OPPFI INC (OPFI) Fundamental Analysis & Valuation

NYSE:OPFI • US68386H1032

Current stock price

7.58 USD
-0.13 (-1.69%)
At close:
7.58 USD
0 (0%)
After Hours:

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

4

1. OPFI Profitability Analysis

1.1 Basic Checks

  • OPFI had positive earnings in the past year.
  • In the past year OPFI had a positive cash flow from operations.
  • Of the past 5 years OPFI 4 years were profitable.
  • OPFI had a positive operating cash flow in 4 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

1.2 Ratios

  • OPFI has a worse Return On Assets (0.54%) than 74.07% of its industry peers.
  • OPFI has a worse Return On Equity (7.84%) than 66.67% 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.
Industry RankSector Rank
ROA 0.54%
ROE 7.84%
ROIC 23.43%
ROA(3y)1.49%
ROA(5y)2.16%
ROE(3y)7.01%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
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

  • Looking at the Profit Margin, with a value of 0.68%, OPFI is doing worse than 79.63% of the companies in the same industry.
  • OPFI's Profit Margin has declined in the last couple of years.
  • With an excellent Operating Margin value of 34.91%, OPFI belongs to the best of the industry, outperforming 87.04% of the companies in the same industry.
  • In the last couple of years the Operating Margin of OPFI has remained more or less at the same level.
  • 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.
  • In the last couple of years the Gross Margin of OPFI has remained more or less at the same level.
Industry RankSector Rank
OM 34.91%
PM (TTM) 0.68%
GM 98.87%
OM growth 3Y68.4%
OM growth 5Y0.21%
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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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.
  • OPFI has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for OPFI has been reduced compared to 5 years ago.
  • OPFI has a better debt/assets ratio than last year.
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

  • An Altman-Z score of 2.20 indicates that OPFI is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • OPFI has a Altman-Z score of 2.20. 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.
  • OPFI has a Debt to FCF ratio of 0.89. This is amongst the best in the industry. OPFI outperforms 92.59% 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.
  • With a Debt to Equity ratio value of 6.49, OPFI is not doing good in the industry: 72.22% of the companies in the same industry are doing better.
  • 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 2.2
ROIC/WACC2.48
WACC9.43%
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

  • 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.
  • The Current ratio of OPFI (1.00) is comparable to the rest of the industry.
  • A Quick Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
  • OPFI has a Quick ratio (1.00) which is comparable to the rest of the 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 2025 0 20M -20M 40M 60M 80M

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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.
  • Measured over the past 5 years, OPFI shows a small growth in Earnings Per Share. The EPS has been growing by 7.25% on average per year.
  • The Revenue has grown by 13.52% in the past year. This is quite good.
  • The Revenue has been growing by 15.46% on average over the past years. This is quite good.
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

  • 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.
  • OPFI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.86% yearly.
EPS Next Y11.62%
EPS Next 2Y13.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.8%
Revenue Next 2Y10.86%
Revenue Next 3YN/A
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.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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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8

4. OPFI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 4.77 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 74.07% of the companies in the same industry.
  • OPFI is valuated cheaply when we compare the Price/Earnings ratio to 25.58, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 4.27 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 22.81.
Industry RankSector Rank
PE 4.77
Fwd PE 4.27
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

  • OPFI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. OPFI is cheaper than 83.33% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than 77.78% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.79
EV/EBITDA 4.36
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's earnings are expected to grow with 13.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.41
PEG (5Y)0.66
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

  • With a Yearly Dividend Yield of 3.31%, OPFI has a reasonable but not impressive dividend return.
  • In the last 3 months the price of OPFI has falen by -25.15%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 3.15, 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 3.31%

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 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 2025 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 (4/1/2026, 4:15:00 PM)

After market: 7.58 0 (0%)

7.58

-0.13 (-1.69%)

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-27.02%
Market Cap645.21M
Revenue(TTM)597.05M
Net Income(TTM)3.87M
Analysts80
Price Target14.62 (92.88%)
Short Float %13.81%
Short Ratio6.94
Dividend
Industry RankSector Rank
Dividend Yield 3.31%
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)-5.49%
PT rev (3m)-1.15%
EPS NQ rev (1m)1.77%
EPS NQ rev (3m)0.29%
EPS NY rev (1m)1.16%
EPS NY rev (3m)1.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)-0.1%
Valuation
Industry RankSector Rank
PE 4.77
Fwd PE 4.27
P/S 1.12
P/FCF 1.79
P/OCF 1.7
P/B 13.05
P/tB 13.05
EV/EBITDA 4.36
EPS(TTM)1.59
EY20.98%
EPS(NY)1.77
Fwd EY23.41%
FCF(TTM)4.23
FCFY55.85%
OCF(TTM)4.45
OCFY58.74%
SpS6.74
BVpS0.58
TBVpS0.58
PEG (NY)0.41
PEG (5Y)0.66
Graham Number4.56
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)1.49%
ROA(5y)2.16%
ROE(3y)7.01%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y68.4%
OM growth 5Y0.21%
PM growth 3Y41.16%
PM growth 5Y-30.21%
GM growth 3Y0.41%
GM growth 5Y0.06%
F-Score7
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 2.2
F-Score7
WACC9.43%
ROIC/WACC2.48
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)67.37%
EPS 3Y131.56%
EPS 5Y7.25%
EPS Q2Q%30.43%
EPS Next Y11.62%
EPS Next 2Y13.41%
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 Year10.8%
Revenue Next 2Y10.86%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y57.3%
EBIT growth 3Y84.65%
EBIT growth 5Y15.7%
EBIT Next Year30.2%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y19.67%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y21.53%
OCF growth 3YN/A
OCF growth 5YN/A

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.


Can you provide the profitability details for OPPFI INC?

OPPFI INC (OPFI) has a profitability rating of 4 / 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 3 / 10 and the dividend payout ratio is 165.57%.