OPPFI INC (OPFI) Fundamental Analysis & Valuation

NYSE:OPFI • US68386H1032

Current stock price

9.19 USD
+0.18 (+2%)
At close:
9.33 USD
+0.14 (+1.52%)
After Hours:

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

7

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.
  • OPFI had positive earnings in 4 of the past 5 years.
  • OPFI had a positive operating cash flow in each of the past 5 years.
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 2025 0 100M 200M 300M 400M

1.2 Ratios

  • OPFI has a Return On Assets (3.49%) which is in line with its industry peers.
  • OPFI's Return On Equity of 45.02% is amongst the best of the industry. OPFI outperforms 96.30% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 25.55%, OPFI belongs to the top of the industry, outperforming 96.30% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for OPFI is significantly above the industry average of 9.54%.
  • The 3 year average ROIC (19.54%) for OPFI is below the current ROIC(25.55%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.49%
ROE 45.02%
ROIC 25.55%
ROA(3y)1.49%
ROA(5y)2.16%
ROE(3y)19.18%
ROE(5y)N/A
ROIC(3y)19.54%
ROIC(5y)18.36%
OPFI Yearly ROA, ROE, ROICOPFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 0 -500 -1K

1.3 Margins

  • With a Profit Margin value of 4.41%, OPFI is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
  • OPFI's Profit Margin has declined in the last couple of years.
  • OPFI's Operating Margin of 34.30% is amongst the best of the industry. OPFI outperforms 88.89% of its industry peers.
  • In the last couple of years the Operating Margin of OPFI has remained more or less at the same level.
  • OPFI has a better Gross Margin (98.90%) than 94.44% of its industry peers.
  • OPFI's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 34.3%
PM (TTM) 4.41%
GM 98.9%
OM growth 3Y68.45%
OM growth 5Y0.23%
PM growth 3Y41.16%
PM growth 5Y-30.21%
GM growth 3Y0.41%
GM growth 5Y0.06%
OPFI Yearly Profit, Operating, Gross MarginsOPFI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • The number of shares outstanding for OPFI has been reduced compared to 5 years ago.
  • 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 2025 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 2025 200M 400M 600M

2.2 Solvency

  • OPFI has an Altman-Z score of 2.17. 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 (2.17) than 79.63% of its industry peers.
  • The Debt to FCF ratio of OPFI is 0.84, which is an excellent value as it means it would take OPFI, only 0.84 years of fcf income to pay off all of its debts.
  • OPFI has a Debt to FCF ratio of 0.84. This is amongst the best in the industry. OPFI outperforms 88.89% of its industry peers.
  • OPFI has a Debt/Equity ratio of 4.41. This is a high value indicating a heavy dependency on external financing.
  • OPFI has a worse Debt to Equity ratio (4.41) than 66.67% 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 4.41
Debt/FCF 0.84
Altman-Z 2.17
ROIC/WACC2.83
WACC9.03%
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 2025 0 100M 200M 300M

2.3 Liquidity

  • A Current Ratio of 0.41 indicates that OPFI may have some problems paying its short term obligations.
  • OPFI has a worse Current ratio (0.41) than 61.11% of its industry peers.
  • A Quick Ratio of 0.41 indicates that OPFI may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.41, OPFI is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.41
Quick Ratio 0.41
OPFI Yearly Current Assets VS Current LiabilitesOPFI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

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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 67.37%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 7.25% on average over the past years.
  • Looking at the last year, OPFI shows a quite strong growth in Revenue. The Revenue has grown by 13.52% in the last year.
  • OPFI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.46% yearly.
EPS 1Y (TTM)67.37%
EPS 3Y131.56%
EPS 5Y7.25%
EPS Q2Q%30.43%
Revenue 1Y (TTM)13.52%
Revenue growth 3Y9.65%
Revenue growth 5Y15.46%
Sales Q2Q%17.33%

3.2 Future

  • OPFI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.84% yearly.
  • Based on estimates for the next years, OPFI will show a quite strong growth in Revenue. The Revenue will grow by 10.86% on average per year.
EPS Next Y14.35%
EPS Next 2Y13.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.78%
Revenue Next 2Y10.86%
Revenue Next 3YN/A
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.
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

  • OPFI is valuated cheaply with a Price/Earnings ratio of 5.78.
  • Compared to the rest of the industry, the Price/Earnings ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 75.93% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.54, OPFI is valued rather cheaply.
  • A Price/Forward Earnings ratio of 5.05 indicates a rather cheap valuation of OPFI.
  • Based on the Price/Forward Earnings ratio, OPFI is valued cheaper than 87.04% of the companies in the same industry.
  • OPFI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.68.
Industry RankSector Rank
PE 5.78
Fwd PE 5.05
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 rather cheap valuation: OPFI is cheaper than 88.89% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 77.78% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.05
EV/EBITDA 4.74
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.
  • The decent profitability rating of OPFI may justify a higher PE ratio.
  • OPFI's earnings are expected to grow with 13.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)0.8
EPS Next 2Y13.84%
EPS Next 3YN/A

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

0

5. OPFI Dividend Analysis

5.1 Amount

  • OPFI does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

OPFI Fundamentals: All Metrics, Ratios and Statistics

OPPFI INC

NYSE:OPFI (4/29/2026, 8:04:00 PM)

