OPPFI INC (OPFI) Stock Fundamental Analysis
USA - NYSE:OPFI - US68386H1032 - Common Stock
9.63 USD
-0.43 (-4.27%)
9.4233 USD
-0.21 (-2.15%)
Overall OPFI gets a fundamental rating of 7 out of 10. We evaluated OPFI against 55 industry peers in the Consumer Finance industry. OPFI has an excellent financial health rating, but there are some minor concerns on its profitability. OPFI has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! With these ratings, OPFI could be worth investigating further 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.
Of the past 5 years OPFI 4 years were profitable.
In the past 5 years OPFI always reported a positive cash flow from operatings.
1.2 Ratios
OPFI has a worse Return On Assets (-4.97%) than 87.27% of its industry peers.
OPFI has a worse Return On Equity (-250.90%) than 89.09% of its industry peers.
Looking at the Return On Invested Capital, with a value of 23.55%, OPFI belongs to the top of the industry, outperforming 90.91% of the companies in the same industry.
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 10.98%.
The last Return On Invested Capital (23.55%) for OPFI is above the 3 year average (12.63%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -4.97% | ||
| ROE | -250.9% | ||
| ROIC | 23.55% |
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
In the last couple of years the Profit Margin of OPFI has declined.
OPFI's Operating Margin of 33.89% is amongst the best of the industry. OPFI outperforms 89.09% of its industry peers.
OPFI's Operating Margin has improved in the last couple of years.
OPFI has a Gross Margin of 98.83%. This is amongst the best in the industry. OPFI outperforms 94.55% of its industry peers.
In the last couple of years the Gross Margin of OPFI has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 33.89% | ||
| PM (TTM) | N/A | ||
| GM | 98.83% |
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
OPFI has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
OPFI has less shares outstanding than it did 1 year ago.
OPFI has less shares outstanding than it did 5 years ago.
The debt/assets ratio for OPFI has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.33 indicates that OPFI is not a great score, but indicates only limited risk for bankruptcy at the moment.
OPFI has a better Altman-Z score (2.33) than 78.18% of its industry peers.
OPFI has a debt to FCF ratio of 0.92. This is a very positive value and a sign of high solvency as it would only need 0.92 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.92, OPFI belongs to the top of the industry, outperforming 90.91% of the companies in the same industry.
OPFI has a Debt/Equity ratio of 22.91. This is a high value indicating a heavy dependency on external financing.
OPFI has a Debt to Equity ratio of 22.91. This is amonst the worse of the industry: OPFI underperforms 89.09% of its industry peers.
Even though the debt/equity ratio score it not favorable for OPFI, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 22.91 | ||
| Debt/FCF | 0.92 | ||
| Altman-Z | 2.33 |
ROIC/WACC1.97
WACC11.94%
2.3 Liquidity
A Current Ratio of 1.17 indicates that OPFI should not have too much problems paying its short term obligations.
OPFI has a Current ratio (1.17) which is comparable to the rest of the industry.
OPFI has a Quick Ratio of 1.17. This is a normal value and indicates that OPFI is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of OPFI (1.17) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.17 | ||
| Quick Ratio | 1.17 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 113.85% over the past year.
Measured over the past 5 years, OPFI shows a small growth in Earnings Per Share. The EPS has been growing by 3.73% on average per year.
OPFI shows a small growth in Revenue. In the last year, the Revenue has grown by 6.78%.
Measured over the past years, OPFI shows a quite strong growth in Revenue. The Revenue has been growing by 18.08% on average per year.
EPS 1Y (TTM)113.85%
EPS 3Y-42.85%
EPS 5Y3.73%
EPS Q2Q%55.17%
Revenue 1Y (TTM)6.78%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%12.78%
3.2 Future
OPFI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.38% yearly.
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 Y52.73%
EPS Next 2Y29%
EPS Next 3Y26.38%
EPS Next 5YN/A
Revenue Next Year13.02%
Revenue Next 2Y12.16%
Revenue Next 3Y11.81%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
Based on the Price/Earnings ratio of 6.93, the valuation of OPFI can be described as very cheap.
OPFI's Price/Earnings ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 74.55% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.02, OPFI is valued rather cheaply.
The Price/Forward Earnings ratio is 6.09, which indicates a rather cheap valuation of OPFI.
80.00% of the companies in the same industry are more expensive than OPFI, based on the Price/Forward Earnings ratio.
OPFI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.93 | ||
| Fwd PE | 6.09 |
4.2 Price Multiples
OPFI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. OPFI is cheaper than 81.82% of the companies in the same industry.
OPFI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.52 | ||
| EV/EBITDA | 5.46 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
OPFI has a very decent profitability rating, which 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)0.13
PEG (5Y)1.86
EPS Next 2Y29%
EPS Next 3Y26.38%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.60%, OPFI has a reasonable but not impressive dividend return.
