OPPFI INC (OPFI) Fundamental Analysis & Valuation
NYSE:OPFI • US68386H1032
Current stock price
9.51 USD
+0.32 (+3.48%)
At close:
9.53 USD
+0.02 (+0.21%)
After Hours:
This OPFI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. OPFI Profitability Analysis
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.
- OPFI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- OPFI has a Return On Assets (3.49%) which is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 45.02%, OPFI belongs to the top of the industry, outperforming 96.30% of the companies in the same industry.
- OPFI's Return On Invested Capital of 25.55% is amongst the best of the industry. OPFI outperforms 96.30% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for OPFI is significantly above the industry average of 9.54%.
- The last Return On Invested Capital (25.55%) for OPFI is above the 3 year average (19.54%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.49% | ||
| ROE | 45.02% | ||
| ROIC | 25.55% |
ROA(3y)1.49%
ROA(5y)2.16%
ROE(3y)19.18%
ROE(5y)N/A
ROIC(3y)19.54%
ROIC(5y)18.36%
1.3 Margins
- Looking at the Profit Margin, with a value of 4.41%, OPFI is doing worse than 77.78% of the companies in the same industry.
- In the last couple of years the Profit Margin of OPFI has declined.
- OPFI's Operating Margin of 34.30% is amongst the best of the industry. OPFI outperforms 88.89% of its industry peers.
- OPFI's Operating Margin has been stable in the last couple of years.
- OPFI has a Gross Margin of 98.90%. This is amongst the best in the industry. OPFI outperforms 94.44% 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 | 34.3% | ||
| PM (TTM) | 4.41% | ||
| GM | 98.9% |
OM growth 3Y68.45%
OM growth 5Y0.23%
PM growth 3Y41.16%
PM growth 5Y-30.21%
GM growth 3Y0.41%
GM growth 5Y0.06%
2. OPFI Health Analysis
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.
- The number of shares outstanding for OPFI has been reduced compared to 1 year ago.
- OPFI has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, OPFI has an improved debt to assets ratio.
2.2 Solvency
- OPFI has an Altman-Z score of 2.19. 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 2.19, OPFI belongs to the top of the industry, outperforming 81.48% of the companies in the same industry.
- OPFI has a debt to FCF ratio of 0.84. This is a very positive value and a sign of high solvency as it would only need 0.84 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 0.84, OPFI belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
- OPFI has a Debt/Equity ratio of 4.41. This is a high value indicating a heavy dependency on external financing.
- OPFI's Debt to Equity ratio of 4.41 is on the low side compared to the rest of the industry. OPFI is outperformed by 66.67% of its industry peers.
- Although OPFI's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 | 4.41 | ||
| Debt/FCF | 0.84 | ||
| Altman-Z | 2.19 |
ROIC/WACC2.83
WACC9.03%
2.3 Liquidity
- A Current Ratio of 0.41 indicates that OPFI may have some problems paying its short term obligations.
- OPFI has a Current ratio of 0.41. This is in the lower half of the industry: OPFI underperforms 61.11% of its industry peers.
- OPFI has a Quick Ratio of 0.41. 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 (0.41) is worse than 61.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.41 | ||
| Quick Ratio | 0.41 |
3. OPFI Growth Analysis
3.1 Past
- OPFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 67.37%, which is quite impressive.
- OPFI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.25% yearly.
- Looking at the last year, OPFI shows a quite strong growth in Revenue. The Revenue has grown by 13.52% in the last year.
- Measured over the past years, OPFI shows a quite strong growth in Revenue. The Revenue has been growing by 15.46% on average per year.
EPS 1Y (TTM)67.37%
EPS 3Y131.56%
EPS 5Y7.25%
EPS Q2Q%30.43%
Revenue 1Y (TTM)13.52%
Revenue growth 3Y9.65%
Revenue growth 5Y15.46%
Sales Q2Q%17.33%
3.2 Future
- The Earnings Per Share is expected to grow by 13.84% on average over the next years. This is quite good.
- OPFI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.86% yearly.
EPS Next Y14.35%
EPS Next 2Y13.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.78%
Revenue Next 2Y10.86%
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.
- 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. OPFI Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 5.98, the valuation of OPFI can be described as very cheap.
- Based on the Price/Earnings ratio, OPFI is valued a bit cheaper than 75.93% of the companies in the same industry.
- OPFI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.77.
- Based on the Price/Forward Earnings ratio of 5.23, the valuation of OPFI can be described as very cheap.
- OPFI's Price/Forward Earnings ratio is rather cheap when compared to the industry. OPFI is cheaper than 85.19% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of OPFI to the average of the S&P500 Index (21.75), we can say OPFI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.98 | ||
| Fwd PE | 5.23 |
4.2 Price Multiples
- OPFI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. OPFI is cheaper than 88.89% of the companies in the same industry.
- 79.63% of the companies in the same industry are more expensive than OPFI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.12 | ||
| EV/EBITDA | 4.81 |
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 13.84% in the coming years.
