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OPPFI INC (OPFI) Stock Fundamental Analysis

NYSE:OPFI - New York Stock Exchange, Inc. - US68386H1032 - Common Stock - Currency: USD

11.29  -0.03 (-0.27%)

After market: 11.31 +0.02 (+0.18%)

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to OPFI. OPFI was compared to 53 industry peers in the Consumer Finance industry. While OPFI has a great profitability rating, there are some minor concerns on its financial health. OPFI may be a bit undervalued, certainly considering the very reasonable score on growth With these ratings, OPFI could be worth investigating further for value investing!.


Dividend Valuation Growth Profitability Health

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7

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.
OPFI Yearly Net Income VS EBIT VS OCF VS FCFOPFI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 0 50M 100M 150M 200M 250M

1.2 Ratios

OPFI has a Return On Assets (1.18%) which is in line with its industry peers.
The Return On Equity of OPFI (20.92%) is better than 82.69% of its industry peers.
With an excellent Return On Invested Capital value of 17.48%, OPFI belongs to the best of the industry, outperforming 94.23% of the companies in the same industry.
OPFI had an Average Return On Invested Capital over the past 3 years of 15.45%. This is significantly above the industry average of 7.30%.
The last Return On Invested Capital (17.48%) for OPFI is above the 3 year average (15.45%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.18%
ROE 20.92%
ROIC 17.48%
ROA(3y)2.05%
ROA(5y)8.96%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)15.45%
ROIC(5y)18.52%
OPFI Yearly ROA, ROE, ROICOPFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 0 -500 -1K

1.3 Margins

OPFI's Profit Margin of 1.40% is on the low side compared to the rest of the industry. OPFI is outperformed by 71.15% of its industry peers.
OPFI's Operating Margin of 24.33% is amongst the best of the industry. OPFI outperforms 80.77% of its industry peers.
OPFI's Operating Margin has been stable in the last couple of years.
OPFI has a Gross Margin of 98.44%. This is amongst the best in the industry. OPFI outperforms 94.23% of its industry peers.
OPFI's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 24.33%
PM (TTM) 1.4%
GM 98.44%
OM growth 3Y-18.76%
OM growth 5Y-1.32%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.21%
GM growth 5Y-0.22%
OPFI Yearly Profit, Operating, Gross MarginsOPFI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 0 20 40 60 80

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6

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.
The number of shares outstanding for OPFI has been increased compared to 1 year ago.
OPFI has a better debt/assets ratio than last year.
OPFI Yearly Shares OutstandingOPFI Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M
OPFI Yearly Total Debt VS Total AssetsOPFI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 200M 400M 600M

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.
OPFI's Altman-Z score of 2.42 is fine compared to the rest of the industry. OPFI outperforms 75.00% of its industry peers.
OPFI has a debt to FCF ratio of 1.08. This is a very positive value and a sign of high solvency as it would only need 1.08 years to pay back of all of its debts.
OPFI's Debt to FCF ratio of 1.08 is amongst the best of the industry. OPFI outperforms 84.62% of its industry peers.
OPFI has a Debt/Equity ratio of 9.33. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 9.33, OPFI is not doing good in the industry: 88.46% 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 RankSector Rank
Debt/Equity 9.33
Debt/FCF 1.08
Altman-Z 2.42
ROIC/WACC1.84
WACC9.51%
OPFI Yearly LT Debt VS Equity VS FCFOPFI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 0 100M 200M 300M

2.3 Liquidity

A Current Ratio of 1.12 indicates that OPFI should not have too much problems paying its short term obligations.
OPFI has a Current ratio of 1.12. This is comparable to the rest of the industry: OPFI outperforms 50.00% of its industry peers.
OPFI has a Quick Ratio of 1.12. This is a normal value and indicates that OPFI is financially healthy and should not expect problems in meeting its short term obligations.
OPFI's Quick ratio of 1.12 is in line compared to the rest of the industry. OPFI outperforms 50.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.12
Quick Ratio 1.12
OPFI Yearly Current Assets VS Current LiabilitesOPFI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 0 20M -20M 40M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 290.48% over the past year.
The Revenue has been growing slightly by 4.80% in the past year.
Measured over the past years, OPFI shows a very strong growth in Revenue. The Revenue has been growing by 34.99% on average per year.
EPS 1Y (TTM)290.48%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%106.25%
Revenue 1Y (TTM)4.8%
Revenue growth 3Y20.72%
Revenue growth 5Y34.99%
Sales Q2Q%2.57%

3.2 Future

The Earnings Per Share is expected to grow by 32.87% on average over the next years. This is a very strong growth
Based on estimates for the next years, OPFI will show a small growth in Revenue. The Revenue will grow by 7.98% on average per year.
EPS Next Y76.12%
EPS Next 2Y37.24%
EPS Next 3Y32.87%
EPS Next 5YN/A
Revenue Next Year2.5%
Revenue Next 2Y4.48%
Revenue Next 3Y7.98%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
OPFI Yearly Revenue VS EstimatesOPFI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
OPFI Yearly EPS VS EstimatesOPFI Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0.2 0.4 0.6 0.8 1

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7

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.77, which indicates a correct valuation of OPFI.
OPFI's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 29.63. OPFI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 11.99, the valuation of OPFI can be described as reasonable.
OPFI's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.68. OPFI is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.77
Fwd PE 11.99
OPFI Price Earnings VS Forward Price EarningsOPFI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 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 78.85% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than 71.15% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.23
EV/EBITDA 9.13
OPFI Per share dataOPFI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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.
OPFI's earnings are expected to grow with 32.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y37.24%
EPS Next 3Y32.87%

