OPPFI INC (OPFI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OPFI - US68386H1032 - Common Stock
9.78 USD
-0.12 (-1.21%)
9.77 USD
-0.01 (-0.1%)
OPFI gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. OPFI has only an average score on both its financial health and profitability. OPFI is growing strongly while it also seems undervalued. This is an interesting combination These ratings could make OPFI a good candidate for value and growth investing.
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 67.27% of its industry peers.
Looking at the Return On Equity, with a value of 7.84%, OPFI is doing worse than 60.00% of the companies in the same industry.
The Return On Invested Capital of OPFI (23.43%) is better than 90.91% 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 11.33%.
The 3 year average ROIC (12.63%) for OPFI is below the current ROIC(23.43%), indicating increased profibility in the last year.
| 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
OPFI has a Profit Margin of 0.68%. This is in the lower half of the industry: OPFI underperforms 74.55% of its industry peers.
In the last couple of years the Profit Margin of OPFI has declined.
The Operating Margin of OPFI (34.91%) is better than 89.09% of its industry peers.
OPFI's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 98.87%, OPFI belongs to the top of the industry, outperforming 96.36% of the companies in the same industry.
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%
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
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
OPFI has an Altman-Z score of 2.38. 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.
The Altman-Z score of OPFI (2.38) is better than 80.00% of its industry peers.
The Debt to FCF ratio of OPFI is 0.89, which is an excellent value as it means it would take OPFI, only 0.89 years of fcf income to pay off all of its debts.
OPFI has a better Debt to FCF ratio (0.89) than 90.91% of its industry peers.
OPFI has a Debt/Equity ratio of 6.49. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 6.49, OPFI is not doing good in the industry: 74.55% of the companies in the same industry are doing better.
Although OPFI does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.49 | ||
| Debt/FCF | 0.89 | ||
| Altman-Z | 2.38 |
ROIC/WACC2.1
WACC11.17%
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.
OPFI's Current ratio of 1.00 is in line compared to the rest of the industry. OPFI outperforms 45.45% 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.
OPFI's Quick ratio of 1.00 is in line compared to the rest of the industry. OPFI outperforms 45.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
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.
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.
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
The Earnings Per Share is expected to grow by 26.38% on average over the next years. This is a very strong growth
Based on estimates for the next years, OPFI will show a quite strong growth in Revenue. The Revenue will grow by 11.81% on average per year.
EPS Next Y60.78%
EPS Next 2Y33.6%
EPS Next 3Y26.38%
EPS Next 5YN/A
Revenue Next Year13.85%
Revenue Next 2Y12.41%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 6.43 indicates a rather cheap valuation of OPFI.
Based on the Price/Earnings ratio, OPFI is valued a bit cheaper than the industry average as 74.55% of the companies are valued more expensively.
OPFI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.11.
The Price/Forward Earnings ratio is 5.77, which indicates a rather cheap valuation of OPFI.
Based on the Price/Forward Earnings ratio, OPFI is valued cheaper than 85.45% 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 36.21.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.43 | ||
| Fwd PE | 5.77 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, OPFI is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 76.36% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.34 | ||
| EV/EBITDA | 5.32 |
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.
OPFI's earnings are expected to grow with 26.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.11
PEG (5Y)1.72
EPS Next 2Y33.6%
EPS Next 3Y26.38%
5. Dividend
5.1 Amount
OPFI has a Yearly Dividend Yield of 2.53%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 5.10, OPFI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, OPFI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.53% |
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
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 2Y33.6%
EPS Next 3Y26.38%
9.78
-0.12 (-1.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners55.84%
Inst Owner Change31.28%
Ins Owners6.22%
Ins Owner Change-7.78%
Market Cap844.60M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target14.79 (51.23%)
Short Float %18.53%
Short Ratio5.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.53% |
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP165.57%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)2.35%
PT rev (3m)2.35%
EPS NQ rev (1m)5.2%
EPS NQ rev (3m)5.2%
EPS NY rev (1m)5.27%
EPS NY rev (3m)5.27%
Revenue NQ rev (1m)2.52%
Revenue NQ rev (3m)2.52%
Revenue NY rev (1m)0.73%
Revenue NY rev (3m)1.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.43 | ||
| Fwd PE | 5.77 | ||
| P/S | 1.47 | ||
| P/FCF | 2.34 | ||
| P/OCF | 2.23 | ||
| P/B | 17.09 | ||
| P/tB | 17.09 | ||
| EV/EBITDA | 5.32 |
EPS(TTM)1.52
EY15.54%
EPS(NY)1.7
Fwd EY17.34%
FCF(TTM)4.17
FCFY42.67%
OCF(TTM)4.39
OCFY44.87%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.11
PEG (5Y)1.72
Graham Number4.42
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.38 |
F-Score6
WACC11.17%
ROIC/WACC2.1
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 Y60.78%
EPS Next 2Y33.6%
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 Year13.85%
Revenue Next 2Y12.41%
Revenue Next 3Y11.81%
Revenue Next 5YN/A
EBIT growth 1Y57.3%
EBIT growth 3Y-5.31%
EBIT growth 5Y20.75%
EBIT Next Year108.45%
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 for 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.
What is the financial health of OPPFI INC (OPFI) stock?
The financial health rating of OPPFI INC (OPFI) is 6 / 10.
Can you provide the expected EPS growth for OPFI stock?
The Earnings per Share (EPS) of OPPFI INC (OPFI) is expected to grow by 60.78% in the next year.