OPPFI INC (OPFI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OPFI - US68386H1032 - Common Stock
9.65 USD
-0.13 (-1.33%)
9.63 USD
-0.02 (-0.21%)
We assign a fundamental rating of 6 out of 10 to OPFI. OPFI was compared to 55 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 has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! These ratings would make OPFI suitable for value and growth 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
OPFI has a Return On Assets of 0.54%. This is in the lower half of the industry: OPFI underperforms 67.27% of its industry peers.
The Return On Equity of OPFI (7.84%) is worse than 60.00% of its industry peers.
With an excellent Return On Invested Capital value of 23.43%, OPFI belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for OPFI is in line with the industry average of 11.33%.
The 3 year average ROIC (12.63%) for OPFI is below the current ROIC(23.43%), indicating increased profibility in the last year.
| 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 74.55% of its industry peers.
OPFI's Profit Margin has declined in the last couple of years.
The Operating Margin of OPFI (34.91%) is better than 89.09% of its industry peers.
In the last couple of years the Operating Margin of OPFI has grown nicely.
With an excellent Gross Margin value of 98.87%, OPFI belongs to the best of the industry, outperforming 96.36% of the companies in the same industry.
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
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.
Compared to 5 years ago, OPFI has less shares outstanding
Compared to 1 year ago, OPFI has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.37 indicates that OPFI is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.37, OPFI is in the better half of the industry, outperforming 80.00% 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.
Looking at the Debt to FCF ratio, with a value of 0.89, 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 6.49. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of OPFI (6.49) is worse than 74.55% 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 | 6.49 | ||
| Debt/FCF | 0.89 | ||
| Altman-Z | 2.37 |
ROIC/WACC2.1
WACC11.14%
2.3 Liquidity
A Current Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
OPFI has a Current ratio (1.00) which is comparable to the rest of the industry.
A Quick Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
OPFI has a Quick ratio (1.00) which is comparable to the rest of the industry.
| 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.
The Earnings Per Share has been growing slightly by 3.73% on average over the past years.
The Revenue has grown by 9.63% in the past year. This is quite good.
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)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
Based on estimates for the next years, OPFI will show a very strong growth in Earnings Per Share. The EPS will grow by 26.38% on average per year.
The Revenue is expected to grow by 11.81% on average over the next years. This is quite good.
EPS Next Y60.78%
EPS Next 2Y33.6%
EPS Next 3Y26.38%
EPS Next 5YN/A
Revenue Next Year13.85%
Revenue Next 2Y12.41%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 6.35, 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.
OPFI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
OPFI is valuated cheaply with a Price/Forward Earnings ratio of 5.69.
85.45% of the companies in the same industry are more expensive than OPFI, based on the Price/Forward Earnings ratio.
OPFI is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.22, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.35 | ||
| Fwd PE | 5.69 |
4.2 Price Multiples
80.00% of the companies in the same industry are more expensive than OPFI, based on the Enterprise Value to EBITDA ratio.
OPFI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 76.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.31 | ||
| EV/EBITDA | 5.27 |
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)0.1
PEG (5Y)1.7
EPS Next 2Y33.6%
EPS Next 3Y26.38%
5. Dividend
5.1 Amount
OPFI has a Yearly Dividend Yield of 2.53%.
Compared to an average industry Dividend Yield of 5.10, OPFI pays a bit more dividend than its industry peers.
OPFI's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.53% |
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
OPFI pays out 165.57% of its income as dividend. This is not a sustainable payout ratio.