PEG (NY)0.42
PEG (5Y)0.83
EPS Next 2Y13.84%
EPS Next 3YN/A
5. OPFI Dividend Analysis
5.1 Amount
- OPFI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
OPFI Fundamentals: All Metrics, Ratios and Statistics
9.51
+0.32 (+3.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry Strength57.14
Industry Growth96.89
Earnings (Last)03-11 2026-03-11/bmo
Earnings (Next)05-07 2026-05-07
Inst Owners84.39%
Inst Owner Change0.11%
Ins Owners6.42%
Ins Owner Change-0.87%
Market Cap809.49M
Revenue(TTM)597.05M
Net Income(TTM)26.33M
Analysts80
Price Target14.62 (53.73%)
Short Float %11.91%
Short Ratio6.83
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend0.07
Dividend Growth(5Y)N/A
DP24.36%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.62%
Min EPS beat(2)2.3%
Max EPS beat(2)40.93%
EPS beat(4)4
Avg EPS beat(4)34.96%
Min EPS beat(4)2.3%
Max EPS beat(4)49.55%
EPS beat(8)8
Avg EPS beat(8)53.39%
EPS beat(12)12
Avg EPS beat(12)131.81%
EPS beat(16)15
Avg EPS beat(16)341.76%
Revenue beat(2)0
Avg Revenue beat(2)-1.6%
Min Revenue beat(2)-2.3%
Max Revenue beat(2)-0.9%
Revenue beat(4)0
Avg Revenue beat(4)-1.06%
Min Revenue beat(4)-2.3%
Max Revenue beat(4)-0.14%
Revenue beat(8)3
Avg Revenue beat(8)-0.05%
Revenue beat(12)6
Avg Revenue beat(12)0.02%
Revenue beat(16)10
Avg Revenue beat(16)1.98%
PT rev (1m)-5.49%
PT rev (3m)-1.15%
EPS NQ rev (1m)-3.68%
EPS NQ rev (3m)-17.44%
EPS NY rev (1m)2.44%
EPS NY rev (3m)3.63%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-4.34%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.98 | ||
| Fwd PE | 5.23 | ||
| P/S | 1.36 | ||
| P/FCF | 2.12 | ||
| P/OCF | 2.02 | ||
| P/B | 13.84 | ||
| P/tB | 13.84 | ||
| EV/EBITDA | 4.81 |
EPS(TTM)1.59
EY16.72%
EPS(NY)1.82
Fwd EY19.12%
FCF(TTM)4.49
FCFY47.21%
OCF(TTM)4.71
OCFY49.57%
SpS7.01
BVpS0.69
TBVpS0.69
PEG (NY)0.42
PEG (5Y)0.83
Graham Number4.95784 (-47.87%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.49% | ||
| ROE | 45.02% | ||
| ROCE | 32.35% | ||
| ROIC | 25.55% | ||
| ROICexc | 29.97% | ||
| ROICexgc | 31.51% | ||
| OM | 34.3% | ||
| PM (TTM) | 4.41% | ||
| GM | 98.9% | ||
| FCFM | 64.01% |
ROA(3y)1.49%
ROA(5y)2.16%
ROE(3y)19.18%
ROE(5y)N/A
ROIC(3y)19.54%
ROIC(5y)18.36%
ROICexc(3y)22.91%
ROICexc(5y)20.74%
ROICexgc(3y)23.78%
ROICexgc(5y)21.45%
ROCE(3y)24.73%
ROCE(5y)23.24%
ROICexgc growth 3Y83.34%
ROICexgc growth 5Y-1.67%
ROICexc growth 3Y82.12%
ROICexc growth 5Y-2.03%
OM growth 3Y68.45%
OM growth 5Y0.23%
PM growth 3Y41.16%
PM growth 5Y-30.21%
GM growth 3Y0.41%
GM growth 5Y0.06%
F-Score7
Asset Turnover0.79
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.41 | ||
| Debt/FCF | 0.84 | ||
| Debt/EBITDA | 1.23 | ||
| Cap/Depr | 370.48% | ||
| Cap/Sales | 3.2% | ||
| Interest Coverage | 5.67 | ||
| Cash Conversion | 191.14% | ||
| Profit Quality | 1451.6% | ||
| Current Ratio | 0.41 | ||
| Quick Ratio | 0.41 | ||
| Altman-Z | 2.19 |
F-Score7
WACC9.03%
ROIC/WACC2.83
Cap/Depr(3y)192.1%
Cap/Depr(5y)162.78%
Cap/Sales(3y)2.48%
Cap/Sales(5y)2.89%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)67.37%
EPS 3Y131.56%
EPS 5Y7.25%
EPS Q2Q%30.43%
EPS Next Y14.35%
EPS Next 2Y13.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.52%
Revenue growth 3Y9.65%
Revenue growth 5Y15.46%
Sales Q2Q%17.33%
Revenue Next Year10.78%
Revenue Next 2Y10.86%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y43.99%
EBIT growth 3Y84.71%
EBIT growth 5Y15.72%
EBIT Next Year37.31%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y22.97%
FCF growth 3Y18.45%
FCF growth 5Y16.07%
OCF growth 1Y23.93%
OCF growth 3Y18.15%
OCF growth 5Y15.87%
OPPFI INC / OPFI Fundamental Analysis 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.
Can you provide the profitability details for OPPFI INC?
OPPFI INC (OPFI) has a profitability rating of 7 / 10.
How financially healthy is OPPFI INC?
The financial health rating of OPPFI INC (OPFI) is 5 / 10.
Is the dividend of OPPFI INC sustainable?
The dividend rating of OPPFI INC (OPFI) is 0 / 10 and the dividend payout ratio is 24.36%.