Overall OPFI gets a fundamental rating of 6 out of 10. We evaluated OPFI 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 would make OPFI suitable for value and growth investing!

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

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.
In the past 5 years OPFI always reported a positive cash flow from operatings.

1.2 Ratios

OPFI has a worse Return On Assets (0.54%) than 70.37% of its industry peers.
OPFI has a Return On Equity of 7.84%. This is in the lower half of the industry: OPFI underperforms 64.81% of its industry peers.
OPFI has a Return On Invested Capital of 23.43%. This is amongst the best in the industry. OPFI outperforms 90.74% of its industry peers.
OPFI had an Average Return On Invested Capital over the past 3 years of 12.63%. This 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

With a Profit Margin value of 0.68%, 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.
Looking at the Operating Margin, with a value of 34.91%, OPFI belongs to the top 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 grown nicely.
The Gross Margin of OPFI (98.87%) is better than 96.30% of its industry peers.
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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so OPFI 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
Compared to 1 year ago, OPFI has an improved debt to assets ratio.

2.2 Solvency

An Altman-Z score of 2.38 indicates that OPFI is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of OPFI (2.38) is better than 81.48% 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 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.
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 Rank	Sector Rank
Debt/Equity	6.49
Debt/FCF	0.89
Altman-Z	2.38

ROIC/WACC2.5

WACC9.36%

2.3 Liquidity

A Current Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
OPFI's Current ratio of 1.00 is in line compared to the rest of the industry. OPFI outperforms 46.30% of its industry peers.
OPFI has a Quick 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 Quick ratio value of 1.00, OPFI perfoms like the industry average, outperforming 46.30% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	1
Quick Ratio	1

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 85.37% over the past year.
The Earnings Per Share has been growing slightly by 3.73% on average over the past years.
Looking at the last year, OPFI shows a quite strong growth in Revenue. The Revenue has grown by 9.63% in the last year.
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

The Earnings Per Share is expected to grow by 26.38% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 11.81% on average over the next years. This is quite good.

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.52, the valuation of OPFI can be described as very cheap.
Based on the Price/Earnings ratio, OPFI is valued a bit cheaper than the industry average as 70.37% of the companies are valued more expensively.
OPFI is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 5.65 indicates a rather cheap valuation of OPFI.
87.04% of the companies in the same industry are more expensive than OPFI, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, OPFI is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.52
Fwd PE	5.65

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 79.63% of the companies listed in the same industry.
OPFI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 77.78% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	2.37
EV/EBITDA	5.33

4.3 Compensation for Growth

OPFI's 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 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%

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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 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

5.3 Sustainability

OPFI pays out 165.57% of its income as dividend. This is not a sustainable payout ratio.

DP165.57%

EPS Next 2Y35.89%

EPS Next 3Y26.38%

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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%.