OPPFI INC (OPFI) Fundamental Analysis & Valuation

NYSE:OPFI • US68386H1032

Current stock price

8.08 USD
-0.04 (-0.49%)
At close:
8.16 USD
+0.08 (+0.99%)
After Hours:

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

7

1. OPFI Profitability Analysis

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.
  • OPFI had a positive operating cash flow in each 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 400M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 3.49%, OPFI is in line with its industry, outperforming 59.26% of the companies in the same industry.
  • OPFI's Return On Equity of 45.02% is amongst the best of the industry. OPFI outperforms 94.44% of its industry peers.
  • With an excellent Return On Invested Capital value of 23.23%, OPFI belongs to the best of the industry, outperforming 92.59% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for OPFI is significantly above the industry average of 9.87%.
  • The last Return On Invested Capital (23.23%) for OPFI is above the 3 year average (18.77%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.49%
ROE 45.02%
ROIC 23.23%
ROA(3y)1.49%
ROA(5y)2.16%
ROE(3y)19.18%
ROE(5y)N/A
ROIC(3y)18.77%
ROIC(5y)17.9%
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

  • OPFI has a Profit Margin of 4.41%. This is in the lower half of the industry: OPFI underperforms 77.78% of its industry peers.
  • OPFI's Profit Margin has declined in the last couple of years.
  • OPFI has a Operating Margin of 34.30%. This is amongst the best in the industry. OPFI outperforms 88.89% of its industry peers.
  • In the last couple of years the Operating Margin of OPFI has remained more or less at the same level.
  • OPFI has a Gross Margin of 98.90%. This is amongst the best in the industry. OPFI outperforms 94.44% of its industry peers.
  • OPFI's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 34.3%
PM (TTM) 4.41%
GM 98.9%
OM growth 3Y68.45%
OM growth 5Y0.23%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. OPFI Health Analysis

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
  • 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

  • OPFI has an Altman-Z score of 2.21. 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 (2.21) than 79.63% of its industry peers.
  • The Debt to FCF ratio of OPFI is 0.84, which is an excellent value as it means it would take OPFI, only 0.84 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.84, OPFI belongs to the top of the industry, outperforming 90.74% of the companies in the same industry.
  • A Debt/Equity ratio of 5.49 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 5.49, OPFI is doing worse than 70.37% 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 5.49
Debt/FCF 0.84
Altman-Z 2.21
ROIC/WACC2.6
WACC8.95%
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 0.86. 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 has a Current ratio (0.86) which is in line with its industry peers.
  • OPFI has a Quick Ratio of 0.86. This is a bad value and indicates that OPFI is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 0.86, OPFI is in line with its industry, outperforming 40.74% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.86
Quick Ratio 0.86
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

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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

  • The Earnings Per Share has grown by an impressive 67.37% over the past year.
  • The Earnings Per Share has been growing slightly by 7.25% on average over the past years.
  • 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.
  • 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.
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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Find the best growth stocksShow best growing peers

8

4. OPFI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.08, which indicates a rather cheap valuation of OPFI.
  • 75.93% of the companies in the same industry are more expensive than OPFI, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of OPFI to the average of the S&P500 Index (26.91), we can say OPFI is valued rather cheaply.
  • OPFI is valuated cheaply with a Price/Forward Earnings ratio of 4.55.
  • OPFI's Price/Forward Earnings ratio is rather cheap when compared to the industry. OPFI is cheaper than 87.04% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, OPFI is valued rather cheaply.
Industry RankSector Rank
PE 5.08
Fwd PE 4.55
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

  • 83.33% of the companies in the same industry are more expensive than OPFI, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than the industry average as 79.63% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.8
EV/EBITDA 4.38
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 has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as OPFI's earnings are expected to grow with 13.41% in the coming years.
PEG (NY)0.44
PEG (5Y)0.7
EPS Next 2Y13.41%
EPS Next 3YN/A

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

4

5. OPFI Dividend Analysis

5.1 Amount

  • OPFI has a Yearly Dividend Yield of 3.32%.
  • In the last 3 months the price of OPFI has falen by -21.77%. 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 3.23, 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 1.89.
Industry RankSector Rank
Dividend Yield 3.32%

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 24.36% of its income as dividend. This is a sustainable payout ratio.
DP24.36%
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 (4/9/2026, 4:00:23 PM)

After market: 8.16 +0.08 (+0.99%)

