OPPFI INC (OPFI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OPFI - US68386H1032 - Common Stock
11.38 USD
+0.64 (+5.96%)
11.77 USD
+0.39 (+3.43%)
We assign a fundamental rating of 6 out of 10 to OPFI. OPFI was compared to 55 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 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.
In the past year OPFI had a positive cash flow from operations.
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 67.27% of its industry peers.
With a Return On Equity value of 7.84%, OPFI is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
OPFI has a Return On Invested Capital of 23.43%. This is amongst the best in the industry. OPFI outperforms 90.91% of its industry peers.
The Average Return On Invested Capital over the past 3 years for OPFI is in line with the industry average of 12.59%.
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 74.55% of its industry peers.
In the last couple of years the Profit Margin of OPFI has declined.
Looking at the Operating Margin, with a value of 34.91%, OPFI belongs to the top of the industry, outperforming 89.09% of the companies in the same industry.
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 96.36% 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.
OPFI has less shares outstanding than it did 1 year ago.
OPFI has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, OPFI has an improved debt to assets ratio.
2.2 Solvency
OPFI has an Altman-Z score of 2.49. 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.
With an excellent Altman-Z score value of 2.49, OPFI belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.
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 Debt to FCF ratio of 0.89. This is amongst the best in the industry. OPFI outperforms 90.91% of its industry peers.
A Debt/Equity ratio of 6.49 is on the high side and indicates that OPFI has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 6.49, OPFI is doing worse than 74.55% 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 | 2.49 |
ROIC/WACC2.14
WACC10.95%
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 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.
The Quick ratio of OPFI (1.00) 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.
OPFI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.63%.
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.
The Revenue is expected to grow by 11.81% on average over the next years. This is quite good.
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.49, which indicates a rather cheap valuation of OPFI.
70.91% of the companies in the same industry are more expensive than OPFI, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of OPFI to the average of the S&P500 Index (26.61), we can say OPFI is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 6.49, the valuation of OPFI can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OPFI indicates a rather cheap valuation: OPFI is cheaper than 81.82% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of OPFI to the average of the S&P500 Index (24.01), we can say OPFI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.49 | ||
| Fwd PE | 6.49 |
4.2 Price Multiples
OPFI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 80.00% 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 74.55% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.73 | ||
| EV/EBITDA | 5.94 |
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.
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)0.11
PEG (5Y)2.01
EPS Next 2Y35.89%
EPS Next 3Y26.38%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.33%, OPFI has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.35, OPFI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, OPFI pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
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 2Y35.89%
EPS Next 3Y26.38%
11.38
+0.64 (+5.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners73.9%
Inst Owner Change31.28%
Ins Owners6.17%
Ins Owner Change-26.12%
Market Cap982.78M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target14.79 (29.96%)
Short Float %16.68%
Short Ratio6.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
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)0%
EPS NQ rev (3m)5.2%
EPS NY rev (1m)5.06%
EPS NY rev (3m)10.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.52%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.49 | ||
| Fwd PE | 6.49 | ||
| P/S | 1.71 | ||
| P/FCF | 2.73 | ||
| P/OCF | 2.59 | ||
| P/B | 19.89 | ||
| P/tB | 19.89 | ||
| EV/EBITDA | 5.94 |
EPS(TTM)1.52
EY13.36%
EPS(NY)1.75
Fwd EY15.42%
FCF(TTM)4.17
FCFY36.67%
OCF(TTM)4.39
OCFY38.56%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.11
PEG (5Y)2.01
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 | 2.49 |
F-Score6
WACC10.95%
ROIC/WACC2.14
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 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 68.93% in the next year.