OPPFI INC (OPFI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OPFI - US68386H1032 - Common Stock
10.01 USD
+0.06 (+0.6%)
10 USD
-0.01 (-0.1%)
Taking everything into account, OPFI scores 6 out of 10 in our fundamental rating. OPFI was compared to 53 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 With these ratings, OPFI could be worth investigating further 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.
- Of the past 5 years OPFI 4 years were profitable.
- Each year in the past 5 years OPFI had a positive operating cash flow.
1.2 Ratios
- OPFI has a Return On Assets of 0.54%. This is in the lower half of the industry: OPFI underperforms 69.81% of its industry peers.
- Looking at the Return On Equity, with a value of 7.84%, OPFI is doing worse than 64.15% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 23.43%, OPFI belongs to the top of the industry, outperforming 90.57% 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 12.42%.
- 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 worse Profit Margin (0.68%) than 77.36% of its industry peers.
- In the last couple of years the Profit Margin of OPFI has declined.
- With an excellent Operating Margin value of 34.91%, OPFI belongs to the best of the industry, outperforming 86.79% of the companies in the same industry.
- In the last couple of years the Operating Margin of OPFI has grown nicely.
- Looking at the Gross Margin, with a value of 98.87%, OPFI belongs to the top of the industry, outperforming 96.23% of the companies in the same industry.
- In the last couple of years the Gross Margin of OPFI has remained more or less at the same level.
| 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
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 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.
- The debt/assets ratio for OPFI has been reduced compared to a year ago.
2.2 Solvency
- OPFI has an Altman-Z score of 2.39. 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 Altman-Z score of 2.39. This is amongst the best in the industry. OPFI outperforms 81.13% 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.
- Looking at the Debt to FCF ratio, with a value of 0.89, OPFI belongs to the top of the industry, outperforming 92.45% 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.
- Looking at the Debt to Equity ratio, with a value of 6.49, OPFI is doing worse than 71.70% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.49 | ||
| Debt/FCF | 0.89 | ||
| Altman-Z | 2.39 |
ROIC/WACC2.55
WACC9.2%
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 47.17% of its industry peers.
- A Quick Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
- OPFI has a Quick ratio (1.00) which is in line with 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.
- Measured over the past 5 years, OPFI shows a small growth in Earnings Per Share. The EPS has been growing by 3.73% on average per year.
- The Revenue has grown by 9.63% in the past year. This is quite good.
- 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
- 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 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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 6.59 indicates a rather cheap valuation of OPFI.
- Based on the Price/Earnings ratio, OPFI is valued a bit cheaper than 71.70% of the companies in the same industry.
- OPFI is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 5.71 indicates a rather cheap valuation of OPFI.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of OPFI indicates a rather cheap valuation: OPFI is cheaper than 86.79% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.31, OPFI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.59 | ||
| Fwd PE | 5.71 |
4.2 Price Multiples
- OPFI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 79.25% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than the industry average as 77.36% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.4 | ||
| EV/EBITDA | 5.37 |
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.
- A more expensive valuation may be justified as OPFI's earnings are expected to grow with 26.38% in the coming years.
PEG (NY)0.1
PEG (5Y)1.77
EPS Next 2Y35.89%
EPS Next 3Y26.38%
5. Dividend
5.1 Amount
- OPFI has a Yearly Dividend Yield of 2.41%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.60, OPFI pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.92, OPFI pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
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%
10.01
+0.06 (+0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)03-03 2026-03-03/bmo
Inst Owners74.4%
Inst Owner Change0.06%
Ins Owners5.47%
Ins Owner Change-26.16%
Market Cap864.46M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target14.79 (47.75%)
Short Float %16.38%
Short Ratio6.6
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
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)0%
EPS NQ rev (3m)5.2%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.59 | ||
| Fwd PE | 5.71 | ||
| P/S | 1.51 | ||
| P/FCF | 2.4 | ||
| P/OCF | 2.28 | ||
| P/B | 17.49 | ||
| P/tB | 17.49 | ||
| EV/EBITDA | 5.37 |
EPS(TTM)1.52
EY15.18%
EPS(NY)1.75
Fwd EY17.53%
FCF(TTM)4.17
FCFY41.69%
OCF(TTM)4.39
OCFY43.84%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.1
PEG (5Y)1.77
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 | 2.39 |
F-Score6
WACC9.2%
ROIC/WACC2.55
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 6.59 and the Price/Book (PB) ratio is 17.49.
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%.