OPPFI INC (OPFI) Stock Fundamental Analysis
NYSE:OPFI - New York Stock Exchange, Inc. - US68386H1032 - Common Stock - Currency: USD
OPFI gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. While OPFI has a great health rating, its profitability is only average at the moment. OPFI scores decently on growth, while it is valued quite cheap. This could make an interesting combination. These ratings could make OPFI a good candidate for value 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 (-1.51%) than 78.85% of its industry peers.
Looking at the Return On Equity, with a value of -42.80%, OPFI is doing worse than 88.46% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 23.14%, OPFI belongs to the top of the industry, outperforming 90.38% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for OPFI is above the industry average of 10.31%.
The last Return On Invested Capital (23.14%) for OPFI is above the 3 year average (12.63%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.51% | ||
| ROE | -42.8% | ||
| ROIC | 23.14% |
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's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 32.30%, OPFI belongs to the best of the industry, outperforming 90.38% of the companies in the same industry.
OPFI's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 98.76%, OPFI belongs to the top of the industry, outperforming 94.23% 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 | 32.3% | ||
| PM (TTM) | N/A | ||
| GM | 98.76% |
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.
The number of shares outstanding for OPFI has been reduced compared to 5 years ago.
Compared to 1 year ago, OPFI has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.77 indicates that OPFI is not a great score, but indicates only limited risk for bankruptcy at the moment.
OPFI's Altman-Z score of 2.77 is amongst the best of the industry. OPFI outperforms 82.69% of its industry peers.
The Debt to FCF ratio of OPFI is 0.91, which is an excellent value as it means it would take OPFI, only 0.91 years of fcf income to pay off all of its debts.
OPFI has a Debt to FCF ratio of 0.91. This is amongst the best in the industry. OPFI outperforms 88.46% of its industry peers.
OPFI has a Debt/Equity ratio of 12.77. This is a high value indicating a heavy dependency on external financing.
OPFI has a worse Debt to Equity ratio (12.77) than 88.46% of its industry peers.
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 | 12.77 | ||
| Debt/FCF | 0.91 | ||
| Altman-Z | 2.77 |
ROIC/WACC2.39
WACC9.69%
2.3 Liquidity
OPFI has a Current Ratio of 1.38. This is a normal value and indicates that OPFI is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.38, OPFI is in line with its industry, outperforming 53.85% of the companies in the same industry.
OPFI has a Quick Ratio of 1.38. This is a normal value and indicates that OPFI is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of OPFI (1.38) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.38 | ||
| Quick Ratio | 1.38 |
3. Growth
3.1 Past
OPFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 123.64%, which is quite impressive.
The Earnings Per Share has been growing slightly by 3.73% on average over the past years.
OPFI shows a small growth in Revenue. In the last year, the Revenue has grown by 3.82%.
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)123.64%
EPS 3Y-42.85%
EPS 5Y3.73%
EPS Q2Q%280%
Revenue 1Y (TTM)3.82%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%10.15%
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 21.00% on average per year.
Based on estimates for the next years, OPFI will show a quite strong growth in Revenue. The Revenue will grow by 9.70% on average per year.
EPS Next Y32.06%
EPS Next 2Y24.2%
EPS Next 3Y21%
EPS Next 5YN/A
Revenue Next Year10.25%
Revenue Next 2Y9.79%
Revenue Next 3Y9.7%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.15, which indicates a very decent valuation of OPFI.
The rest of the industry has a similar Price/Earnings ratio as OPFI.
Compared to an average S&P500 Price/Earnings ratio of 27.45, OPFI is valued rather cheaply.
The Price/Forward Earnings ratio is 9.36, which indicates a very decent valuation of OPFI.
The rest of the industry has a similar Price/Forward Earnings ratio as OPFI.
When comparing the Price/Forward Earnings ratio of OPFI to the average of the S&P500 Index (21.90), we can say OPFI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.15 | ||
| Fwd PE | 9.36 |
4.2 Price Multiples
75.00% of the companies in the same industry are more expensive than OPFI, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than the industry average as 73.08% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.75 | ||
| EV/EBITDA | 7.78 |
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.
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 21.00% in the coming years.
