OPPFI INC (OPFI) Stock Fundamental Analysis

NYSE:OPFI • US68386H1032

9.18 USD
-0.19 (-2.03%)
At close: Feb 27, 2026
9.18 USD
0 (0%)
After Hours: 2/27/2026, 8:25:30 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to OPFI. OPFI was compared to 54 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!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year OPFI was profitable.
  • In the past year OPFI had a positive cash flow from operations.
  • 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.
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

  • With a Return On Assets value of 0.54%, OPFI is not doing good in the industry: 72.22% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 7.84%, OPFI is doing worse than 66.67% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 23.43%, OPFI belongs to the best of the industry, outperforming 90.74% of the companies in the same industry.
  • 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 12.20%.
  • The 3 year average ROIC (12.63%) for OPFI is below the current ROIC(23.43%), indicating increased profibility in the last year.
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

  • The Profit Margin of OPFI (0.68%) is worse than 79.63% of its industry peers.
  • OPFI's Profit Margin has declined in the last couple of years.
  • OPFI's Operating Margin of 34.91% is amongst the best of the industry. OPFI outperforms 87.04% of its industry peers.
  • In the last couple of years the Operating Margin of OPFI has grown nicely.
  • The Gross Margin of OPFI (98.87%) is better than 94.44% of its industry peers.
  • OPFI's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 34.91%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), OPFI 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.
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 2.34. 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 (2.34) 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.
  • OPFI's Debt to FCF ratio of 0.89 is amongst the best of the industry. OPFI outperforms 90.74% 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 72.22% of the companies in the same industry.
  • 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 2.34
ROIC/WACC2.56
WACC9.14%
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

  • A Current Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
  • OPFI has a Current ratio (1.00) which 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.
  • Looking at the Quick ratio, with a value of 1.00, OPFI is in line with its industry, outperforming 46.30% 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

7

3. Growth

3.1 Past

  • OPFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 85.37%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 3.73% on average over the past years.
  • The Revenue has grown by 9.63% in the past year. This is quite good.
  • The Revenue has been growing by 18.08% on average over the past years. This is quite good.
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

  • Based on estimates for the next years, OPFI will show a very strong growth in Earnings Per Share. The EPS will grow by 28.15% on average per year.
  • The Revenue is expected to grow by 12.56% on average over the next years. This is quite good.
EPS Next Y68.93%
EPS Next 2Y35.89%
EPS Next 3Y28.15%
EPS Next 5YN/A
Revenue Next Year14.08%
Revenue Next 2Y12.52%
Revenue Next 3Y12.56%
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.
  • 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

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 6.04, the valuation of OPFI can be described as very cheap.
  • Based on the Price/Earnings ratio, OPFI is valued a bit cheaper than 64.81% of the companies in the same industry.
  • OPFI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.10.
  • OPFI is valuated cheaply with a Price/Forward Earnings ratio of 5.23.
  • OPFI's Price/Forward Earnings ratio is rather cheap when compared to the industry. OPFI is cheaper than 85.19% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. OPFI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.04
Fwd PE 5.23
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

  • Based on the Enterprise Value to EBITDA ratio, OPFI is valued a bit cheaper than the industry average as 79.63% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than 75.93% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.2
EV/EBITDA 5.1
OPFI Per share dataOPFI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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.
  • The decent profitability rating of OPFI may justify a higher PE ratio.
  • OPFI's earnings are expected to grow with 28.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.09
PEG (5Y)1.62
EPS Next 2Y35.89%
EPS Next 3Y28.15%

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

3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.72%, OPFI has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.75, OPFI pays a bit more dividend than its industry peers.
  • OPFI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.72%

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
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 2Y35.89%
EPS Next 3Y28.15%
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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Find the best dividend stocksShow peers with best dividend

OPPFI INC

NYSE:OPFI (2/27/2026, 8:25:30 PM)

After market: 9.18 0 (0%)

9.18

-0.19 (-2.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-29
Earnings (Next)03-05
Inst Owners74.4%
Inst Owner Change7.34%
Ins Owners5.47%
Ins Owner Change-25.96%
Market Cap792.78M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target15.47 (68.52%)
Short Float %15.66%
Short Ratio7.76
Dividend
Industry RankSector Rank
Dividend Yield 2.72%
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)4.6%
PT rev (3m)4.6%
EPS NQ rev (1m)-0.29%
EPS NQ rev (3m)-1.45%
EPS NY rev (1m)0%
EPS NY rev (3m)5.06%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)0.21%
Valuation
Industry RankSector Rank
PE 6.04
Fwd PE 5.23
P/S 1.38
P/FCF 2.2
P/OCF 2.09
P/B 16.04
P/tB 16.04
EV/EBITDA 5.1
EPS(TTM)1.52
EY16.56%
EPS(NY)1.75
Fwd EY19.11%
FCF(TTM)4.17
FCFY45.46%
OCF(TTM)4.39
OCFY47.8%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.09
PEG (5Y)1.62
Graham Number4.42
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 2.34
F-Score6
WACC9.14%
ROIC/WACC2.56
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)85.37%
EPS 3Y-42.85%
EPS 5Y3.73%
EPS Q2Q%39.39%
EPS Next Y68.93%
EPS Next 2Y35.89%
EPS Next 3Y28.15%
EPS Next 5YN/A
Revenue 1Y (TTM)9.63%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%13.54%
Revenue Next Year14.08%
Revenue Next 2Y12.52%
Revenue Next 3Y12.56%
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 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 6.04 and the Price/Book (PB) ratio is 16.04.


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%.