OPPFI INC (OPFI) Stock Fundamental Analysis
NYSE:OPFI - New York Stock Exchange, Inc. - US68386H1032 - Common Stock - Currency: USD
OPFI gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 51 industry peers in the Consumer Finance industry. OPFI has an excellent profitability rating, but there are some minor concerns on its financial health. OPFI may be a bit undervalued, certainly considering the very reasonable score on growth This makes OPFI very considerable for value investing!
1. Profitability
1.1 Basic Checks
OPFI had positive earnings in the past year.
OPFI had a positive operating cash flow in the past year.
OPFI had positive earnings in 4 of the past 5 years.
OPFI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of OPFI (1.13%) is worse than 62.75% of its industry peers.
With a decent Return On Equity value of 22.15%, OPFI is doing good in the industry, outperforming 78.43% of the companies in the same industry.
The Return On Invested Capital of OPFI (19.90%) is better than 92.16% of its industry peers.
The Average Return On Invested Capital over the past 3 years for OPFI is above the industry average of 9.32%.
The last Return On Invested Capital (19.90%) for OPFI is above the 3 year average (12.63%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.13% | ||
| ROE | 22.15% | ||
| ROIC | 19.9% |
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 Profit Margin of 1.38%. This is in the lower half of the industry: OPFI underperforms 76.47% of its industry peers.
In the last couple of years the Profit Margin of OPFI has declined.
OPFI's Operating Margin of 27.04% is amongst the best of the industry. OPFI outperforms 82.35% of its industry peers.
OPFI's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 98.65%, OPFI belongs to the top of the industry, outperforming 94.12% of the companies in the same industry.
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 | 27.04% | ||
| PM (TTM) | 1.38% | ||
| GM | 98.65% |
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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 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.
The debt/assets ratio for OPFI has been reduced compared to a year ago.
2.2 Solvency
OPFI has an Altman-Z score of 2.44. 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 a decent Altman-Z score value of 2.44, OPFI is doing good in the industry, outperforming 74.51% of the companies in the same industry.
OPFI has a debt to FCF ratio of 1.03. This is a very positive value and a sign of high solvency as it would only need 1.03 years to pay back of all of its debts.
The Debt to FCF ratio of OPFI (1.03) is better than 90.20% of its industry peers.
A Debt/Equity ratio of 8.81 is on the high side and indicates that OPFI has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 8.81, OPFI is doing worse than 86.27% of the companies in the same industry.
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 | 8.81 | ||
| Debt/FCF | 1.03 | ||
| Altman-Z | 2.44 |
ROIC/WACC2.08
WACC9.58%
2.3 Liquidity
A Current Ratio of 0.83 indicates that OPFI may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.83, OPFI is in line with its industry, outperforming 47.06% of the companies in the same industry.
OPFI has a Quick Ratio of 0.83. This is a bad value and indicates that OPFI is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of OPFI (0.83) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 |
3. Growth
3.1 Past
OPFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 123.64%, which is quite impressive.
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.
Looking at the last year, OPFI shows a small growth in Revenue. The Revenue has grown by 2.74% in the last year.
OPFI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.08% yearly.
EPS 1Y (TTM)123.64%
EPS 3Y-42.85%
EPS 5Y3.73%
EPS Q2Q%280%
Revenue 1Y (TTM)2.74%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%10.15%
3.2 Future
Based on estimates for the next years, OPFI will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.68% on average per year.
Based on estimates for the next years, OPFI will show a quite strong growth in Revenue. The Revenue will grow by 9.36% on average per year.
EPS Next Y14.88%
EPS Next 2Y14.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.29%
Revenue Next 2Y9.36%
Revenue Next 3YN/A
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.26 indicates a reasonable valuation of OPFI.
Compared to the rest of the industry, the Price/Earnings ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 60.78% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 25.05. OPFI is valued rather cheaply when compared to this.
OPFI is valuated reasonably with a Price/Forward Earnings ratio of 9.12.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OPFI is on the same level as its industry peers.
