OPRT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. OPRT may be in some trouble as it scores bad on both profitability and health. A decent growth rate in combination with a cheap valuation! Better keep an eye on OPRT.

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year OPRT was profitable.
OPRT had a positive operating cash flow in the past year.
OPRT had negative earnings in 4 of the past 5 years.
In the past 5 years OPRT always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.96%, OPRT is doing worse than 67.92% of the companies in the same industry.
OPRT has a worse Return On Equity (7.97%) than 64.15% of its industry peers.
OPRT has a Return On Invested Capital (1.05%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.96%
ROE	7.97%
ROIC	1.05%

ROA(3y)-3.29%

ROA(5y)-2.1%

ROE(3y)-26.98%

ROE(5y)-16.55%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

OPRT's Profit Margin of 7.48% is on the low side compared to the rest of the industry. OPRT is outperformed by 66.04% of its industry peers.
Looking at the Operating Margin, with a value of 10.13%, OPRT is in line with its industry, outperforming 47.17% of the companies in the same industry.

		Industry Rank	Sector Rank
OM	10.13%
PM (TTM)	7.48%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), OPRT is destroying value.
Compared to 1 year ago, OPRT has more shares outstanding
The number of shares outstanding for OPRT has been increased compared to 5 years ago.
The debt/assets ratio for OPRT is higher compared to a year ago.

2.2 Solvency

OPRT has an Altman-Z score of 0.14. This is a bad value and indicates that OPRT is not financially healthy and even has some risk of bankruptcy.
OPRT has a worse Altman-Z score (0.14) than 62.26% of its industry peers.
OPRT has a debt to FCF ratio of 7.36. This is a slightly negative value and a sign of low solvency as OPRT would need 7.36 years to pay back of all of its debts.
OPRT has a better Debt to FCF ratio (7.36) than 67.92% of its industry peers.
A Debt/Equity ratio of 7.11 is on the high side and indicates that OPRT has dependencies on debt financing.
OPRT has a Debt to Equity ratio of 7.11. This is in the lower half of the industry: OPRT underperforms 77.36% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	7.11
Debt/FCF	7.36
Altman-Z	0.14

ROIC/WACC0.16

WACC6.71%

2.3 Liquidity

OPRT has a Current Ratio of 1.72. This is a normal value and indicates that OPRT is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of OPRT (1.72) is better than 67.92% of its industry peers.
A Quick Ratio of 1.72 indicates that OPRT should not have too much problems paying its short term obligations.
The Quick ratio of OPRT (1.72) is better than 67.92% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.72
Quick Ratio	1.72

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

OPRT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 567.65%, which is quite impressive.
Measured over the past years, OPRT shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -35.80% on average per year.
The Revenue has grown by 49.25% in the past year. This is a very strong growth!
The Revenue has been decreasing by -7.77% on average over the past years.

EPS 1Y (TTM)567.65%

EPS 3Y-35.8%

EPS 5YN/A

EPS Q2Q%1850%

Revenue 1Y (TTM)49.25%

Revenue growth 3Y-17.75%

Revenue growth 5Y-7.77%

Sales Q2Q%-4.52%

3.2 Future

The Earnings Per Share is expected to grow by 39.86% on average over the next years. This is a very strong growth
OPRT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.89% yearly.

EPS Next Y103.25%

EPS Next 2Y52.97%

EPS Next 3Y39.86%

EPS Next 5YN/A

Revenue Next Year-4.7%

Revenue Next 2Y-0.44%

Revenue Next 3Y1.89%

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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 3.54, the valuation of OPRT can be described as very cheap.
86.79% of the companies in the same industry are more expensive than OPRT, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.25. OPRT is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 3.54, the valuation of OPRT can be described as very cheap.
90.57% of the companies in the same industry are more expensive than OPRT, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, OPRT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	3.54
Fwd PE	3.54

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of OPRT is on the same level as its industry peers.
Based on the Price/Free Cash Flow ratio, OPRT is valued cheaply inside the industry as 98.11% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	0.67
EV/EBITDA	33.88

4.3 Compensation for Growth

OPRT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
OPRT's earnings are expected to grow with 39.86% in the coming years. This may justify a more expensive valuation.