OPPFI INC (OPFI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OPFI - US68386H1032 - Common Stock
9.96 USD
+0.06 (+0.61%)
9.96 USD
0 (0%)
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 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 These ratings would make OPFI suitable 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.
- 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.
- OPFI's Return On Equity of 7.84% is on the low side compared to the rest of the industry. OPFI is outperformed by 64.81% of its industry peers.
- OPFI's Return On Invested Capital of 23.43% is amongst the best of the industry. OPFI outperforms 90.74% 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
- Looking at the Profit Margin, with a value of 0.68%, OPFI is doing worse than 77.78% of the companies in the same industry.
- In the last couple of years the Profit Margin of OPFI has declined.
- The Operating Margin of OPFI (34.91%) is better than 87.04% of its industry peers.
- In the last couple of years the Operating Margin of OPFI has grown nicely.
- OPFI has a Gross Margin of 98.87%. This is amongst the best in 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%
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.
- OPFI has less shares outstanding than it did 1 year ago.
- OPFI has less shares outstanding than it did 5 years ago.
- OPFI has a better debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 2.38 indicates that OPFI is not a great score, but indicates only limited risk for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 2.38, OPFI belongs to the top of the industry, outperforming 81.48% 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 92.59% 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.
- With a Debt to Equity ratio value of 6.49, OPFI is not doing good in the industry: 72.22% of the companies in the same industry are doing better.
- 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 | 2.38 |
ROIC/WACC2.51
WACC9.34%
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.
- The Current ratio of OPFI (1.00) is comparable to the rest of the 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
- 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.
- 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%.
- The Revenue has been growing by 18.08% on average over the past years. This is quite good.
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 26.38% 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 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 6.55, which indicates a rather cheap valuation of OPFI.
- 70.37% 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 (27.32), we can say OPFI is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 5.68, the valuation of OPFI can be described as very cheap.
- Based on the Price/Forward Earnings ratio, OPFI is valued cheaper than 87.04% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of OPFI to the average of the S&P500 Index (24.30), we can say OPFI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.55 | ||
| Fwd PE | 5.68 |
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.
- Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.39 | ||
| 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)0.1
PEG (5Y)1.76
EPS Next 2Y35.89%
EPS Next 3Y26.38%
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 1.86, OPFI pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
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%
9.96
+0.06 (+0.61%)
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 Change-0.01%
Ins Owners5.47%
Ins Owner Change-26.16%
Market Cap860.15M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target14.79 (48.49%)
Short Float %17.09%
Short Ratio7.98
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
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 | 6.55 | ||
| Fwd PE | 5.68 | ||
| P/S | 1.5 | ||
| P/FCF | 2.39 | ||
| P/OCF | 2.27 | ||
| P/B | 17.4 | ||
| P/tB | 17.4 | ||
| EV/EBITDA | 5.35 |
EPS(TTM)1.52
EY15.26%
EPS(NY)1.75
Fwd EY17.61%
FCF(TTM)4.17
FCFY41.9%
OCF(TTM)4.39
OCFY44.06%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.1
PEG (5Y)1.76
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 | 2.38 |
F-Score6
WACC9.34%
ROIC/WACC2.51
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 6.55 and the Price/Book (PB) ratio is 17.4.
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%.