OPPFI INC (OPFI) Stock Fundamental Analysis
NYSE:OPFI - US68386H1032 - Common Stock
10.73 USD
+0.76 (+7.62%)
10.7499 USD
+0.02 (+0.19%)
Taking everything into account, OPFI scores 7 out of 10 in our fundamental rating. OPFI was compared to 53 industry peers in the Consumer Finance industry. While OPFI has a great health rating, its profitability is only average at the moment. OPFI is growing strongly while it also seems undervalued. This is an interesting combination This makes OPFI very considerable for value and growth investing!
1. Profitability
1.1 Basic Checks
In the past year OPFI was profitable.
In the past year OPFI had a positive cash flow from operations.
OPFI had positive earnings in 4 of the past 5 years.
In the past 5 years OPFI always reported a positive cash flow from operatings.
1.2 Ratios
OPFI has a Return On Assets of -4.97%. This is amonst the worse of the industry: OPFI underperforms 84.91% of its industry peers.
With a Return On Equity value of -250.90%, OPFI is not doing good in the industry: 90.57% of the companies in the same industry are doing better.
With an excellent Return On Invested Capital value of 23.55%, OPFI belongs to the best of the industry, outperforming 88.68% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for OPFI is in line with the industry average of 10.74%.
The last Return On Invested Capital (23.55%) for OPFI is above the 3 year average (12.63%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -4.97% | ||
| ROE | -250.9% | ||
| ROIC | 23.55% |
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's Profit Margin has declined in the last couple of years.
OPFI has a better Operating Margin (33.89%) than 90.57% of its industry peers.
OPFI's Operating Margin has improved in the last couple of years.
The Gross Margin of OPFI (98.83%) is better than 94.34% of its industry peers.
OPFI's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 33.89% | ||
| PM (TTM) | N/A | ||
| GM | 98.83% |
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.
Compared to 1 year ago, OPFI has less shares outstanding
The number of shares outstanding for OPFI has been reduced compared to 5 years ago.
OPFI has a better debt/assets ratio than last year.
2.2 Solvency
OPFI has an Altman-Z score of 2.36. 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 2.36, OPFI is in the better half of the industry, outperforming 73.58% of the companies in the same industry.
OPFI has a debt to FCF ratio of 0.92. This is a very positive value and a sign of high solvency as it would only need 0.92 years to pay back of all of its debts.
OPFI has a better Debt to FCF ratio (0.92) than 88.68% of its industry peers.
A Debt/Equity ratio of 22.91 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 22.91, OPFI is doing worse than 90.57% of the companies in the same industry.
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 | 22.91 | ||
| Debt/FCF | 0.92 | ||
| Altman-Z | 2.36 |
ROIC/WACC2.34
WACC10.08%
2.3 Liquidity
OPFI has a Current Ratio of 1.17. This is a normal value and indicates that OPFI is financially healthy and should not expect problems in meeting its short term obligations.
With a Current ratio value of 1.17, OPFI perfoms like the industry average, outperforming 52.83% of the companies in the same industry.
OPFI has a Quick Ratio of 1.17. This is a normal value and indicates that OPFI is financially healthy and should not expect problems in meeting its short term obligations.
OPFI's Quick ratio of 1.17 is in line compared to the rest of the industry. OPFI outperforms 52.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.17 | ||
| Quick Ratio | 1.17 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 113.85% over the past year.
The Earnings Per Share has been growing slightly by 3.73% on average over the past years.
Looking at the last year, OPFI shows a small growth in Revenue. The Revenue has grown by 6.78% 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)113.85%
EPS 3Y-42.85%
EPS 5Y3.73%
EPS Q2Q%55.17%
Revenue 1Y (TTM)6.78%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%12.78%
3.2 Future
The Earnings Per Share is expected to grow by 26.38% on average over the next years. This is a very strong growth
Based on estimates for the next years, OPFI will show a quite strong growth in Revenue. The Revenue will grow by 11.81% on average per year.
EPS Next Y52.73%
EPS Next 2Y29%
EPS Next 3Y26.38%
EPS Next 5YN/A
Revenue Next Year12.26%
Revenue Next 2Y11.07%
Revenue Next 3Y11.81%
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.
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
OPFI is valuated cheaply with a Price/Earnings ratio of 7.72.
Based on the Price/Earnings ratio, OPFI is valued a bit cheaper than the industry average as 75.47% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.08. OPFI is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 6.79, which indicates a rather cheap valuation of OPFI.
