OFS CAPITAL CORP (OFS) Stock Fundamental Analysis
NASDAQ:OFS • US67103B1008
4.16 USD
+0.01 (+0.24%)
At close: Feb 17, 2026
4.24 USD
+0.08 (+1.92%)
After Hours: 2/10/2026, 8:00:02 PM
We assign a fundamental rating of 3 out of 10 to OFS. OFS was compared to 237 industry peers in the Capital Markets industry. OFS may be in some trouble as it scores bad on both profitability and health. OFS is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year OFS was profitable.
- OFS had a positive operating cash flow in the past year.
- The reported net income has been mixed in the past 5 years: OFS reported negative net income in multiple years.
- Of the past 5 years OFS 4 years had a positive operating cash flow.
1.2 Ratios
- OFS's Return On Assets of 0.85% is on the low side compared to the rest of the industry. OFS is outperformed by 70.46% of its industry peers.
- OFS's Return On Equity of 2.37% is on the low side compared to the rest of the industry. OFS is outperformed by 69.20% of its industry peers.
- With a Return On Invested Capital value of 2.91%, OFS perfoms like the industry average, outperforming 43.04% of the companies in the same industry.
- OFS had an Average Return On Invested Capital over the past 3 years of 3.14%. This is below the industry average of 7.29%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.85% | ||
| ROE | 2.37% | ||
| ROIC | 2.91% |
ROA(3y)1.7%
ROA(5y)3.17%
ROE(3y)4.01%
ROE(5y)8.45%
ROIC(3y)3.14%
ROIC(5y)2.69%
1.3 Margins
- With a Profit Margin value of 7.52%, OFS is not doing good in the industry: 68.78% of the companies in the same industry are doing better.
- OFS's Profit Margin has improved in the last couple of years.
- OFS has a better Operating Margin (32.03%) than 61.18% of its industry peers.
- OFS's Operating Margin has been stable in the last couple of years.
- OFS has a Gross Margin of 42.02%. This is comparable to the rest of the industry: OFS outperforms 43.04% of its industry peers.
- In the last couple of years the Gross Margin of OFS has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 32.03% | ||
| PM (TTM) | 7.52% | ||
| GM | 42.02% |
OM growth 3Y7.35%
OM growth 5Y-0.85%
PM growth 3Y-20.73%
PM growth 5Y26.67%
GM growth 3Y1.34%
GM growth 5Y-0.43%
2. Health
2.1 Basic Checks
- Compared to 1 year ago, OFS has about the same amount of shares outstanding.
- The number of shares outstanding for OFS remains at a similar level compared to 5 years ago.
- OFS has a better debt/assets ratio than last year.
2.2 Solvency
- OFS has an Altman-Z score of 0.20. This is a bad value and indicates that OFS is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of OFS (0.20) is worse than 69.20% of its industry peers.
- The Debt to FCF ratio of OFS is 15.46, which is on the high side as it means it would take OFS, 15.46 years of fcf income to pay off all of its debts.
- OFS has a Debt to FCF ratio of 15.46. This is comparable to the rest of the industry: OFS outperforms 58.65% of its industry peers.
- OFS has a Debt/Equity ratio of 1.73. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 1.73, OFS is doing worse than 74.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.73 | ||
| Debt/FCF | 15.46 | ||
| Altman-Z | 0.2 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- OFS has a Current Ratio of 1.61. This is a normal value and indicates that OFS is financially healthy and should not expect problems in meeting its short term obligations.
- OFS has a Current ratio of 1.61. This is in the better half of the industry: OFS outperforms 70.04% of its industry peers.
- A Quick Ratio of 1.61 indicates that OFS should not have too much problems paying its short term obligations.
- OFS's Quick ratio of 1.61 is fine compared to the rest of the industry. OFS outperforms 70.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.61 | ||
| Quick Ratio | 1.61 |
3. Growth
3.1 Past
- The earnings per share for OFS have decreased strongly by -20.77% in the last year.
- Measured over the past years, OFS shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.52% on average per year.
- OFS shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.71%.
- OFS shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.80% yearly.
EPS 1Y (TTM)-20.77%
EPS 3Y7.72%
EPS 5Y-2.52%
EPS Q2Q%-18.52%
Revenue 1Y (TTM)-13.71%
Revenue growth 3Y0.14%
Revenue growth 5Y-1.8%
Sales Q2Q%-74.57%
3.2 Future
- Based on estimates for the next years, OFS will show a very negative growth in Earnings Per Share. The EPS will decrease by -10.11% on average per year.
- OFS is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.58% yearly.
EPS Next Y-23.24%
EPS Next 2Y-10.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-11.59%
Revenue Next 2Y-7.58%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- OFS is valuated cheaply with a Price/Earnings ratio of 4.04.
- 91.56% of the companies in the same industry are more expensive than OFS, based on the Price/Earnings ratio.
- OFS is valuated cheaply when we compare the Price/Earnings ratio to 27.16, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 4.12, the valuation of OFS can be described as very cheap.
- 96.20% of the companies in the same industry are more expensive than OFS, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.10, OFS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.04 | ||
| Fwd PE | 4.12 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, OFS is valued a bit cheaper than the industry average as 70.46% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, OFS is valued cheaper than 88.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.65 | ||
| EV/EBITDA | 20.83 |
4.3 Compensation for Growth
- OFS's earnings are expected to decrease with -10.11% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-10.11%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 16.35%, OFS is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 6.03, OFS pays a better dividend. On top of this OFS pays more dividend than 93.67% of the companies listed in the same industry.
