OPPFI INC (OPFI)
US68386H1032 - Common Stock
OPFI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 51 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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
The Return On Assets of OPFI (-0.16%) is worse than 66.67% of its industry peers.
With a Return On Equity value of -9.26%, OPFI is not doing good in the industry: 72.55% of the companies in the same industry are doing better.
OPFI has a Return On Invested Capital of 13.18%. This is amongst the best in the industry. OPFI outperforms 92.16% of its industry peers.
The Average Return On Invested Capital over the past 3 years for OPFI is significantly above the industry average of 6.56%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.16% | ||
| ROE | -9.26% | ||
| ROIC | 13.18% |
ROA(3y)2.05%
ROA(5y)8.96%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)15.45%
ROIC(5y)18.52%
1.3 Margins
The Operating Margin of OPFI (18.20%) is better than 70.59% of its industry peers.
OPFI's Operating Margin has been stable in the last couple of years.
With an excellent Gross Margin value of 97.95%, OPFI belongs to the best 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 | 18.2% | ||
| PM (TTM) | N/A | ||
| GM | 97.95% |
OM growth 3Y-18.76%
OM growth 5Y-1.32%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.21%
GM growth 5Y-0.22%
2. Health
2.1 Basic Checks
OPFI has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for OPFI has been increased compared to 1 year ago.
OPFI has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.51, we must say that OPFI is in the distress zone and has some risk of bankruptcy.
OPFI's Altman-Z score of 1.51 is fine compared to the rest of the industry. OPFI outperforms 72.55% of its industry peers.
OPFI has a debt to FCF ratio of 1.16. This is a very positive value and a sign of high solvency as it would only need 1.16 years to pay back of all of its debts.
OPFI has a better Debt to FCF ratio (1.16) than 92.16% of its industry peers.
A Debt/Equity ratio of 31.86 is on the high side and indicates that OPFI has dependencies on debt financing.
With a Debt to Equity ratio value of 31.86, OPFI is not doing good in the industry: 92.16% of the companies in the same industry are doing better.
Although OPFI does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. 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 | 31.86 | ||
| Debt/FCF | 1.16 | ||
| Altman-Z | 1.51 |
ROIC/WACC1.24
WACC10.59%
2.3 Liquidity
OPFI has a Current Ratio of 0.78. This is a bad value and indicates that OPFI is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.78, OPFI perfoms like the industry average, outperforming 43.14% of the companies in the same industry.
OPFI has a Quick Ratio of 0.78. This is a bad value and indicates that OPFI is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.78, OPFI perfoms like the industry average, outperforming 43.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.78 | ||
| Quick Ratio | 0.78 |
3. Growth
3.1 Past
OPFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 655.56%, which is quite impressive.
Looking at the last year, OPFI shows a quite strong growth in Revenue. The Revenue has grown by 13.10% in the last year.
Measured over the past years, OPFI shows a very strong growth in Revenue. The Revenue has been growing by 34.99% on average per year.
EPS 1Y (TTM)655.56%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q152.63%
Revenue 1Y (TTM)13.1%
Revenue growth 3Y20.72%
Revenue growth 5Y34.99%
Revenue growth Q2Q10.77%
3.2 Future
The Earnings Per Share is expected to grow by 12.92% on average over the next years. This is quite good.
The Revenue is expected to grow by 4.06% on average over the next years.
EPS Next Y12.2%
EPS Next 2Y12.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.78%
Revenue Next 2Y4.06%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
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
The Price/Earnings ratio is 5.52, which indicates a rather cheap valuation of OPFI.
Based on the Price/Earnings ratio, OPFI is valued a bit cheaper than the industry average as 78.43% of the companies are valued more expensively.
OPFI is valuated cheaply when we compare the Price/Earnings ratio to 27.73, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 4.92, the valuation of OPFI can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OPFI indicates a rather cheap valuation: OPFI is cheaper than 90.20% of the companies listed in the same industry.
OPFI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.52 | ||
| Fwd PE | 4.92 |
4.2 Price Multiples
86.27% 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 rather cheap when compared to the industry. OPFI is cheaper than 86.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.07 | ||
| EV/EBITDA | 5.35 |
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.
A more expensive valuation may be justified as OPFI's earnings are expected to grow with 12.92% in the coming years.
PEG (NY)0.45
PEG (5Y)N/A
EPS Next 2Y12.92%
EPS Next 3YN/A
5. Dividend
5.1 Amount
OPFI has a Yearly Dividend Yield of 4.35%, which is a nice return.
OPFI's Dividend Yield is rather good when compared to the industry average which is at 4.20. OPFI pays more dividend than 82.35% of the companies in the same industry.
OPFI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.35% |
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
OPFI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-1057.91%
EPS Next 2Y12.92%
EPS Next 3YN/A
OPPFI INC
NYSE:OPFI (5/3/2024, 7:10:27 PM)
After market: 2.76 0 (0%)2.76
-0.02 (-0.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap306.14M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.35% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.52 | ||
| Fwd PE | 4.92 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.45
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.16% | ||
| ROE | -9.26% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 18.2% | ||
| PM (TTM) | N/A | ||
| GM | 97.95% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.85
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 31.86 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 0.78 | ||
| Quick Ratio | 0.78 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)655.56%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y12.2%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)13.1%
Revenue growth 3Y20.72%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y