPRT
0.0%

AI Verdict

FTF BEARISH

FTF presents as a classic value trap, characterized by a stable Piotroski F-Score of 6/9 but severely compromised by unsustainable dividend payouts. While the current price of $5.88 sits below the Graham Number ($7.91) and Book Value (P/B 0.89), the growth-based intrinsic value is significantly lower at $2.94. The most critical concern is a payout ratio of 175.71%, indicating the trust is returning capital far in excess of its earnings. Combined with negative revenue and earnings growth, the high yield is likely unsustainable.

Strengths
Trading below book value (P/B 0.89)
Strong operating margins (85.91%)
Low debt-to-equity ratio (0.36)
Risks
Unsustainable dividend payout ratio (175.71%)
Significant earnings contraction (-26.40% YoY)
Poor short-term liquidity (Current Ratio 0.42)
OPRT NEUTRAL

OPRT presents a classic value-trap profile, characterized by a stable Piotroski F-Score of 4/9 but alarming financial leverage with a Debt/Equity ratio of 7.21. While the stock trades at a deep discount to its Graham Number ($10.23) and book value (P/B 0.61), these metrics are offset by a severe YoY earnings collapse of 64.8%. Despite recent earnings beats and a bullish analyst consensus, the combination of bearish insider activity and a 0/100 technical trend suggests significant underlying risk.

Strengths
Deeply undervalued on a book value basis (P/B 0.61)
Extremely low Forward P/E of 2.84
Strong short-term liquidity (Current Ratio 6.48)
Risks
Extreme financial leverage (Debt/Equity 7.21)
Severe earnings contraction (YoY Earnings Growth -64.8%)
Bearish insider sentiment with recent officer sales

Compare Another Pair

FTF vs OPRT: Head-to-Head Comparison

This page compares Franklin Limited Duration Income Trust (FTF) and Oportun Financial Corporation (OPRT) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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