OPPFI INC (OPFI) Fundamental Analysis & Valuation

NYSE:OPFI • US68386H1032

9.05 USD
-0.16 (-1.74%)
At close: Mar 6, 2026
9.08 USD
+0.03 (+0.33%)
After Hours: 3/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This OPFI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

6

Overall OPFI gets a fundamental rating of 6 out of 10. We evaluated OPFI against 54 industry peers in the Consumer Finance industry. OPFI has an average financial health and profitability rating. An interesting combination arises when we look at growth and value: OPFI is growing strongly while it also seems undervalued. These ratings could make OPFI a good candidate for value and growth investing.


Dividend Valuation Growth Profitability Health

6

1. OPFI Profitability Analysis

1.1 Basic Checks

  • OPFI had positive earnings in the past year.
  • OPFI had a positive operating cash flow in the past year.
  • Of the past 5 years OPFI 4 years were profitable.
  • In the past 5 years OPFI always reported a positive cash flow from operatings.
OPFI Yearly Net Income VS EBIT VS OCF VS FCFOPFI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

1.2 Ratios

  • OPFI's Return On Assets of 0.54% is on the low side compared to the rest of the industry. OPFI is outperformed by 74.07% of its industry peers.
  • OPFI has a Return On Equity of 7.84%. This is in the lower half of the industry: OPFI underperforms 70.37% of its industry peers.
  • OPFI's Return On Invested Capital of 23.43% is amongst the best of the industry. OPFI outperforms 90.74% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for OPFI is in line with the industry average of 12.33%.
  • The last Return On Invested Capital (23.43%) for OPFI is above the 3 year average (12.63%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.54%
ROE 7.84%
ROIC 23.43%
ROA(3y)0.73%
ROA(5y)6.88%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)12.63%
ROIC(5y)19.21%
OPFI Yearly ROA, ROE, ROICOPFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 -500 -1K

1.3 Margins

  • OPFI has a Profit Margin of 0.68%. This is amonst the worse of the industry: OPFI underperforms 81.48% of its industry peers.
  • OPFI's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 34.91%, OPFI belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
  • OPFI's Operating Margin has improved in the last couple of years.
  • OPFI has a better Gross Margin (98.87%) than 94.44% of its industry peers.
  • OPFI's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 34.91%
PM (TTM) 0.68%
GM 98.87%
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%
OPFI Yearly Profit, Operating, Gross MarginsOPFI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. OPFI Health Analysis

2.1 Basic Checks

  • OPFI has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • The number of shares outstanding for OPFI has been reduced compared to 1 year ago.
  • Compared to 5 years ago, OPFI has less shares outstanding
  • The debt/assets ratio for OPFI has been reduced compared to a year ago.
OPFI Yearly Shares OutstandingOPFI Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
OPFI Yearly Total Debt VS Total AssetsOPFI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

  • OPFI has an Altman-Z score of 2.33. 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 Altman-Z score of 2.33. This is in the better half of the industry: OPFI outperforms 79.63% of its industry peers.
  • OPFI has a debt to FCF ratio of 0.89. This is a very positive value and a sign of high solvency as it would only need 0.89 years to pay back of all of its debts.
  • The Debt to FCF ratio of OPFI (0.89) is better than 90.74% of its industry peers.
  • A Debt/Equity ratio of 6.49 is on the high side and indicates that OPFI has dependencies on debt financing.
  • OPFI has a Debt to Equity ratio of 6.49. This is in the lower half of the industry: OPFI underperforms 70.37% of its industry peers.
  • Although OPFI's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 6.49
Debt/FCF 0.89
Altman-Z 2.33
ROIC/WACC2.54
WACC9.24%
OPFI Yearly LT Debt VS Equity VS FCFOPFI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

  • OPFI has a Current Ratio of 1.00. This is a bad value and indicates that OPFI is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Current ratio value of 1.00, OPFI perfoms like the industry average, outperforming 46.30% of the companies in the same industry.
  • A Quick Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.00, OPFI is in line with its industry, outperforming 46.30% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1
Quick Ratio 1
OPFI Yearly Current Assets VS Current LiabilitesOPFI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. OPFI Growth Analysis

3.1 Past

  • OPFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 85.37%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 3.73% on average over the past years.
  • OPFI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.63%.
  • 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)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

  • OPFI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.15% yearly.
  • The Revenue is expected to grow by 12.56% on average over the next years. This is quite good.
EPS Next Y68.93%
EPS Next 2Y35.89%
EPS Next 3Y28.15%
EPS Next 5YN/A
Revenue Next Year14.08%
Revenue Next 2Y12.52%
Revenue Next 3Y12.56%
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.
  • 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.
OPFI Yearly Revenue VS EstimatesOPFI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
OPFI Yearly EPS VS EstimatesOPFI Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

8

4. OPFI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 5.95, the valuation of OPFI can be described as very cheap.
  • 70.37% of the companies in the same industry are more expensive than OPFI, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of OPFI to the average of the S&P500 Index (26.29), we can say OPFI is valued rather cheaply.
  • A Price/Forward Earnings ratio of 5.16 indicates a rather cheap valuation of OPFI.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of OPFI indicates a rather cheap valuation: OPFI is cheaper than 85.19% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of OPFI to the average of the S&P500 Index (24.57), we can say OPFI is valued rather cheaply.
Industry RankSector Rank
PE 5.95
Fwd PE 5.16
OPFI Price Earnings VS Forward Price EarningsOPFI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 77.78% of the companies listed in the same industry.
  • 75.93% of the companies in the same industry are more expensive than OPFI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.17
EV/EBITDA 5.04
OPFI Per share dataOPFI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 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.
  • OPFI's earnings are expected to grow with 28.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.09
PEG (5Y)1.6
EPS Next 2Y35.89%
EPS Next 3Y28.15%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. OPFI Dividend Analysis

