OPPFI INC (OPFI) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:OPFI • US68386H1032
9.52 USD
-0.2 (-2.06%)
At close: Jan 30, 2026
9.4695 USD
-0.05 (-0.53%)
After Hours: 1/30/2026, 8:11:47 PM
Taking everything into account, OPFI scores 6 out of 10 in our fundamental rating. OPFI was compared to 54 industry peers in the Consumer Finance industry. Both the profitability and the financial health of OPFI get a neutral evaluation. Nothing too spectacular is happening here. OPFI is evaluated to be cheap and growing strongly. This does not happen too often! These ratings could make OPFI a good candidate for value and growth investing.
1. Profitability
1.1 Basic Checks
- OPFI had positive earnings in the past year.
- In the past year OPFI had a positive cash flow from operations.
- OPFI had positive earnings in 4 of the past 5 years.
- In the past 5 years OPFI always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of OPFI (0.54%) is worse than 70.37% of its industry peers.
- OPFI's Return On Equity of 7.84% is on the low side compared to the rest of the industry. OPFI is outperformed by 64.81% of its industry peers.
- OPFI has a Return On Invested Capital of 23.43%. This is amongst the best in the industry. OPFI outperforms 90.74% of its industry peers.
- OPFI had an Average Return On Invested Capital over the past 3 years of 12.63%. This is in line with the industry average of 12.42%.
- The last Return On Invested Capital (23.43%) for OPFI is above the 3 year average (12.63%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.54% | ||
| ROE | 7.84% | ||
| ROIC | 23.43% |
ROA(3y)0.73%
ROA(5y)6.88%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)12.63%
ROIC(5y)19.21%
1.3 Margins
- OPFI has a worse Profit Margin (0.68%) than 77.78% of its industry peers.
- OPFI's Profit Margin has declined in the last couple of years.
- OPFI's Operating Margin of 34.91% is amongst the best of the industry. OPFI outperforms 87.04% of its industry peers.
- In the last couple of years the Operating Margin of OPFI has grown nicely.
- OPFI's Gross Margin of 98.87% is amongst the best of the industry. OPFI outperforms 96.30% of its industry peers.
- OPFI's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 34.91% | ||
| PM (TTM) | 0.68% | ||
| GM | 98.87% |
OM growth 3Y-17.28%
OM growth 5Y2.26%
PM growth 3Y-42.61%
PM growth 5Y-37.44%
GM growth 3Y0.27%
GM growth 5Y-0.04%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so OPFI is creating value.
- OPFI has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for OPFI has been reduced compared to 5 years ago.
- OPFI has a better debt/assets ratio than last year.
2.2 Solvency
- OPFI has an Altman-Z score of 2.35. This is not the best score and indicates that OPFI is in the grey zone with still only limited risk for bankruptcy at the moment.
- With an excellent Altman-Z score value of 2.35, OPFI belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
- The Debt to FCF ratio of OPFI is 0.89, which is an excellent value as it means it would take OPFI, only 0.89 years of fcf income to pay off all of its debts.
- With an excellent Debt to FCF ratio value of 0.89, OPFI belongs to the best of the industry, outperforming 92.59% of the companies in the same industry.
- OPFI has a Debt/Equity ratio of 6.49. This is a high value indicating a heavy dependency on external financing.
- OPFI has a Debt to Equity ratio of 6.49. This is in the lower half of the industry: OPFI underperforms 72.22% of its industry peers.
- Although OPFI does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.49 | ||
| Debt/FCF | 0.89 | ||
| Altman-Z | 2.35 |
ROIC/WACC2.5
WACC9.36%
2.3 Liquidity
- OPFI has a Current Ratio of 1.00. This is a bad value and indicates that OPFI is not financially healthy enough and could expect problems in meeting its short term obligations.
- OPFI has a Current ratio (1.00) which is in line with its industry peers.
- OPFI has a Quick Ratio of 1.00. This is a bad value and indicates that OPFI is not financially healthy enough and could expect problems in meeting its short term obligations.
- OPFI has a Quick ratio (1.00) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 85.37% over the past year.
- OPFI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.73% yearly.
- OPFI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.63%.
- The Revenue has been growing by 18.08% on average over the past years. This is quite good.
EPS 1Y (TTM)85.37%
EPS 3Y-42.85%
EPS 5Y3.73%
EPS Q2Q%39.39%
Revenue 1Y (TTM)9.63%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%13.54%
3.2 Future
- The Earnings Per Share is expected to grow by 26.38% on average over the next years. This is a very strong growth
- Based on estimates for the next years, OPFI will show a quite strong growth in Revenue. The Revenue will grow by 11.81% on average per year.
EPS Next Y68.93%
EPS Next 2Y35.89%
EPS Next 3Y26.38%
EPS Next 5YN/A
Revenue Next Year14.14%
Revenue Next 2Y12.49%
Revenue Next 3Y11.81%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
- OPFI is valuated cheaply with a Price/Earnings ratio of 6.26.
- OPFI's Price/Earnings ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 70.37% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.32, OPFI is valued rather cheaply.
- OPFI is valuated cheaply with a Price/Forward Earnings ratio of 5.43.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of OPFI indicates a rather cheap valuation: OPFI is cheaper than 87.04% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, OPFI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.26 | ||
| Fwd PE | 5.43 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 79.63% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than the industry average as 79.63% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.28 | ||
| EV/EBITDA | 5.17 |
4.3 Compensation for Growth
- OPFI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- The decent profitability rating of OPFI may justify a higher PE ratio.
- OPFI's earnings are expected to grow with 26.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.09
PEG (5Y)1.68
EPS Next 2Y35.89%
EPS Next 3Y26.38%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.63%, OPFI has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.68, OPFI pays a bit more dividend than its industry peers.
- OPFI's Dividend Yield is a higher than the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
5.2 History
- OPFI is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- OPFI pays out 165.57% of its income as dividend. This is not a sustainable payout ratio.
DP165.57%
EPS Next 2Y35.89%
EPS Next 3Y26.38%
OPPFI INC / OPFI FAQ
What is the fundamental rating for OPFI stock?
ChartMill assigns a fundamental rating of 6 / 10 to OPFI.
What is the valuation status of OPPFI INC (OPFI) stock?
ChartMill assigns a valuation rating of 8 / 10 to OPPFI INC (OPFI). This can be considered as Undervalued.
How profitable is OPPFI INC (OPFI) stock?
OPPFI INC (OPFI) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for OPFI stock?
The Price/Earnings (PE) ratio for OPPFI INC (OPFI) is 6.26 and the Price/Book (PB) ratio is 16.63.
How sustainable is the dividend of OPPFI INC (OPFI) stock?
The dividend rating of OPPFI INC (OPFI) is 2 / 10 and the dividend payout ratio is 165.57%.