OPPFI INC (OPFI) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:OPFI • US68386H1032

9.15 USD
-0.58 (-5.96%)
At close: Feb 3, 2026
9.06 USD
-0.09 (-0.98%)
After Hours: 2/3/2026, 8:04:00 PM
Fundamental Rating

6

Overall OPFI gets a fundamental rating of 6 out of 10. We evaluated OPFI against 54 industry peers in the Consumer Finance industry. OPFI has an average financial health and profitability rating. OPFI is growing strongly while it also seems undervalued. This is an interesting combination This makes OPFI very considerable for value and growth investing!


Dividend Valuation Growth Profitability Health

6

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.
  • Each year in the past 5 years OPFI 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 has a Return On Assets of 0.54%. This is in the lower half of the industry: OPFI underperforms 68.52% of its industry peers.
  • OPFI has a worse Return On Equity (7.84%) than 64.81% of its industry peers.
  • The Return On Invested Capital of OPFI (23.43%) is better than 90.74% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital 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 has a Profit Margin of 0.68%. This is in the lower half of the industry: OPFI underperforms 75.93% of its industry peers.
  • In the last couple of years the Profit Margin of OPFI has declined.
  • 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.
  • OPFI's Gross Margin of 98.87% is amongst the best of the industry. OPFI outperforms 96.30% 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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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.
  • OPFI has less shares outstanding than it did 1 year ago.
  • 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 2.37. 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 (2.37) 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.
  • With an excellent Debt to FCF ratio value of 0.89, OPFI belongs to the best of the industry, outperforming 92.59% 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.
  • OPFI has a Debt to Equity ratio of 6.49. This is in the lower half of the industry: OPFI underperforms 70.37% 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 2.37
ROIC/WACC2.49
WACC9.39%
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.
  • The Current ratio of OPFI (1.00) is comparable to the rest of the industry.
  • 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.
  • OPFI's Quick ratio of 1.00 is in line compared to the rest of the industry. OPFI outperforms 46.30% of its industry peers.
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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7

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.
  • 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

  • Based on estimates for the next years, OPFI will show a very strong growth in Earnings Per Share. The EPS will grow by 26.38% on average per year.
  • 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.
  • 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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8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 6.02, which indicates a rather cheap valuation of OPFI.
  • Based on the Price/Earnings ratio, OPFI is valued a bit cheaper than the industry average as 68.52% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 28.18, OPFI is valued rather cheaply.
  • A Price/Forward Earnings ratio of 5.22 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.
  • OPFI is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.51, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.02
Fwd PE 5.22
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

  • 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.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 79.63% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.19
EV/EBITDA 5.25
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.
  • 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)1.61
EPS Next 2Y35.89%
EPS Next 3Y26.38%

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2

5. Dividend

5.1 Amount

  • OPFI has a Yearly Dividend Yield of 2.63%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.68, OPFI pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, OPFI pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.63%

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

  • 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%
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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OPPFI INC

NYSE:OPFI (2/3/2026, 8:04:00 PM)

After market: 9.06 -0.09 (-0.98%)

9.15

-0.58 (-5.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-29
Earnings (Next)03-03
Inst Owners74.4%
Inst Owner Change0.27%
Ins Owners5.47%
Ins Owner Change-26.16%
Market Cap790.19M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target14.79 (61.64%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.63%
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)2.35%
EPS NQ rev (1m)-1.17%
EPS NQ rev (3m)3.97%
EPS NY rev (1m)0%
EPS NY rev (3m)10.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.99%
Valuation
Industry RankSector Rank
PE 6.02
Fwd PE 5.22
P/S 1.38
P/FCF 2.19
P/OCF 2.09
P/B 15.99
P/tB 15.99
EV/EBITDA 5.25
EPS(TTM)1.52
EY16.61%
EPS(NY)1.75
Fwd EY19.17%
FCF(TTM)4.17
FCFY45.61%
OCF(TTM)4.39
OCFY47.96%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.09
PEG (5Y)1.61
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 2.37
F-Score6
WACC9.39%
ROIC/WACC2.49
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 3Y26.38%
EPS Next 5YN/A
Revenue 1Y (TTM)9.63%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%13.54%
Revenue Next Year14.14%
Revenue Next 2Y12.49%
Revenue Next 3Y11.81%
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 6.02 and the Price/Book (PB) ratio is 15.99.


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%.