OPFI is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.07, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.26 | ||
| Fwd PE | 9.12 |
4.2 Price Multiples
OPFI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. OPFI is cheaper than 80.39% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 72.55% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.18 | ||
| EV/EBITDA | 8.43 |
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.
A more expensive valuation may be justified as OPFI's earnings are expected to grow with 14.68% in the coming years.
PEG (NY)0.62
PEG (5Y)2.48
EPS Next 2Y14.68%
EPS Next 3YN/A
5. Dividend
5.1 Amount
OPFI has a Yearly Dividend Yield of 2.07%.
OPFI's Dividend Yield is a higher than the industry average which is at 4.43.
Compared to an average S&P500 Dividend Yield of 2.40, OPFI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
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 Years0
Div Non Decr Years0
5.3 Sustainability
32.71% of the earnings are spent on dividend by OPFI. This is a low number and sustainable payout ratio.
DP32.71%
EPS Next 2Y14.68%
EPS Next 3YN/A
11.39
-0.71 (-5.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners59.75%
Inst Owner Change-4.06%
Ins Owners9.55%
Ins Owner Change12.77%
Market Cap988.54M
Analysts80
Price Target13.26 (16.42%)
Short Float %19.45%
Short Ratio3.99
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP32.71%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)53.9%
Min EPS beat(2)53.74%
Max EPS beat(2)54.06%
EPS beat(4)4
Avg EPS beat(4)71.83%
Min EPS beat(4)53.74%
Max EPS beat(4)96.08%
EPS beat(8)8
Avg EPS beat(8)180.23%
EPS beat(12)11
Avg EPS beat(12)444.02%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)1.21%
Min Revenue beat(2)-0.33%
Max Revenue beat(2)2.74%
Revenue beat(4)3
Avg Revenue beat(4)0.95%
Min Revenue beat(4)-0.33%
Max Revenue beat(4)2.74%
Revenue beat(8)6
Avg Revenue beat(8)0.56%
Revenue beat(12)10
Avg Revenue beat(12)2.99%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)26.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)80.95%
EPS NY rev (1m)0%
EPS NY rev (3m)16.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.76%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)3.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.26 | ||
| Fwd PE | 9.12 | ||
| P/S | 1.88 | ||
| P/FCF | 3.18 | ||
| P/OCF | 3.05 | ||
| P/B | 30.16 | ||
| P/tB | 30.16 | ||
| EV/EBITDA | 8.43 |
EPS(TTM)1.23
EY10.8%
EPS(NY)1.25
Fwd EY10.97%
FCF(TTM)3.58
FCFY31.44%
OCF(TTM)3.73
OCFY32.76%
SpS6.06
BVpS0.38
TBVpS0.38
PEG (NY)0.62
PEG (5Y)2.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.13% | ||
| ROE | 22.15% | ||
| ROCE | 25.19% | ||
| ROIC | 19.9% | ||
| ROICexc | 23.59% | ||
| ROICexgc | 24.21% | ||
| OM | 27.04% | ||
| PM (TTM) | 1.38% | ||
| GM | 98.65% | ||
| FCFM | 59.09% |
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-Score8
Asset Turnover0.82
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.81 | ||
| Debt/FCF | 1.03 | ||
| Debt/EBITDA | 1.9 | ||
| Cap/Depr | 135.23% | ||
| Cap/Sales | 2.47% | ||
| Interest Coverage | 3.34 | ||
| Cash Conversion | 213.24% | ||
| Profit Quality | 4282.12% | ||
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 | ||
| Altman-Z | 2.44 |
F-Score8
WACC9.58%
ROIC/WACC2.08
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)123.64%
EPS 3Y-42.85%
EPS 5Y3.73%
EPS Q2Q%280%
EPS Next Y14.88%
EPS Next 2Y14.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.74%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%10.15%
Revenue Next Year10.29%
Revenue Next 2Y9.36%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y52.64%
EBIT growth 3Y-5.31%
EBIT growth 5Y20.75%
EBIT Next Year74.49%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y8.23%
FCF growth 3Y26.67%
FCF growth 5Y16.91%
OCF growth 1Y9.34%
OCF growth 3Y24.62%
OCF growth 5Y16.81%