8.08

-0.04 (-0.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-11
Earnings (Next)05-05
Inst Owners81%
Inst Owner Change0%
Ins Owners5.41%
Ins Owner Change-0.87%
Market Cap687.77M
Revenue(TTM)597.05M
Net Income(TTM)26.33M
Analysts80
Price Target14.62 (80.94%)
Short Float %13.81%
Short Ratio6.94
Dividend
Industry RankSector Rank
Dividend Yield 3.32%
Yearly Dividend0.07
Dividend Growth(5Y)N/A
DP24.36%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.62%
Min EPS beat(2)2.3%
Max EPS beat(2)40.93%
EPS beat(4)4
Avg EPS beat(4)34.96%
Min EPS beat(4)2.3%
Max EPS beat(4)49.55%
EPS beat(8)8
Avg EPS beat(8)53.39%
EPS beat(12)12
Avg EPS beat(12)131.81%
EPS beat(16)15
Avg EPS beat(16)341.76%
Revenue beat(2)0
Avg Revenue beat(2)-1.6%
Min Revenue beat(2)-2.3%
Max Revenue beat(2)-0.9%
Revenue beat(4)0
Avg Revenue beat(4)-1.06%
Min Revenue beat(4)-2.3%
Max Revenue beat(4)-0.14%
Revenue beat(8)3
Avg Revenue beat(8)-0.05%
Revenue beat(12)6
Avg Revenue beat(12)0.02%
Revenue beat(16)10
Avg Revenue beat(16)1.98%
PT rev (1m)-5.49%
PT rev (3m)-1.15%
EPS NQ rev (1m)-33.84%
EPS NQ rev (3m)-31.62%
EPS NY rev (1m)0%
EPS NY rev (3m)1.16%
Revenue NQ rev (1m)-4.61%
Revenue NQ rev (3m)-4.28%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)-0.1%
Valuation
Industry RankSector Rank
PE 5.08
Fwd PE 4.55
P/S 1.15
P/FCF 1.8
P/OCF 1.71
P/B 11.76
P/tB 11.76
EV/EBITDA 4.38
EPS(TTM)1.59
EY19.68%
EPS(NY)1.77
Fwd EY21.97%
FCF(TTM)4.49
FCFY55.57%
OCF(TTM)4.71
OCFY58.35%
SpS7.01
BVpS0.69
TBVpS0.69
PEG (NY)0.44
PEG (5Y)0.7
Graham Number4.96
Profitability
Industry RankSector Rank
ROA 3.49%
ROE 45.02%
ROCE 29.4%
ROIC 23.23%
ROICexc 26.82%
ROICexgc 28.05%
OM 34.3%
PM (TTM) 4.41%
GM 98.9%
FCFM 64.01%
ROA(3y)1.49%
ROA(5y)2.16%
ROE(3y)19.18%
ROE(5y)N/A
ROIC(3y)18.77%
ROIC(5y)17.9%
ROICexc(3y)21.86%
ROICexc(5y)20.11%
ROICexgc(3y)22.63%
ROICexgc(5y)20.76%
ROCE(3y)23.75%
ROCE(5y)22.66%
ROICexgc growth 3Y76.37%
ROICexgc growth 5Y-3.93%
ROICexc growth 3Y75.5%
ROICexc growth 5Y-4.18%
OM growth 3Y68.45%
OM growth 5Y0.23%
PM growth 3Y41.16%
PM growth 5Y-30.21%
GM growth 3Y0.41%
GM growth 5Y0.06%
F-Score8
Asset Turnover0.79
Health
Industry RankSector Rank
Debt/Equity 5.49
Debt/FCF 0.84
Debt/EBITDA 1.53
Cap/Depr 370.48%
Cap/Sales 3.2%
Interest Coverage 5.67
Cash Conversion 191.14%
Profit Quality 1451.6%
Current Ratio 0.86
Quick Ratio 0.86
Altman-Z 2.21
F-Score8
WACC8.95%
ROIC/WACC2.6
Cap/Depr(3y)192.1%
Cap/Depr(5y)162.78%
Cap/Sales(3y)2.48%
Cap/Sales(5y)2.89%
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 1Y43.99%
EBIT growth 3Y84.71%
EBIT growth 5Y15.72%
EBIT Next Year30.2%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y22.97%
FCF growth 3Y18.45%
FCF growth 5Y16.07%
OCF growth 1Y23.93%
OCF growth 3Y18.15%
OCF growth 5Y15.87%

OPPFI INC / OPFI Fundamental Analysis FAQ

What is the fundamental rating for OPFI stock?

ChartMill assigns a fundamental rating of 7 / 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 7 / 10.


How financially healthy is OPPFI INC?

The financial health rating of OPPFI INC (OPFI) is 6 / 10.


Is the dividend of OPPFI INC sustainable?

The dividend rating of OPPFI INC (OPFI) is 4 / 10 and the dividend payout ratio is 24.36%.