OPPFI INC (OPFI) Fundamental Analysis & Valuation

NYSE:OPFI • US68386H1032

Current stock price

8.28 USD
-0.02 (-0.24%)
At close:
8.42 USD
+0.14 (+1.69%)
After Hours:

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

5

1. OPFI Profitability Analysis

1.1 Basic Checks

  • In the past year OPFI was profitable.
  • OPFI had a positive operating cash flow in the past year.
  • In multiple years OPFI reported negative net income over the last 5 years.
  • Of the past 5 years OPFI 4 years had a positive operating cash flow.
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.
  • With a Return On Equity value of 7.84%, OPFI is not doing good in the industry: 70.37% of the companies in the same industry are doing better.
  • Looking at the Return On Invested Capital, with a value of 23.43%, OPFI belongs to the top of the industry, outperforming 90.74% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for OPFI is in line with the industry average of 12.42%.
  • 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's Profit Margin of 0.68% is on the low side compared to the rest of the industry. OPFI is outperformed by 81.48% of its industry peers.
  • In the last couple of years the Profit Margin of OPFI has declined.
  • OPFI has a Operating Margin of 34.91%. This is amongst the best in the industry. OPFI outperforms 85.19% of its industry peers.
  • In the last couple of years the Operating Margin of OPFI has grown nicely.
  • With an excellent Gross Margin value of 98.87%, OPFI belongs to the best of the industry, outperforming 94.44% of the companies in the same industry.
  • 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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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.
  • There is no outstanding debt for OPFI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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 2.26. 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.
  • Looking at the Altman-Z score, with a value of 2.26, OPFI is in the better half of the industry, outperforming 79.63% of the companies in the same industry.
  • 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.
  • With an excellent Debt to FCF ratio value of 0.89, OPFI belongs to the best of the industry, outperforming 90.74% of the companies in the same industry.
  • OPFI has a Debt/Equity ratio of 6.49. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of OPFI (6.49) is worse than 72.22% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for OPFI, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 6.49
Debt/FCF 0.89
Altman-Z 2.26
ROIC/WACC2.51
WACC9.35%
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.
  • OPFI's Current ratio of 1.00 is in line compared to the rest of the industry. OPFI outperforms 44.44% of its industry peers.
  • A Quick Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
  • With a Quick ratio value of 1.00, OPFI perfoms like the industry average, outperforming 44.44% 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

3

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.
EPS 1Y (TTM)67.37%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%30.43%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%17.33%

3.2 Future

  • Based on estimates for the next years, OPFI will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.41% on average per year.
  • The Revenue is expected to grow by 11.80% on average over the next years. This is quite good.
EPS Next Y11.62%
EPS Next 2Y13.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.97%
Revenue Next 2Y11.8%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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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8

4. OPFI Valuation Analysis

4.1 Price/Earnings Ratio

  • OPFI is valuated cheaply with a Price/Earnings ratio of 5.21.
  • Based on the Price/Earnings ratio, OPFI is valued a bit cheaper than 74.07% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of OPFI to the average of the S&P500 Index (25.70), we can say OPFI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 4.67, the valuation of OPFI can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, OPFI is valued cheaply inside the industry as 87.04% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of OPFI to the average of the S&P500 Index (23.84), we can say OPFI is valued rather cheaply.
Industry RankSector Rank
PE 5.21
Fwd PE 4.67
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

  • 77.78% of the companies in the same industry are more expensive than OPFI, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than the industry average as 74.07% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.98
EV/EBITDA 4.65
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.
  • A more expensive valuation may be justified as OPFI's earnings are expected to grow with 13.41% in the coming years.
PEG (NY)0.45
PEG (5Y)N/A
EPS Next 2Y13.41%
EPS Next 3YN/A

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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 3.02%.
  • The stock price of OPFI dropped by -25.34% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 3.06, OPFI pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, OPFI pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.02%

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

  • OPFI pays out 165.57% of its income as dividend. This is not a sustainable payout ratio.
DP165.57%
EPS Next 2Y13.41%
EPS Next 3YN/A
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 (3/13/2026, 8:04:00 PM)

After market: 8.42 +0.14 (+1.69%)

8.28

-0.02 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-11
Earnings (Next)05-05
Inst Owners81%
Inst Owner Change7.4%
Ins Owners5.41%
Ins Owner Change-25.96%
Market Cap715.06M
Revenue(TTM)N/A
Net Income(TTM)3.87M
Analysts80
Price Target15.47 (86.84%)
Short Float %14.51%
Short Ratio7.53
Dividend
Industry RankSector Rank
Dividend Yield 3.02%
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)0%
PT rev (3m)4.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.45%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)-0.05%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.05%
Valuation
Industry RankSector Rank
PE 5.21
Fwd PE 4.67
P/S 1.25
P/FCF 1.98
P/OCF 1.89
P/B 14.47
P/tB 14.47
EV/EBITDA 4.65
EPS(TTM)1.59
EY19.2%
EPS(NY)1.77
Fwd EY21.43%
FCF(TTM)4.17
FCFY50.4%
OCF(TTM)4.39
OCFY53%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.45
PEG (5Y)N/A
Graham Number4.52
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 2.26
F-Score6
WACC9.35%
ROIC/WACC2.51
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)67.37%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%30.43%
EPS Next Y11.62%
EPS Next 2Y13.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%17.33%
Revenue Next Year10.97%
Revenue Next 2Y11.8%
Revenue Next 3YN/A
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 Fundamental Analysis FAQ

What is the fundamental rating for OPFI stock?

ChartMill assigns a fundamental rating of 5 / 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 5 / 10.


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

The Price/Earnings (PE) ratio for OPPFI INC (OPFI) is 5.21 and the Price/Book (PB) ratio is 14.47.


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

The dividend rating of OPPFI INC (OPFI) is 3 / 10 and the dividend payout ratio is 165.57%.