OPPFI INC (OPFI) Stock Fundamental Analysis
NYSE:OPFI - New York Stock Exchange, Inc. - US68386H1032 - Common Stock - Currency: USD
Taking everything into account, OPFI scores 6 out of 10 in our fundamental rating. OPFI was compared to 53 industry peers in the Consumer Finance industry. OPFI is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. OPFI may be a bit undervalued, certainly considering the very reasonable score on growth With these ratings, OPFI could be worth investigating further 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.
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 (-1.51%) than 77.36% of its industry peers.
OPFI's Return On Equity of -42.80% is on the low side compared to the rest of the industry. OPFI is outperformed by 86.79% of its industry peers.
The Return On Invested Capital of OPFI (23.14%) is better than 90.57% of its industry peers.
OPFI had an Average Return On Invested Capital over the past 3 years of 12.63%. This is above the industry average of 10.37%.
The last Return On Invested Capital (23.14%) for OPFI is above the 3 year average (12.63%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.51% | ||
| ROE | -42.8% | ||
| ROIC | 23.14% |
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 has a Operating Margin of 32.30%. This is amongst the best in the industry. OPFI outperforms 90.57% 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 98.76%, OPFI belongs to the top of the industry, outperforming 94.34% 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 | 32.3% | ||
| PM (TTM) | N/A | ||
| GM | 98.76% |
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.
Compared to 1 year ago, OPFI has less shares outstanding
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
OPFI has an Altman-Z score of 2.48. 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.
Looking at the Altman-Z score, with a value of 2.48, OPFI is in the better half of the industry, outperforming 77.36% of the companies in the same industry.
OPFI has a debt to FCF ratio of 0.91. This is a very positive value and a sign of high solvency as it would only need 0.91 years to pay back of all of its debts.
OPFI has a Debt to FCF ratio of 0.91. This is amongst the best in the industry. OPFI outperforms 88.68% of its industry peers.
A Debt/Equity ratio of 12.77 is on the high side and indicates that OPFI has dependencies on debt financing.
OPFI's Debt to Equity ratio of 12.77 is on the low side compared to the rest of the industry. OPFI is outperformed by 86.79% 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 | 12.77 | ||
| Debt/FCF | 0.91 | ||
| Altman-Z | 2.48 |
ROIC/WACC2.41
WACC9.62%
2.3 Liquidity
OPFI has a Current Ratio of 1.38. This is a normal value and indicates that OPFI is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of OPFI (1.38) is comparable to the rest of the industry.
OPFI has a Quick Ratio of 1.38. 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 (1.38) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.38 | ||
| Quick Ratio | 1.38 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 123.64% 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.
The Revenue has been growing slightly by 3.82% in the past year.
The Revenue has been growing by 18.08% on average over the past years. This is quite good.
EPS 1Y (TTM)123.64%
EPS 3Y-42.85%
EPS 5Y3.73%
EPS Q2Q%280%
Revenue 1Y (TTM)3.82%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%10.15%
3.2 Future
OPFI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.00% yearly.
The Revenue is expected to grow by 9.70% on average over the next years. This is quite good.
EPS Next Y32.6%
EPS Next 2Y24.23%
EPS Next 3Y21%
EPS Next 5YN/A
Revenue Next Year10.86%
Revenue Next 2Y9.95%
Revenue Next 3Y9.7%
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.
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
OPFI is valuated reasonably with a Price/Earnings ratio of 8.10.
69.81% of the companies in the same industry are more expensive than OPFI, based on the Price/Earnings ratio.
OPFI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.24.
Based on the Price/Forward Earnings ratio of 6.80, the valuation of OPFI can be described as very cheap.
67.92% 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 36.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.1 | ||
| Fwd PE | 6.8 |
4.2 Price Multiples
OPFI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 77.36% 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 75.47% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.72 | ||
| EV/EBITDA | 6.13 |
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 21.00% in the coming years.