81.13% of the companies in the same industry are more expensive than OPFI, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.67, OPFI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.72 | ||
| Fwd PE | 6.79 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, OPFI is valued cheaper than 81.13% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than the industry average as 79.25% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.8 | ||
| EV/EBITDA | 5.61 |
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 26.38% in the coming years.
PEG (NY)0.15
PEG (5Y)2.07
EPS Next 2Y29%
EPS Next 3Y26.38%
5. Dividend
5.1 Amount
OPFI has a Yearly Dividend Yield of 2.56%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.24, OPFI pays a bit more dividend than its industry peers.
OPFI's Dividend Yield is comparable with the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.56% |
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 has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-19.15%
EPS Next 2Y29%
EPS Next 3Y26.38%
10.73
+0.76 (+7.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners46.81%
Inst Owner Change31.84%
Ins Owners6.68%
Ins Owner Change3.19%
Market Cap936.84M
Analysts80
Price Target14.45 (34.67%)
Short Float %21.92%
Short Ratio4.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.56% |
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP-19.15%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)48.31%
Min EPS beat(2)47.06%
Max EPS beat(2)49.55%
EPS beat(4)4
Avg EPS beat(4)51.1%
Min EPS beat(4)47.06%
Max EPS beat(4)54.06%
EPS beat(8)8
Avg EPS beat(8)67.88%
EPS beat(12)11
Avg EPS beat(12)131.14%
EPS beat(16)14
Avg EPS beat(16)340.76%
Revenue beat(2)0
Avg Revenue beat(2)-0.52%
Min Revenue beat(2)-0.9%
Max Revenue beat(2)-0.14%
Revenue beat(4)1
Avg Revenue beat(4)0.34%
Min Revenue beat(4)-0.9%
Max Revenue beat(4)2.74%
Revenue beat(8)4
Avg Revenue beat(8)-0.03%
Revenue beat(12)8
Avg Revenue beat(12)1.88%
Revenue beat(16)11
Avg Revenue beat(16)1.97%
PT rev (1m)-3.41%
PT rev (3m)8.97%
EPS NQ rev (1m)7.56%
EPS NQ rev (3m)11.63%
EPS NY rev (1m)15.18%
EPS NY rev (3m)26.26%
Revenue NQ rev (1m)2.78%
Revenue NQ rev (3m)6.24%
Revenue NY rev (1m)1.26%
Revenue NY rev (3m)1.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.72 | ||
| Fwd PE | 6.79 | ||
| P/S | 1.69 | ||
| P/FCF | 2.8 | ||
| P/OCF | 2.67 | ||
| P/B | 70.17 | ||
| P/tB | 70.17 | ||
| EV/EBITDA | 5.61 |
EPS(TTM)1.39
EY12.95%
EPS(NY)1.58
Fwd EY14.73%
FCF(TTM)3.83
FCFY35.66%
OCF(TTM)4.03
OCFY37.51%
SpS6.36
BVpS0.15
TBVpS0.15
PEG (NY)0.15
PEG (5Y)2.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -4.97% | ||
| ROE | -250.9% | ||
| ROCE | 29.8% | ||
| ROIC | 23.55% | ||
| ROICexc | 26.88% | ||
| ROICexgc | 27.78% | ||
| OM | 33.89% | ||
| PM (TTM) | N/A | ||
| GM | 98.83% | ||
| FCFM | 60.2% |
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-Score6
Asset Turnover0.82
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 22.91 | ||
| Debt/FCF | 0.92 | ||
| Debt/EBITDA | 1.56 | ||
| Cap/Depr | 225.86% | ||
| Cap/Sales | 3.12% | ||
| Interest Coverage | 4.81 | ||
| Cash Conversion | 179.5% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.17 | ||
| Quick Ratio | 1.17 | ||
| Altman-Z | 2.36 |
F-Score6
WACC10.08%
ROIC/WACC2.34
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)113.85%
EPS 3Y-42.85%
EPS 5Y3.73%
EPS Q2Q%55.17%
EPS Next Y52.73%
EPS Next 2Y29%
EPS Next 3Y26.38%
EPS Next 5YN/A
Revenue 1Y (TTM)6.78%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%12.78%
Revenue Next Year12.26%
Revenue Next 2Y11.07%
Revenue Next 3Y11.81%
Revenue Next 5YN/A
EBIT growth 1Y73.33%
EBIT growth 3Y-5.31%
EBIT growth 5Y20.75%
EBIT Next Year83.57%
EBIT Next 3Y19.62%
EBIT Next 5YN/A
FCF growth 1Y24.62%
FCF growth 3Y26.67%
FCF growth 5Y16.91%
OCF growth 1Y25.92%
OCF growth 3Y24.62%
OCF growth 5Y16.81%