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2

5. Dividend

5.1 Amount

With a yearly dividend of 0.92%, OPFI is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.09, OPFI has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.29, OPFI's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.92%

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 Years0
Div Non Decr Years0
OPFI Yearly Dividends per shareOPFI Yearly Dividends per shareYearly Dividends per share 2024 0.02 0.04 0.06 0.08 0.1

5.3 Sustainability

32.93% of the earnings are spent on dividend by OPFI. This is a low number and sustainable payout ratio.
DP32.93%
EPS Next 2Y37.24%
EPS Next 3Y32.87%
OPFI Yearly Income VS Free CF VS DividendOPFI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 0 50M 100M 150M 200M 250M
OPFI Dividend Payout.OPFI Dividend Payout, showing the Payout Ratio.OPFI Dividend Payout.PayoutRetained Earnings

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OPPFI INC

NYSE:OPFI (2/21/2025, 8:04:01 PM)

After market: 11.31 +0.02 (+0.18%)

11.29

-0.03 (-0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-07 2024-11-07/bmo
Earnings (Next)03-06 2025-03-06/amc
Inst Owners37.22%
Inst Owner Change28.54%
Ins Owners9.51%
Ins Owner Change-4.34%
Market Cap973.31M
Analysts82.5
Price Target10.46 (-7.35%)
Short Float %33.72%
Short Ratio3.62
Dividend
Industry RankSector Rank
Dividend Yield 0.92%
Yearly Dividend0.09
Dividend Growth(5Y)N/A
DP32.93%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)68.74%
Min EPS beat(2)54.06%
Max EPS beat(2)83.43%
EPS beat(4)4
Avg EPS beat(4)66.07%
Min EPS beat(4)30.72%
Max EPS beat(4)96.08%
EPS beat(8)7
Avg EPS beat(8)163.4%
EPS beat(12)10
Avg EPS beat(12)439%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)1.84%
Min Revenue beat(2)0.93%
Max Revenue beat(2)2.74%
Revenue beat(4)3
Avg Revenue beat(4)0.09%
Min Revenue beat(4)-3.78%
Max Revenue beat(4)2.74%
Revenue beat(8)7
Avg Revenue beat(8)1.5%
Revenue beat(12)10
Avg Revenue beat(12)2.59%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)13.89%
PT rev (3m)86.36%
EPS NQ rev (1m)2.33%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)4.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.75%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.2%
Valuation
Industry RankSector Rank
PE 13.77
Fwd PE 11.99
P/S 1.86
P/FCF 3.23
P/OCF 3.12
P/B 27.9
P/tB 27.9
EV/EBITDA 9.13
EPS(TTM)0.82
EY7.26%
EPS(NY)0.94
Fwd EY8.34%
FCF(TTM)3.49
FCFY30.94%
OCF(TTM)3.62
OCFY32.04%
SpS6.07
BVpS0.4
TBVpS0.4
PEG (NY)0.18
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.18%
ROE 20.92%
ROCE 22.13%
ROIC 17.48%
ROICexc 18.96%
ROICexgc 19.49%
OM 24.33%
PM (TTM) 1.4%
GM 98.44%
FCFM 57.56%
ROA(3y)2.05%
ROA(5y)8.96%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)15.45%
ROIC(5y)18.52%
ROICexc(3y)16.71%
ROICexc(5y)20.17%
ROICexgc(3y)17.17%
ROICexgc(5y)20.77%
ROCE(3y)19.56%
ROCE(5y)23.45%
ROICexcg growth 3Y-23.03%
ROICexcg growth 5YN/A
ROICexc growth 3Y-22.97%
ROICexc growth 5YN/A
OM growth 3Y-18.76%
OM growth 5Y-1.32%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.21%
GM growth 5Y-0.22%
F-Score8
Asset Turnover0.84
Health
Industry RankSector Rank
Debt/Equity 9.33
Debt/FCF 1.08
Debt/EBITDA 2.36
Cap/Depr 102.57%
Cap/Sales 2.04%
Interest Coverage 2.92
Cash Conversion 226.47%
Profit Quality 4125.3%
Current Ratio 1.12
Quick Ratio 1.12
Altman-Z 2.42
F-Score8
WACC9.51%
ROIC/WACC1.84
Cap/Depr(3y)102.73%
Cap/Depr(5y)124.28%
Cap/Sales(3y)2.93%
Cap/Sales(5y)3.07%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)290.48%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%106.25%
EPS Next Y76.12%
EPS Next 2Y37.24%
EPS Next 3Y32.87%
EPS Next 5YN/A
Revenue 1Y (TTM)4.8%
Revenue growth 3Y20.72%
Revenue growth 5Y34.99%
Sales Q2Q%2.57%
Revenue Next Year2.5%
Revenue Next 2Y4.48%
Revenue Next 3Y7.98%
Revenue Next 5YN/A
EBIT growth 1Y65.07%
EBIT growth 3Y-1.93%
EBIT growth 5Y33.21%
EBIT Next Year266.17%
EBIT Next 3Y65.74%
EBIT Next 5YN/A
FCF growth 1Y46.54%
FCF growth 3Y16.54%
FCF growth 5Y37.28%
OCF growth 1Y42.07%
OCF growth 3Y15.52%
OCF growth 5Y36.28%