PEG (NY)0.25
PEG (5Y)2.17
EPS Next 2Y24.23%
EPS Next 3Y21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.40%, OPFI has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.15, OPFI pays a bit more dividend than its industry peers.
OPFI's Dividend Yield is comparable with the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
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 has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-24.6%
EPS Next 2Y24.23%
EPS Next 3Y21%
NYSE:OPFI (8/5/2025, 3:57:05 PM)
9.965
-0.29 (-2.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners45.94%
Inst Owner Change1.78%
Ins Owners6.9%
Ins Owner Change3.42%
Market Cap865.06M
Analysts80
Price Target14.96 (50.13%)
Short Float %26.45%
Short Ratio5.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP-24.6%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)50.4%
Min EPS beat(2)47.06%
Max EPS beat(2)53.74%
EPS beat(4)4
Avg EPS beat(4)59.57%
Min EPS beat(4)47.06%
Max EPS beat(4)83.43%
EPS beat(8)8
Avg EPS beat(8)105.53%
EPS beat(12)11
Avg EPS beat(12)129.48%
EPS beat(16)14
Avg EPS beat(16)343.31%
Revenue beat(2)0
Avg Revenue beat(2)-0.23%
Min Revenue beat(2)-0.33%
Max Revenue beat(2)-0.14%
Revenue beat(4)2
Avg Revenue beat(4)0.8%
Min Revenue beat(4)-0.33%
Max Revenue beat(4)2.74%
Revenue beat(8)5
Avg Revenue beat(8)0.4%
Revenue beat(12)9
Avg Revenue beat(12)2.2%
Revenue beat(16)11
Avg Revenue beat(16)1.68%
PT rev (1m)-0.56%
PT rev (3m)12.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.93%
EPS NY rev (1m)0.41%
EPS NY rev (3m)15.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)0.56%
Revenue NY rev (3m)0.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.1 | ||
| Fwd PE | 6.8 | ||
| P/S | 1.61 | ||
| P/FCF | 2.72 | ||
| P/OCF | 2.6 | ||
| P/B | 38.36 | ||
| P/tB | 38.36 | ||
| EV/EBITDA | 6.13 |
EPS(TTM)1.23
EY12.34%
EPS(NY)1.47
Fwd EY14.71%
FCF(TTM)3.66
FCFY36.74%
OCF(TTM)3.84
OCFY38.51%
SpS6.21
BVpS0.26
TBVpS0.26
PEG (NY)0.25
PEG (5Y)2.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.51% | ||
| ROE | -42.8% | ||
| ROCE | 29.29% | ||
| ROIC | 23.14% | ||
| ROICexc | 25.64% | ||
| ROICexgc | 26.48% | ||
| OM | 32.3% | ||
| PM (TTM) | N/A | ||
| GM | 98.76% | ||
| FCFM | 58.98% |
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-Score5
Asset Turnover0.84
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 12.77 | ||
| Debt/FCF | 0.91 | ||
| Debt/EBITDA | 1.58 | ||
| Cap/Depr | 176.42% | ||
| Cap/Sales | 2.83% | ||
| Interest Coverage | 4.29 | ||
| Cash Conversion | 182.29% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.38 | ||
| Quick Ratio | 1.38 | ||
| Altman-Z | 2.48 |
F-Score5
WACC9.62%
ROIC/WACC2.41
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 Y32.6%
EPS Next 2Y24.23%
EPS Next 3Y21%
EPS Next 5YN/A
Revenue 1Y (TTM)3.82%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%10.15%
Revenue Next Year10.86%
Revenue Next 2Y9.95%
Revenue Next 3Y9.7%
Revenue Next 5YN/A
EBIT growth 1Y78.34%
EBIT growth 3Y-5.31%
EBIT growth 5Y20.75%
EBIT Next Year83.55%
EBIT Next 3Y19.62%
EBIT Next 5YN/A
FCF growth 1Y25.83%
FCF growth 3Y26.67%
FCF growth 5Y16.91%
OCF growth 1Y26.09%
OCF growth 3Y24.62%
OCF growth 5Y16.81%