OPPFI INC (OPFI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OPFI - US68386H1032 - Common Stock
10.96 USD
+0.29 (+2.72%)
11.0896 USD
+0.13 (+1.18%)
Overall OPFI gets a fundamental rating of 6 out of 10. We evaluated OPFI against 55 industry peers in the Consumer Finance industry. OPFI has only an average score on both its financial health and profitability. An interesting combination arises when we look at growth and value: OPFI is growing strongly while it also seems undervalued. These ratings would make OPFI suitable for value and growth investing!
1. Profitability
1.1 Basic Checks
In the past year OPFI was profitable.
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: 67.27% of the companies in the same industry are doing better.
OPFI has a worse Return On Equity (7.84%) than 60.00% of its industry peers.
With an excellent Return On Invested Capital value of 23.43%, OPFI belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
OPFI had an Average Return On Invested Capital over the past 3 years of 12.63%. This is in line with the industry average of 12.59%.
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
Looking at the Profit Margin, with a value of 0.68%, OPFI is doing worse than 74.55% 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 89.09% of its industry peers.
In the last couple of years the Operating Margin of OPFI has grown nicely.
The Gross Margin of OPFI (98.87%) is better than 96.36% 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.
The debt/assets ratio for OPFI has been reduced compared to a year ago.
2.2 Solvency
OPFI has an Altman-Z score of 2.46. 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.
OPFI has a better Altman-Z score (2.46) than 81.82% 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.
OPFI's Debt to FCF ratio of 0.89 is amongst the best of the industry. OPFI outperforms 90.91% 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.
OPFI has a worse Debt to Equity ratio (6.49) than 74.55% 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 | 2.46 |
ROIC/WACC2.14
WACC10.96%
2.3 Liquidity
A Current Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.00, OPFI is in line with its industry, outperforming 45.45% of the companies in the same industry.
A Quick Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
OPFI's Quick ratio of 1.00 is in line compared to the rest of the industry. OPFI outperforms 45.45% 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.
Measured over the past 5 years, OPFI shows a small growth in Earnings Per Share. The EPS has been growing by 3.73% on average per year.
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
The Earnings Per Share is expected to grow by 26.38% on average over the next years. This is a very strong growth
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.
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
The Price/Earnings ratio is 7.21, which indicates a rather cheap valuation of OPFI.
Compared to the rest of the industry, the Price/Earnings ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 70.91% of the companies listed in the same industry.
OPFI is valuated cheaply when we compare the Price/Earnings ratio to 26.43, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 6.25, 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 83.64% of the companies are valued more expensively.
OPFI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.66.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.21 | ||
| Fwd PE | 6.25 |
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 80.00% of the companies listed 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 76.36% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.63 | ||
| EV/EBITDA | 5.77 |
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)1.93
EPS Next 2Y35.89%
EPS Next 3Y26.38%
5. Dividend
5.1 Amount
OPFI has a Yearly Dividend Yield of 2.25%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.44, 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 | 2.25% |
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%
10.96
+0.29 (+2.72%)
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-5.87%
Market Cap946.51M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target14.79 (34.95%)
Short Float %16.68%
Short Ratio6.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.25% |
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)5.2%
EPS NQ rev (3m)5.2%
EPS NY rev (1m)5.06%
EPS NY rev (3m)10.6%
Revenue NQ rev (1m)0.53%
Revenue NQ rev (3m)2.52%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.21 | ||
| Fwd PE | 6.25 | ||
| P/S | 1.65 | ||
| P/FCF | 2.63 | ||
| P/OCF | 2.5 | ||
| P/B | 19.15 | ||
| P/tB | 19.15 | ||
| EV/EBITDA | 5.77 |
EPS(TTM)1.52
EY13.87%
EPS(NY)1.75
Fwd EY16.01%
FCF(TTM)4.17
FCFY38.07%
OCF(TTM)4.39
OCFY40.04%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.1
PEG (5Y)1.93
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 | 2.46 |
F-Score6
WACC10.96%
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.