5.1 Amount

  • OPFI has a Yearly Dividend Yield of 2.76%.
  • Compared to an average industry Dividend Yield of 2.83, OPFI pays a bit more dividend than its industry peers.
  • OPFI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.76%

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
OPFI Yearly Dividends per shareOPFI Yearly Dividends per shareYearly Dividends per share 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

  • 165.57% of the earnings are spent on dividend by OPFI. This is not a sustainable payout ratio.
DP165.57%
EPS Next 2Y35.89%
EPS Next 3Y28.15%
OPFI Yearly Income VS Free CF VS DividendOPFI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M
OPFI Dividend Payout.OPFI Dividend Payout, showing the Payout Ratio.OPFI Dividend Payout.PayoutRetained Earnings

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OPFI Fundamentals: All Metrics, Ratios and Statistics

OPPFI INC

NYSE:OPFI (3/6/2026, 8:04:00 PM)

After market: 9.08 +0.03 (+0.33%)

9.05

-0.16 (-1.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-29
Earnings (Next)03-11
Inst Owners81%
Inst Owner Change7.34%
Ins Owners5.41%
Ins Owner Change-25.96%
Market Cap781.56M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target15.47 (70.94%)
Short Float %14.51%
Short Ratio7.53
Dividend
Industry RankSector Rank
Dividend Yield 2.76%
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP165.57%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)45.24%
Min EPS beat(2)40.93%
Max EPS beat(2)49.55%
EPS beat(4)4
Avg EPS beat(4)47.82%
Min EPS beat(4)40.93%
Max EPS beat(4)53.74%
EPS beat(8)8
Avg EPS beat(8)56.95%
EPS beat(12)11
Avg EPS beat(12)124.88%
EPS beat(16)14
Avg EPS beat(16)341.2%
Revenue beat(2)0
Avg Revenue beat(2)-0.9%
Min Revenue beat(2)-0.9%
Max Revenue beat(2)-0.9%
Revenue beat(4)0
Avg Revenue beat(4)-0.56%
Min Revenue beat(4)-0.9%
Max Revenue beat(4)-0.14%
Revenue beat(8)3
Avg Revenue beat(8)-0.24%
Revenue beat(12)7
Avg Revenue beat(12)0.81%
Revenue beat(16)10
Avg Revenue beat(16)1.8%
PT rev (1m)4.6%
PT rev (3m)4.6%
EPS NQ rev (1m)-0.29%
EPS NQ rev (3m)-1.45%
EPS NY rev (1m)0%
EPS NY rev (3m)5.06%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)0.21%
Valuation
Industry RankSector Rank
PE 5.95
Fwd PE 5.16
P/S 1.36
P/FCF 2.17
P/OCF 2.06
P/B 15.81
P/tB 15.81
EV/EBITDA 5.04
EPS(TTM)1.52
EY16.8%
EPS(NY)1.75
Fwd EY19.39%
FCF(TTM)4.17
FCFY46.11%
OCF(TTM)4.39
OCFY48.49%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.09
PEG (5Y)1.6
Graham Number4.42
Profitability
Industry RankSector Rank
ROA 0.54%
ROE 7.84%
ROCE 29.65%
ROIC 23.43%
ROICexc 26.36%
ROICexgc 27.26%
OM 34.91%
PM (TTM) 0.68%
GM 98.87%
FCFM 62.83%
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 Turnover0.8
Health
Industry RankSector Rank
Debt/Equity 6.49
Debt/FCF 0.89
Debt/EBITDA 1.55
Cap/Depr 285.52%
Cap/Sales 3.25%
Interest Coverage 5.21
Cash Conversion 183.33%
Profit Quality 9302.25%
Current Ratio 1
Quick Ratio 1
Altman-Z 2.33
F-Score6
WACC9.24%
ROIC/WACC2.54
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 Y68.93%
EPS Next 2Y35.89%
EPS Next 3Y28.15%
EPS Next 5YN/A
Revenue 1Y (TTM)9.63%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%13.54%
Revenue Next Year14.08%
Revenue Next 2Y12.52%
Revenue Next 3Y12.56%
Revenue Next 5YN/A
EBIT growth 1Y57.3%
EBIT growth 3Y-5.31%
EBIT growth 5Y20.75%
EBIT Next Year116.34%
EBIT Next 3Y30.7%
EBIT Next 5YN/A
FCF growth 1Y31.23%
FCF growth 3Y26.67%
FCF growth 5Y16.91%
OCF growth 1Y33.17%
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 6 / 10 to OPFI.


What is the valuation status of OPPFI INC (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.


Can you provide the PE and PB ratios for OPFI stock?

The Price/Earnings (PE) ratio for OPPFI INC (OPFI) is 5.95 and the Price/Book (PB) ratio is 15.81.


How sustainable is the dividend of OPPFI INC (OPFI) stock?

The dividend rating of OPPFI INC (OPFI) is 2 / 10 and the dividend payout ratio is 165.57%.