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 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!

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.
Each year in the past 5 years OPFI had a positive operating cash flow.

1.2 Ratios

OPFI has a worse Return On Assets (0.54%) than 70.37% of its industry peers.
Looking at the Return On Equity, with a value of 7.84%, OPFI is doing worse than 64.81% 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 90.74% of the companies in the same industry.
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 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 77.78% of its industry peers.
OPFI's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 34.91%, OPFI belongs to the best of the industry, outperforming 87.04% of the companies in the same industry.
OPFI's Operating Margin has improved in the last couple of years.
OPFI's Gross Margin of 98.87% is amongst the best of the industry. OPFI outperforms 96.30% of its industry peers.
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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

OPFI has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, OPFI has less shares outstanding
Compared to 5 years ago, OPFI has less shares outstanding
OPFI has a better debt/assets ratio than last year.

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 better Altman-Z score (2.39) 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.
A Debt/Equity ratio of 6.49 is on the high side and indicates that OPFI has dependencies on debt financing.
The Debt to Equity ratio of OPFI (6.49) is worse than 72.22% of its industry peers.
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	2.39

ROIC/WACC2.5

WACC9.36%

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.
A Quick Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
OPFI has a Quick ratio of 1.00. This is comparable to the rest of the industry: OPFI outperforms 46.30% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1
Quick Ratio	1

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WACC

Debt/Equity

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Altman-Z score

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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.
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

OPFI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.38% yearly.
OPFI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.81% yearly.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 6.52, 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 70.37% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.21, OPFI is valued rather cheaply.
OPFI is valuated cheaply with a Price/Forward Earnings ratio of 5.65.
Based on the Price/Forward Earnings ratio, OPFI is valued cheaper than 85.19% 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 24.26.

		Industry Rank	Sector Rank
PE	6.52
Fwd PE	5.65

4.2 Price Multiples

OPFI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 79.63% of the companies 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 77.78% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	2.37
EV/EBITDA	5.35

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.
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 26.38% in the coming years.

PEG (NY)0.09

PEG (5Y)1.75

EPS Next 2Y35.89%

EPS Next 3Y26.38%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.52%, OPFI has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.58, OPFI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.82, OPFI pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	2.52%

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

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%

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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 6.52 and the Price/Book (PB) ratio is 17.32.

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%.