After market: 9.33 +0.14 (+1.52%)

9.19

+0.18 (+2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry Strength59.01
Industry Growth96.89
Earnings (Last)03-11
Earnings (Next)05-07
Inst Owners84.39%
Inst Owner Change0.11%
Ins Owners6.42%
Ins Owner Change-0.87%
Market Cap782.25M
Revenue(TTM)597.05M
Net Income(TTM)26.33M
Analysts80
Price Target14.62 (59.09%)
Short Float %11.91%
Short Ratio6.83
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.07
Dividend Growth(5Y)N/A
DP24.36%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.62%
Min EPS beat(2)2.3%
Max EPS beat(2)40.93%
EPS beat(4)4
Avg EPS beat(4)34.96%
Min EPS beat(4)2.3%
Max EPS beat(4)49.55%
EPS beat(8)8
Avg EPS beat(8)53.39%
EPS beat(12)12
Avg EPS beat(12)131.81%
EPS beat(16)15
Avg EPS beat(16)341.76%
Revenue beat(2)0
Avg Revenue beat(2)-1.6%
Min Revenue beat(2)-2.3%
Max Revenue beat(2)-0.9%
Revenue beat(4)0
Avg Revenue beat(4)-1.06%
Min Revenue beat(4)-2.3%
Max Revenue beat(4)-0.14%
Revenue beat(8)3
Avg Revenue beat(8)-0.05%
Revenue beat(12)6
Avg Revenue beat(12)0.02%
Revenue beat(16)10
Avg Revenue beat(16)1.98%
PT rev (1m)-5.49%
PT rev (3m)-1.15%
EPS NQ rev (1m)-3.68%
EPS NQ rev (3m)-17.44%
EPS NY rev (1m)2.44%
EPS NY rev (3m)3.63%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-4.34%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.12%
Valuation
Industry RankSector Rank
PE 5.78
Fwd PE 5.05
P/S 1.31
P/FCF 2.05
P/OCF 1.95
P/B 13.38
P/tB 13.38
EV/EBITDA 4.74
EPS(TTM)1.59
EY17.3%
EPS(NY)1.82
Fwd EY19.78%
FCF(TTM)4.49
FCFY48.86%
OCF(TTM)4.71
OCFY51.3%
SpS7.01
BVpS0.69
TBVpS0.69
PEG (NY)0.4
PEG (5Y)0.8
Graham Number4.95784 (-46.05%)
Profitability
Industry RankSector Rank
ROA 3.49%
ROE 45.02%
ROCE 32.35%
ROIC 25.55%
ROICexc 29.97%
ROICexgc 31.51%
OM 34.3%
PM (TTM) 4.41%
GM 98.9%
FCFM 64.01%
ROA(3y)1.49%
ROA(5y)2.16%
ROE(3y)19.18%
ROE(5y)N/A
ROIC(3y)19.54%
ROIC(5y)18.36%
ROICexc(3y)22.91%
ROICexc(5y)20.74%
ROICexgc(3y)23.78%
ROICexgc(5y)21.45%
ROCE(3y)24.73%
ROCE(5y)23.24%
ROICexgc growth 3Y83.34%
ROICexgc growth 5Y-1.67%
ROICexc growth 3Y82.12%
ROICexc growth 5Y-2.03%
OM growth 3Y68.45%
OM growth 5Y0.23%
PM growth 3Y41.16%
PM growth 5Y-30.21%
GM growth 3Y0.41%
GM growth 5Y0.06%
F-Score7
Asset Turnover0.79
Health
Industry RankSector Rank
Debt/Equity 4.41
Debt/FCF 0.84
Debt/EBITDA 1.23
Cap/Depr 370.48%
Cap/Sales 3.2%
Interest Coverage 5.67
Cash Conversion 191.14%
Profit Quality 1451.6%
Current Ratio 0.41
Quick Ratio 0.41
Altman-Z 2.17
F-Score7
WACC9.03%
ROIC/WACC2.83
Cap/Depr(3y)192.1%
Cap/Depr(5y)162.78%
Cap/Sales(3y)2.48%
Cap/Sales(5y)2.89%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)67.37%
EPS 3Y131.56%
EPS 5Y7.25%
EPS Q2Q%30.43%
EPS Next Y14.35%
EPS Next 2Y13.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.52%
Revenue growth 3Y9.65%
Revenue growth 5Y15.46%
Sales Q2Q%17.33%
Revenue Next Year10.78%
Revenue Next 2Y10.86%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y43.99%
EBIT growth 3Y84.71%
EBIT growth 5Y15.72%
EBIT Next Year37.31%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y22.97%
FCF growth 3Y18.45%
FCF growth 5Y16.07%
OCF growth 1Y23.93%
OCF growth 3Y18.15%
OCF growth 5Y15.87%

OPPFI INC / OPFI Fundamental Analysis 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.


Can you provide the profitability details for OPPFI INC?

OPPFI INC (OPFI) has a profitability rating of 7 / 10.


How financially healthy is OPPFI INC?

The financial health rating of OPPFI INC (OPFI) is 5 / 10.


Is the dividend of OPPFI INC sustainable?

The dividend rating of OPPFI INC (OPFI) is 0 / 10 and the dividend payout ratio is 24.36%.