DP165.57%
EPS Next 2Y33.6%
EPS Next 3Y26.38%
9.65
-0.13 (-1.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners55.84%
Inst Owner Change31.28%
Ins Owners6.22%
Ins Owner Change-7.78%
Market Cap833.37M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target14.79 (53.26%)
Short Float %17.69%
Short Ratio5.93
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.53% |
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP165.57%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)45.24%
Min EPS beat(2)40.93%
Max EPS beat(2)49.55%
EPS beat(4)4
Avg EPS beat(4)47.82%
Min EPS beat(4)40.93%
Max EPS beat(4)53.74%
EPS beat(8)8
Avg EPS beat(8)56.95%
EPS beat(12)11
Avg EPS beat(12)124.88%
EPS beat(16)14
Avg EPS beat(16)341.2%
Revenue beat(2)0
Avg Revenue beat(2)-0.9%
Min Revenue beat(2)-0.9%
Max Revenue beat(2)-0.9%
Revenue beat(4)0
Avg Revenue beat(4)-0.56%
Min Revenue beat(4)-0.9%
Max Revenue beat(4)-0.14%
Revenue beat(8)3
Avg Revenue beat(8)-0.24%
Revenue beat(12)7
Avg Revenue beat(12)0.81%
Revenue beat(16)10
Avg Revenue beat(16)1.8%
PT rev (1m)2.35%
PT rev (3m)2.35%
EPS NQ rev (1m)5.2%
EPS NQ rev (3m)5.2%
EPS NY rev (1m)5.27%
EPS NY rev (3m)5.27%
Revenue NQ rev (1m)2.52%
Revenue NQ rev (3m)2.52%
Revenue NY rev (1m)0.73%
Revenue NY rev (3m)1.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.35 | ||
| Fwd PE | 5.69 | ||
| P/S | 1.45 | ||
| P/FCF | 2.31 | ||
| P/OCF | 2.2 | ||
| P/B | 16.86 | ||
| P/tB | 16.86 | ||
| EV/EBITDA | 5.27 |
EPS(TTM)1.52
EY15.75%
EPS(NY)1.7
Fwd EY17.57%
FCF(TTM)4.17
FCFY43.24%
OCF(TTM)4.39
OCFY45.48%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.1
PEG (5Y)1.7
Graham Number4.42
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.54% | ||
| ROE | 7.84% | ||
| ROCE | 29.65% | ||
| ROIC | 23.43% | ||
| ROICexc | 26.36% | ||
| ROICexgc | 27.26% | ||
| OM | 34.91% | ||
| PM (TTM) | 0.68% | ||
| GM | 98.87% | ||
| FCFM | 62.83% |
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%
ROICexgc growth 3Y-7.69%
ROICexgc 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 Turnover0.8
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.49 | ||
| Debt/FCF | 0.89 | ||
| Debt/EBITDA | 1.55 | ||
| Cap/Depr | 285.52% | ||
| Cap/Sales | 3.25% | ||
| Interest Coverage | 5.21 | ||
| Cash Conversion | 183.33% | ||
| Profit Quality | 9302.25% | ||
| Current Ratio | 1 | ||
| Quick Ratio | 1 | ||
| Altman-Z | 2.37 |
F-Score6
WACC11.14%
ROIC/WACC2.1
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)85.37%
EPS 3Y-42.85%
EPS 5Y3.73%
EPS Q2Q%39.39%
EPS Next Y60.78%
EPS Next 2Y33.6%
EPS Next 3Y26.38%
EPS Next 5YN/A
Revenue 1Y (TTM)9.63%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%13.54%
Revenue Next Year13.85%
Revenue Next 2Y12.41%
Revenue Next 3Y11.81%
Revenue Next 5YN/A
EBIT growth 1Y57.3%
EBIT growth 3Y-5.31%
EBIT growth 5Y20.75%
EBIT Next Year108.45%
EBIT Next 3Y30.7%
EBIT Next 5YN/A
FCF growth 1Y31.23%
FCF growth 3Y26.67%
FCF growth 5Y16.91%
OCF growth 1Y33.17%
OCF growth 3Y24.62%
OCF growth 5Y16.81%
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 for 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.
What is the financial health of OPPFI INC (OPFI) stock?
The financial health rating of OPPFI INC (OPFI) is 6 / 10.
Can you provide the expected EPS growth for OPFI stock?
The Earnings per Share (EPS) of OPPFI INC (OPFI) is expected to grow by 60.78% in the next year.