- OFS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.35% |
5.2 History
- The dividend of OFS has a limited annual growth rate of 0.30%.
- OFS has paid a dividend for at least 10 years, which is a reliable track record.
- OFS has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)0.3%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
- 553.78% of the earnings are spent on dividend by OFS. This is not a sustainable payout ratio.
- OFS's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP553.78%
EPS Next 2Y-10.11%
EPS Next 3YN/A
4.16
+0.01 (+0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)02-27 2026-02-27/amc
Inst Owners9.62%
Inst Owner Change-11.14%
Ins Owners0.59%
Ins Owner Change0%
Market Cap55.74M
Revenue(TTM)42.97M
Net Income(TTM)3.23M
Analysts45
Price TargetN/A
Short Float %1.64%
Short Ratio1.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.35% |
Yearly Dividend1.36
Dividend Growth(5Y)0.3%
DP553.78%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.05%
Min EPS beat(2)-9.24%
Max EPS beat(2)3.14%
EPS beat(4)2
Avg EPS beat(4)0.26%
Min EPS beat(4)-21.99%
Max EPS beat(4)29.14%
EPS beat(8)4
Avg EPS beat(8)0.09%
EPS beat(12)7
Avg EPS beat(12)0.74%
EPS beat(16)10
Avg EPS beat(16)7.36%
Revenue beat(2)1
Avg Revenue beat(2)-34.12%
Min Revenue beat(2)-71.95%
Max Revenue beat(2)3.72%
Revenue beat(4)2
Avg Revenue beat(4)-17.65%
Min Revenue beat(4)-71.95%
Max Revenue beat(4)11.97%
Revenue beat(8)3
Avg Revenue beat(8)-9.76%
Revenue beat(12)5
Avg Revenue beat(12)-6.46%
Revenue beat(16)7
Avg Revenue beat(16)-3.03%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-17.86%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.04 | ||
| Fwd PE | 4.12 | ||
| P/S | 1.3 | ||
| P/FCF | 3.65 | ||
| P/OCF | 3.65 | ||
| P/B | 0.41 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | 20.83 |
EPS(TTM)1.03
EY24.76%
EPS(NY)1.01
Fwd EY24.28%
FCF(TTM)1.14
FCFY27.39%
OCF(TTM)1.14
OCFY27.39%
SpS3.21
BVpS10.17
TBVpS10.17
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.85% | ||
| ROE | 2.37% | ||
| ROCE | 3.69% | ||
| ROIC | 2.91% | ||
| ROICexc | 2.95% | ||
| ROICexgc | 2.95% | ||
| OM | 32.03% | ||
| PM (TTM) | 7.52% | ||
| GM | 42.02% | ||
| FCFM | 35.54% |
ROA(3y)1.7%
ROA(5y)3.17%
ROE(3y)4.01%
ROE(5y)8.45%
ROIC(3y)3.14%
ROIC(5y)2.69%
ROICexc(3y)3.31%
ROICexc(5y)2.86%
ROICexgc(3y)3.31%
ROICexgc(5y)2.86%
ROCE(3y)3.97%
ROCE(5y)3.4%
ROICexgc growth 3Y15.02%
ROICexgc growth 5Y1.32%
ROICexc growth 3Y15.02%
ROICexc growth 5Y1.37%
OM growth 3Y7.35%
OM growth 5Y-0.85%
PM growth 3Y-20.73%
PM growth 5Y26.67%
GM growth 3Y1.34%
GM growth 5Y-0.43%
F-Score5
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.73 | ||
| Debt/FCF | 15.46 | ||
| Debt/EBITDA | 17.15 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.01 | ||
| Cash Conversion | 110.94% | ||
| Profit Quality | 472.76% | ||
| Current Ratio | 1.61 | ||
| Quick Ratio | 1.61 | ||
| Altman-Z | 0.2 |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-20.77%
EPS 3Y7.72%
EPS 5Y-2.52%
EPS Q2Q%-18.52%
EPS Next Y-23.24%
EPS Next 2Y-10.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.71%
Revenue growth 3Y0.14%
Revenue growth 5Y-1.8%
Sales Q2Q%-74.57%
Revenue Next Year-11.59%
Revenue Next 2Y-7.58%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-20.61%
EBIT growth 3Y7.51%
EBIT growth 5Y-2.64%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-78.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-78.55%
OCF growth 3YN/A
OCF growth 5YN/A
OFS CAPITAL CORP / OFS FAQ
What is the fundamental rating for OFS stock?
ChartMill assigns a fundamental rating of 3 / 10 to OFS.
What is the valuation status for OFS stock?
ChartMill assigns a valuation rating of 7 / 10 to OFS CAPITAL CORP (OFS). This can be considered as Undervalued.
What is the profitability of OFS stock?
OFS CAPITAL CORP (OFS) has a profitability rating of 3 / 10.
What are the PE and PB ratios of OFS CAPITAL CORP (OFS) stock?
The Price/Earnings (PE) ratio for OFS CAPITAL CORP (OFS) is 4.04 and the Price/Book (PB) ratio is 0.41.
Is the dividend of OFS CAPITAL CORP sustainable?
The dividend rating of OFS CAPITAL CORP (OFS) is 6 / 10 and the dividend payout ratio is 553.78%.