PEG (NY)0.35
PEG (5Y)2.99
EPS Next 2Y24.2%
EPS Next 3Y21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.82%, OPFI has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.59, OPFI pays a bit more dividend than its industry peers.
Compared to the average S&P500 Dividend Yield of 2.38, OPFI is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.82% |
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
OPFI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-24.6%
EPS Next 2Y24.2%
EPS Next 3Y21%
13.72
+0.21 (+1.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners45.94%
Inst Owner Change1.59%
Ins Owners6.9%
Ins Owner Change5.35%
Market Cap1.19B
Analysts80
Price Target15.05 (9.69%)
Short Float %26.36%
Short Ratio5.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.82% |
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP-24.6%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)50.4%
Min EPS beat(2)47.06%
Max EPS beat(2)53.74%
EPS beat(4)4
Avg EPS beat(4)59.57%
Min EPS beat(4)47.06%
Max EPS beat(4)83.43%
EPS beat(8)8
Avg EPS beat(8)105.53%
EPS beat(12)11
Avg EPS beat(12)129.48%
EPS beat(16)14
Avg EPS beat(16)343.31%
Revenue beat(2)0
Avg Revenue beat(2)-0.23%
Min Revenue beat(2)-0.33%
Max Revenue beat(2)-0.14%
Revenue beat(4)2
Avg Revenue beat(4)0.8%
Min Revenue beat(4)-0.33%
Max Revenue beat(4)2.74%
Revenue beat(8)5
Avg Revenue beat(8)0.4%
Revenue beat(12)9
Avg Revenue beat(12)2.2%
Revenue beat(16)11
Avg Revenue beat(16)1.68%
PT rev (1m)13.46%
PT rev (3m)13.46%
EPS NQ rev (1m)1.12%
EPS NQ rev (3m)9.76%
EPS NY rev (1m)9.17%
EPS NY rev (3m)14.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.1%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)3.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.15 | ||
| Fwd PE | 9.36 | ||
| P/S | 2.21 | ||
| P/FCF | 3.75 | ||
| P/OCF | 3.58 | ||
| P/B | 52.82 | ||
| P/tB | 52.82 | ||
| EV/EBITDA | 7.78 |
EPS(TTM)1.23
EY8.97%
EPS(NY)1.47
Fwd EY10.68%
FCF(TTM)3.66
FCFY26.69%
OCF(TTM)3.84
OCFY27.97%
SpS6.21
BVpS0.26
TBVpS0.26
PEG (NY)0.35
PEG (5Y)2.99
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.51% | ||
| ROE | -42.8% | ||
| ROCE | 29.29% | ||
| ROIC | 23.14% | ||
| ROICexc | 25.64% | ||
| ROICexgc | 26.48% | ||
| OM | 32.3% | ||
| PM (TTM) | N/A | ||
| GM | 98.76% | ||
| FCFM | 58.98% |
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%
ROICexcg growth 3Y-7.69%
ROICexcg 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-Score5
Asset Turnover0.84
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 12.77 | ||
| Debt/FCF | 0.91 | ||
| Debt/EBITDA | 1.58 | ||
| Cap/Depr | 176.42% | ||
| Cap/Sales | 2.83% | ||
| Interest Coverage | 4.29 | ||
| Cash Conversion | 182.29% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.38 | ||
| Quick Ratio | 1.38 | ||
| Altman-Z | 2.77 |
F-Score5
WACC9.69%
ROIC/WACC2.39
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)123.64%
EPS 3Y-42.85%
EPS 5Y3.73%
EPS Q2Q%280%
EPS Next Y32.06%
EPS Next 2Y24.2%
EPS Next 3Y21%
EPS Next 5YN/A
Revenue 1Y (TTM)3.82%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%10.15%
Revenue Next Year10.25%
Revenue Next 2Y9.79%
Revenue Next 3Y9.7%
Revenue Next 5YN/A
EBIT growth 1Y78.34%
EBIT growth 3Y-5.31%
EBIT growth 5Y20.75%
EBIT Next Year83.55%
EBIT Next 3Y19.62%
EBIT Next 5YN/A
FCF growth 1Y25.83%
FCF growth 3Y26.67%
FCF growth 5Y16.91%
OCF growth 1Y26.09%
OCF growth 3Y24.62%
OCF growth 5Y16.81%