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. OPRT is valued quite cheap, while showing a decent growth score. This is a good combination!

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

OPRT had positive earnings in the past year.
OPRT had a positive operating cash flow in the past year.
In the past 5 years OPRT reported 4 times negative net income.
In the past 5 years OPRT always reported a positive cash flow from operatings.

1.2 Ratios

With a Return On Assets value of 0.96%, OPRT is not doing good in the industry: 67.92% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 7.97%, OPRT is doing worse than 64.15% of the companies in the same industry.
OPRT's Return On Invested Capital of 1.05% is in line compared to the rest of the industry. OPRT outperforms 41.51% of its industry peers.

		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.
With a Operating Margin value of 10.13%, OPRT perfoms like the industry average, 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.
OPRT has more shares outstanding than it did 1 year ago.
OPRT has more shares outstanding than it did 5 years ago.
The debt/assets ratio for OPRT is higher compared to a year ago.

2.2 Solvency

Based on the Altman-Z score of 0.14, we must say that OPRT is in the distress zone and 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's Debt to FCF ratio of 7.36 is fine compared to the rest of the industry. OPRT outperforms 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's Debt to Equity ratio of 7.11 is on the low side compared to the rest of the industry. OPRT is outperformed by 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

WACC6.69%

2.3 Liquidity

A Current Ratio of 1.72 indicates that OPRT should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.72, OPRT is doing good in the industry, outperforming 67.92% of the companies in the same industry.
A Quick Ratio of 1.72 indicates that OPRT should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.72, OPRT is in the better half of the industry, outperforming 67.92% of the companies in the same industry.

		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.
The earnings per share for OPRT have been decreasing by -35.80% on average. This is quite bad
The Revenue has grown by 49.25% in the past year. This is a very strong growth!
Measured over the past years, OPRT shows a decrease in Revenue. The Revenue has been decreasing by -7.77% on average per year.

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

OPRT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 39.86% yearly.
Based on estimates for the next years, OPRT will show a small growth in Revenue. The Revenue will grow by 1.89% on average per year.

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

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 Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

OPRT is valuated cheaply with a Price/Earnings ratio of 3.45.
Based on the Price/Earnings ratio, OPRT is valued cheaply inside the industry as 86.79% of the companies are valued more expensively.
OPRT is valuated cheaply when we compare the Price/Earnings ratio to 28.39, which is the current average of the S&P500 Index.
OPRT is valuated cheaply with a Price/Forward Earnings ratio of 3.45.
OPRT's Price/Forward Earnings ratio is rather cheap when compared to the industry. OPRT is cheaper than 90.57% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 25.72. OPRT is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	3.45
Fwd PE	3.45

4.2 Price Multiples

OPRT's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, OPRT is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	0.65
EV/EBITDA	33.8

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.
A more expensive valuation may be justified as OPRT's earnings are expected to grow with 39.86% in the coming years.