OPPFI INC (OPFI) Stock Fundamental Analysis
NYSE:OPFI • US68386H1032
8.81 USD
0 (0%)
Last: Feb 13, 2026, 12:51 PM
OPFI gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. Both the profitability and the financial health of OPFI get a neutral evaluation. Nothing too spectacular is happening here. OPFI is evaluated to be cheap and growing strongly. This does not happen too often! 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.
- Each year in the past 5 years OPFI had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of 0.54%, OPFI is not doing good in the industry: 70.37% of the companies in the same industry are doing better.
- OPFI has a Return On Equity of 7.84%. This is in the lower half of the industry: OPFI underperforms 64.81% of its industry peers.
- 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.
- The Average Return On Invested Capital over the past 3 years for OPFI is in line with the industry average of 12.09%.
- 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 77.78% of its industry peers.
- In the last couple of years the Profit Margin of OPFI has declined.
- OPFI has a better Operating Margin (34.91%) than 87.04% of its industry peers.
- In the last couple of years the Operating Margin of OPFI has grown nicely.
- With an excellent Gross Margin value of 98.87%, OPFI belongs to the best of the industry, outperforming 96.30% 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
- 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.
- 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 2.30. 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 (2.30) is better than 79.63% 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 92.59% 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 worse Debt to Equity ratio (6.49) than 70.37% 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 | 2.3 |
ROIC/WACC2.53
WACC9.26%
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.
- With a Current ratio value of 1.00, OPFI perfoms like the industry average, outperforming 48.15% of the companies in the same 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 has a Quick ratio (1.00) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 85.37% over the past year.
- The Earnings Per Share has been growing slightly by 3.73% on average over the past years.
- The Revenue has grown by 9.63% in the past year. This is quite good.
- Measured over the past years, OPFI shows a quite strong growth in Revenue. The Revenue has been growing by 18.08% on average per year.
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 28.15% on average per year.
- 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 3Y28.15%
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
- Based on the Price/Earnings ratio of 5.80, the valuation of OPFI can be described as very cheap.
- Compared to the rest of the industry, the Price/Earnings ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 74.07% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of OPFI to the average of the S&P500 Index (27.67), we can say OPFI is valued rather cheaply.
- The Price/Forward Earnings ratio is 5.02, which 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 87.04% of the companies listed in the same industry.
- OPFI is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.69, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.8 | ||
| Fwd PE | 5.02 |
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.
- Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than 79.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.11 | ||
| EV/EBITDA | 4.87 |
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.
- OPFI's earnings are expected to grow with 28.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.08
PEG (5Y)1.55
EPS Next 2Y35.89%
EPS Next 3Y28.15%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.76%, OPFI has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.75, 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 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.76% |
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 3Y28.15%
NYSE:OPFI (2/13/2026, 12:51:40 PM)
8.81
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)03-05 2026-03-05/bmo
Inst Owners74.4%
Inst Owner Change-0.19%
Ins Owners5.47%
Ins Owner Change-25.96%
Market Cap760.83M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target15.47 (75.6%)
Short Float %16.88%
Short Ratio8.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.76% |
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)4.6%
PT rev (3m)7.06%
EPS NQ rev (1m)-1.17%
EPS NQ rev (3m)3.97%
EPS NY rev (1m)0%
EPS NY rev (3m)5.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.53%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.8 | ||
| Fwd PE | 5.02 | ||
| P/S | 1.33 | ||
| P/FCF | 2.11 | ||
| P/OCF | 2.01 | ||
| P/B | 15.39 | ||
| P/tB | 15.39 | ||
| EV/EBITDA | 4.87 |
EPS(TTM)1.52
EY17.25%
EPS(NY)1.75
Fwd EY19.91%
FCF(TTM)4.17
FCFY47.37%
OCF(TTM)4.39
OCFY49.81%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.08
PEG (5Y)1.55
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 | 2.3 |
F-Score6
WACC9.26%
ROIC/WACC2.53
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 3Y28.15%
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 5.8 and the Price/Book (PB) ratio is 15.39.
How sustainable is the dividend of OPPFI INC (OPFI) stock?
The dividend rating of OPPFI INC (OPFI) is 3 / 10 and the dividend payout ratio is 165.57%.