OPPFI INC (OPFI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OPFI - US68386H1032 - Common Stock
10.1 USD
-0.28 (-2.7%)
10.05 USD
-0.05 (-0.5%)
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. Both the profitability and the financial health of OPFI get a neutral evaluation. Nothing too spectacular is happening here. An interesting combination arises when we look at growth and value: OPFI is growing strongly while it also seems undervalued. 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.
In the past year OPFI had a positive cash flow from operations.
Of the past 5 years OPFI 4 years were profitable.
OPFI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.54%, OPFI is not doing good in the industry: 69.81% of the companies in the same industry are doing better.
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.
The Return On Invested Capital of OPFI (23.43%) is better than 90.57% of its industry peers.
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 Profit Margin of 0.68%. This is in the lower half of the industry: OPFI underperforms 77.36% of its industry peers.
In the last couple of years the Profit Margin of OPFI has declined.
OPFI has a Operating Margin of 34.91%. This is amongst the best in the industry. OPFI outperforms 86.79% of its industry peers.
In the last couple of years the Operating Margin of OPFI has grown nicely.
OPFI has a better Gross Margin (98.87%) than 96.23% of its industry peers.
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.
The number of shares outstanding for OPFI has been reduced compared to 1 year ago.
OPFI has less shares outstanding than it did 5 years ago.
The debt/assets ratio for OPFI has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.42 indicates that OPFI is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of OPFI (2.42) is better than 81.13% 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.
The Debt to FCF ratio of OPFI (0.89) is better than 92.45% 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.
The Debt to Equity ratio of OPFI (6.49) is worse than 71.70% 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 | 2.42 |
ROIC/WACC2.53
WACC9.25%
2.3 Liquidity
A Current Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
OPFI has a Current ratio (1.00) which is in line with 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 47.17% of its industry peers.
| 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.
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.
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
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
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
With a Price/Earnings ratio of 6.64, the valuation of OPFI can be described as very cheap.
OPFI's Price/Earnings ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 71.70% of the companies in the same industry.
When comparing the Price/Earnings ratio of OPFI to the average of the S&P500 Index (27.19), we can say OPFI is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 5.76, the valuation of OPFI can be described as very cheap.
Based on the Price/Forward Earnings ratio, OPFI is valued cheaper than 84.91% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.92. OPFI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.64 | ||
| Fwd PE | 5.76 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, OPFI is valued a bit cheaper than the industry average as 79.25% 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 77.36% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.42 | ||
| EV/EBITDA | 5.52 |
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)1.78
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.
OPFI's Dividend Yield is a higher than the industry average which is at 2.60.
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 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
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%
10.1
-0.28 (-2.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners74.4%
Inst Owner Change0.06%
Ins Owners5.47%
Ins Owner Change-26.16%
Market Cap872.24M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target14.79 (46.44%)
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 | 6.64 | ||
| Fwd PE | 5.76 | ||
| P/S | 1.52 | ||
| P/FCF | 2.42 | ||
| P/OCF | 2.3 | ||
| P/B | 17.65 | ||
| P/tB | 17.65 | ||
| EV/EBITDA | 5.52 |
EPS(TTM)1.52
EY15.05%
EPS(NY)1.75
Fwd EY17.37%
FCF(TTM)4.17
FCFY41.32%
OCF(TTM)4.39
OCFY43.45%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.1
PEG (5Y)1.78
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 | 2.42 |
F-Score6
WACC9.25%
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 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 6.64 and the Price/Book (PB) ratio is 17.65.
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%.