OPPFI INC (OPFI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OPFI - US68386H1032 - Common Stock
9.91 USD
-0.06 (-0.6%)
9.93 USD
+0.02 (+0.2%)
OPFI gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. OPFI has only an average score on both its financial health and profitability. OPFI is evaluated to be cheap and growing strongly. This does not happen too often! These ratings could make OPFI a good candidate for value and growth investing.
1. Profitability
1.1 Basic Checks
- In the past year OPFI was profitable.
- 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.
1.2 Ratios
- With a Return On Assets value of 0.54%, OPFI is not doing good in the industry: 71.70% of the companies in the same industry are doing better.
- OPFI has a Return On Equity of 7.84%. This is in the lower half of the industry: OPFI underperforms 66.04% of its industry peers.
- OPFI has a Return On Invested Capital of 23.43%. This is amongst the best in the industry. OPFI outperforms 90.57% 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 12.42%.
- 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 Rank | Sector 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%
1.3 Margins
- OPFI has a Profit Margin of 0.68%. This is in the lower half of the industry: OPFI underperforms 79.25% of its industry peers.
- In the last couple of years the Profit Margin of OPFI has declined.
- OPFI has a better Operating Margin (34.91%) than 86.79% of its industry peers.
- OPFI's Operating Margin has improved in the last couple of years.
- Looking at the Gross Margin, with a value of 98.87%, OPFI belongs to the top of the industry, outperforming 96.23% of the companies in the same industry.
- OPFI's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
2. Health
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.
- Compared to 1 year ago, OPFI has less shares outstanding
- OPFI has less shares outstanding than it did 5 years ago.
- OPFI has a better debt/assets ratio than last year.
2.2 Solvency
- OPFI has an Altman-Z score of 2.38. 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's Altman-Z score of 2.38 is amongst the best of the industry. OPFI outperforms 81.13% 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.
- OPFI's Debt to FCF ratio of 0.89 is amongst the best of the industry. OPFI outperforms 92.45% 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.
- Looking at the Debt to Equity ratio, with a value of 6.49, OPFI is doing worse than 73.58% of the companies in the same industry.
- Although OPFI does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.49 | ||
| Debt/FCF | 0.89 | ||
| Altman-Z | 2.38 |
ROIC/WACC2.52
WACC9.31%
2.3 Liquidity
- A Current Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 1.00, OPFI is in line with its industry, outperforming 45.28% 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 45.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 85.37% over the past year.
- OPFI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.73% yearly.
- 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 26.38% yearly.
- Based on estimates for the next years, OPFI will show a quite strong growth in Revenue. The Revenue will grow by 11.81% on average per year.
EPS Next Y68.93%
EPS Next 2Y35.89%
EPS Next 3Y26.38%
EPS Next 5YN/A
Revenue Next Year14.14%
Revenue Next 2Y12.49%
Revenue Next 3Y11.81%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 6.52 indicates a rather cheap valuation of OPFI.
- OPFI's Price/Earnings ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 69.81% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.21. OPFI is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 5.65, the valuation of OPFI can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of OPFI indicates a rather cheap valuation: OPFI is cheaper than 86.79% of the companies listed 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 25.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.52 | ||
| Fwd PE | 5.65 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, OPFI is valued a bit cheaper than the industry average as 79.25% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than 77.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.37 | ||
| EV/EBITDA | 5.33 |
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 26.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.09
PEG (5Y)1.75
EPS Next 2Y35.89%
EPS Next 3Y26.38%
5. Dividend
5.1 Amount
- OPFI has a Yearly Dividend Yield of 2.52%. Purely for dividend investing, there may be better candidates out there.
- OPFI's Dividend Yield is a higher than the industry average which is at 2.63.
- Compared to an average S&P500 Dividend Yield of 1.81, OPFI pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
5.2 History
- OPFI does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
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 3Y26.38%
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 6.52 and the Price/Book (PB) ratio is 17.32.
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%.