In the last 3 months the price of OPFI has falen by -21.52%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
OPFI's Dividend Yield is a higher than the industry average which is at 4.51.
Compared to an average S&P500 Dividend Yield of 2.44, OPFI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.6% |
5.2 History
OPFI does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
The earnings of OPFI are negative and hence is the payout ratio. OPFI will probably not be able to sustain this dividend level.
DP-19.15%
EPS Next 2Y29%
EPS Next 3Y26.38%
9.63
-0.43 (-4.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners55.84%
Inst Owner Change-0.12%
Ins Owners6.22%
Ins Owner Change-14.21%
Market Cap840.80M
Analysts80
Price Target14.45 (50.05%)
Short Float %19.11%
Short Ratio4.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.6% |
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP-19.15%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)48.31%
Min EPS beat(2)47.06%
Max EPS beat(2)49.55%
EPS beat(4)4
Avg EPS beat(4)51.1%
Min EPS beat(4)47.06%
Max EPS beat(4)54.06%
EPS beat(8)8
Avg EPS beat(8)67.88%
EPS beat(12)11
Avg EPS beat(12)131.14%
EPS beat(16)14
Avg EPS beat(16)340.76%
Revenue beat(2)0
Avg Revenue beat(2)-0.52%
Min Revenue beat(2)-0.9%
Max Revenue beat(2)-0.14%
Revenue beat(4)1
Avg Revenue beat(4)0.34%
Min Revenue beat(4)-0.9%
Max Revenue beat(4)2.74%
Revenue beat(8)4
Avg Revenue beat(8)-0.03%
Revenue beat(12)8
Avg Revenue beat(12)1.88%
Revenue beat(16)11
Avg Revenue beat(16)1.97%
PT rev (1m)0%
PT rev (3m)-3.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.56%
EPS NY rev (1m)0%
EPS NY rev (3m)15.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.08%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.93 | ||
| Fwd PE | 6.09 | ||
| P/S | 1.51 | ||
| P/FCF | 2.52 | ||
| P/OCF | 2.39 | ||
| P/B | 62.98 | ||
| P/tB | 62.98 | ||
| EV/EBITDA | 5.46 |
EPS(TTM)1.39
EY14.43%
EPS(NY)1.58
Fwd EY16.42%
FCF(TTM)3.83
FCFY39.74%
OCF(TTM)4.03
OCFY41.8%
SpS6.36
BVpS0.15
TBVpS0.15
PEG (NY)0.13
PEG (5Y)1.86
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -4.97% | ||
| ROE | -250.9% | ||
| ROCE | 29.8% | ||
| ROIC | 23.55% | ||
| ROICexc | 26.88% | ||
| ROICexgc | 27.78% | ||
| OM | 33.89% | ||
| PM (TTM) | N/A | ||
| GM | 98.83% | ||
| FCFM | 60.2% |
ROA(3y)0.73%
ROA(5y)6.88%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)12.63%
ROIC(5y)19.21%
ROICexc(3y)14.57%
ROICexc(5y)21.38%
ROICexgc(3y)14.99%
ROICexgc(5y)22%
ROCE(3y)15.99%
ROCE(5y)24.32%
ROICexcg growth 3Y-7.69%
ROICexcg growth 5Y6.04%
ROICexc growth 3Y-7.69%
ROICexc growth 5Y6.09%
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%
F-Score6
Asset Turnover0.82
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 22.91 | ||
| Debt/FCF | 0.92 | ||
| Debt/EBITDA | 1.56 | ||
| Cap/Depr | 225.86% | ||
| Cap/Sales | 3.12% | ||
| Interest Coverage | 4.81 | ||
| Cash Conversion | 179.5% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.17 | ||
| Quick Ratio | 1.17 | ||
| Altman-Z | 2.33 |
F-Score6
WACC11.94%
ROIC/WACC1.97
Cap/Depr(3y)101.21%
Cap/Depr(5y)120.63%
Cap/Sales(3y)2.39%
Cap/Sales(5y)2.99%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)113.85%
EPS 3Y-42.85%
EPS 5Y3.73%
EPS Q2Q%55.17%
EPS Next Y52.73%
EPS Next 2Y29%
EPS Next 3Y26.38%
EPS Next 5YN/A
Revenue 1Y (TTM)6.78%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%12.78%
Revenue Next Year13.02%
Revenue Next 2Y12.16%
Revenue Next 3Y11.81%
Revenue Next 5YN/A
EBIT growth 1Y73.33%
EBIT growth 3Y-5.31%
EBIT growth 5Y20.75%
EBIT Next Year108.45%
EBIT Next 3Y30.7%
EBIT Next 5YN/A
FCF growth 1Y24.62%
FCF growth 3Y26.67%
FCF growth 5Y16.91%
OCF growth 1Y25.92%
OCF growth 3Y24.62%
OCF growth 5Y16.81%