OPPFI INC (OPFI) Stock Fundamental Analysis
USA - NYSE:OPFI - US68386H1032 - Common Stock
9.94 USD
+0.49 (+5.19%)
9.98 USD
+0.04 (+0.4%)
OPFI gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 55 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 With these ratings, OPFI could be worth investigating further 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 89.09% of its industry peers.
OPFI has a worse Return On Equity (-250.90%) than 89.09% of its industry peers.
With an excellent Return On Invested Capital value of 23.55%, 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 11.76%.
The 3 year average ROIC (12.63%) for OPFI is below the current ROIC(23.55%), indicating increased profibility in the last year.
| 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
In the last couple of years the Profit Margin of OPFI has declined.
Looking at the Operating Margin, with a value of 33.89%, OPFI belongs to the top of the industry, outperforming 89.09% of the companies in the same industry.
In the last couple of years the Operating Margin of OPFI has grown nicely.
OPFI has a Gross Margin of 98.83%. This is amongst the best in the industry. OPFI outperforms 96.36% 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 | 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.
The number of shares outstanding for OPFI has been reduced compared to 1 year ago.
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.
OPFI has a better Altman-Z score (2.36) than 80.00% of its industry peers.
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.
Looking at the Debt to FCF ratio, with a value of 0.92, 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 22.91. This is a high value indicating a heavy dependency on external financing.
OPFI has a Debt to Equity ratio of 22.91. This is amonst the worse of the industry: OPFI underperforms 89.09% 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 | 22.91 | ||
| Debt/FCF | 0.92 | ||
| Altman-Z | 2.36 |
ROIC/WACC2.02
WACC11.68%
2.3 Liquidity
A Current Ratio of 1.17 indicates that OPFI should not have too much problems paying its short term obligations.
OPFI has a Current ratio (1.17) which is comparable to the rest of the 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 has a Quick ratio of 1.17. This is comparable to the rest of the industry: OPFI outperforms 52.73% 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 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.
OPFI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.81% yearly.
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
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. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.54, which indicates a rather cheap valuation of OPFI.
Compared to the rest of the industry, the Price/Earnings ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 70.91% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.06. OPFI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 5.86, the valuation of OPFI can be described as very cheap.
81.82% of the companies in the same industry are more expensive than OPFI, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 32.73. OPFI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.54 | ||
| Fwd PE | 5.86 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 80.00% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than 76.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.6 | ||
| EV/EBITDA | 5.6 |
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.
A more expensive valuation may be justified as OPFI's earnings are expected to grow with 26.38% in the coming years.
PEG (NY)0.11
PEG (5Y)1.75
EPS Next 2Y33.6%
EPS Next 3Y26.38%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.52%, OPFI has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.75, OPFI pays a bit more dividend than its industry peers.
OPFI's Dividend Yield is comparable with the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
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
The earnings of OPFI are negative and hence is the payout ratio. OPFI will probably not be able to sustain this dividend level.
DP-19.15%
EPS Next 2Y33.6%
EPS Next 3Y26.38%
9.94
+0.49 (+5.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners55.84%
Inst Owner Change3.54%
Ins Owners6.22%
Ins Owner Change-14.36%
Market Cap867.86M
Revenue(TTM)573.52M
Net Income(TTM)-33.50M
Analysts80
Price Target14.45 (45.37%)
Short Float %18.24%
Short Ratio5.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
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)0%
PT rev (3m)-3.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.56%
EPS NY rev (1m)5.27%
EPS NY rev (3m)21.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.08%
Revenue NY rev (1m)0.73%
Revenue NY rev (3m)2.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.54 | ||
| Fwd PE | 5.86 | ||
| P/S | 1.56 | ||
| P/FCF | 2.6 | ||
| P/OCF | 2.47 | ||
| P/B | 65 | ||
| P/tB | 65 | ||
| EV/EBITDA | 5.6 |
EPS(TTM)1.52
EY15.29%
EPS(NY)1.7
Fwd EY17.06%
FCF(TTM)3.83
FCFY38.5%
OCF(TTM)4.03
OCFY40.49%
SpS6.36
BVpS0.15
TBVpS0.15
PEG (NY)0.11
PEG (5Y)1.75
Graham Number2.29
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%
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 Turnover0.82
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
WACC11.68%
ROIC/WACC2.02
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 1Y73.33%
EBIT growth 3Y-5.31%
EBIT growth 5Y20.75%
EBIT Next Year108.45%
EBIT Next 3Y30.7%
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%
OPPFI INC / OPFI FAQ
What is the fundamental rating for OPFI stock?
ChartMill assigns a fundamental rating of 7 / 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 7 / 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.