OPPFI INC (OPFI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OPFI - US68386H1032 - Common Stock
10.2 USD
+0.24 (+2.41%)
Taking everything into account, OPFI scores 6 out of 10 in our fundamental rating. 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 has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare 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.
- OPFI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- OPFI's Return On Assets of 0.54% is on the low side compared to the rest of the industry. OPFI is outperformed by 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.
- With an excellent Return On Invested Capital value of 23.43%, OPFI belongs to the best 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
- 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.
- 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.
- The Gross Margin of OPFI (98.87%) is better than 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
- 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
- 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.
- With an excellent Altman-Z score value of 2.38, OPFI belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
- 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.
- OPFI has a better Debt to FCF ratio (0.89) than 92.59% 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.
- OPFI's Debt to Equity ratio of 6.49 is on the low side compared to the rest of the industry. OPFI is outperformed by 72.22% of its industry peers.
- 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 | 2.38 |
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 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 |
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.
- OPFI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.63%.
- 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
- 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
- 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
- OPFI is valuated cheaply with a Price/Earnings ratio of 6.71.
- Compared to the rest of the industry, the Price/Earnings ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 70.37% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of OPFI to the average of the S&P500 Index (27.32), we can say OPFI is valued rather cheaply.
- With a Price/Forward Earnings ratio of 5.81, the valuation of OPFI can be described as very cheap.
- Based on the Price/Forward Earnings ratio, OPFI is valued cheaply inside the industry as 87.04% of the companies are valued more expensively.
- 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 | 6.71 | ||
| Fwd PE | 5.81 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, OPFI is valued a bit cheaper than the industry average as 79.63% 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 77.78% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.44 | ||
| 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.
- OPFI's earnings are expected to grow with 26.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.1
PEG (5Y)1.8
EPS Next 2Y35.89%
EPS Next 3Y26.38%
5. Dividend
5.1 Amount
- OPFI has a Yearly Dividend Yield of 2.52%.
- Compared to an average industry Dividend Yield of 2.58, OPFI pays a bit more dividend than its industry peers.
- OPFI's Dividend Yield is a higher than the S&P500 average which is at 1.86.
| 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%
NYSE:OPFI (1/22/2026, 11:29:50 AM)
10.2
+0.24 (+2.41%)
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 Cap880.87M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target14.79 (45%)
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 | 6.71 | ||
| Fwd PE | 5.81 | ||
| P/S | 1.54 | ||
| P/FCF | 2.44 | ||
| P/OCF | 2.32 | ||
| P/B | 17.82 | ||
| P/tB | 17.82 | ||
| EV/EBITDA | 5.35 |
EPS(TTM)1.52
EY14.9%
EPS(NY)1.75
Fwd EY17.2%
FCF(TTM)4.17
FCFY40.91%
OCF(TTM)4.39
OCFY43.02%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.1
PEG (5Y)1.8
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 6.71 and the Price/Book (PB) ratio is 17.82.
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%.