OPPFI INC (OPFI) Fundamental Analysis & Valuation

NYSE:OPFI • US68386H1032

Current stock price

8.29 USD
+0.01 (+0.12%)
At close:
8.26 USD
-0.03 (-0.36%)
After Hours:

This OPFI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. OPFI Profitability Analysis

1.1 Basic Checks

  • In the past year OPFI was profitable.
  • 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 4 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 2024 2025 0 100M 200M 300M

1.2 Ratios

  • The Return On Assets of OPFI (0.54%) is worse than 74.07% of its industry peers.
  • Looking at the Return On Equity, with a value of 7.84%, OPFI is doing worse than 70.37% of the companies in the same industry.
  • OPFI's Return On Invested Capital of 23.43% is amongst the best of the industry. OPFI outperforms 90.74% of its industry peers.
Industry RankSector Rank
ROA 0.54%
ROE 7.84%
ROIC 23.43%
ROA(3y)1.49%
ROA(5y)2.16%
ROE(3y)7.01%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
OPFI Yearly ROA, ROE, ROICOPFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 0 -500 -1K

1.3 Margins

  • OPFI has a worse Profit Margin (0.68%) than 81.48% of its industry peers.
  • OPFI's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 34.91%, OPFI belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
  • OPFI's Operating Margin has been stable in the last couple of years.
  • The Gross Margin of OPFI (98.87%) is better than 94.44% of its industry peers.
  • OPFI's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 34.91%
PM (TTM) 0.68%
GM 98.87%
OM growth 3Y68.4%
OM growth 5Y0.21%
PM growth 3Y41.16%
PM growth 5Y-30.21%
GM growth 3Y0.41%
GM growth 5Y0.06%
OPFI Yearly Profit, Operating, Gross MarginsOPFI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

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5

2. OPFI Health Analysis

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 about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for OPFI has been reduced compared to 5 years ago.
  • The debt/assets ratio for OPFI has been reduced compared to a year ago.
OPFI Yearly Shares OutstandingOPFI Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 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 2024 2025 200M 400M 600M

2.2 Solvency

  • OPFI has an Altman-Z score of 2.26. 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.
  • The Altman-Z score of OPFI (2.26) is better than 79.63% 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.
  • The Debt to FCF ratio of OPFI (0.89) is better than 90.74% 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 has a Debt to Equity ratio of 6.49. This is in the lower half of the industry: OPFI underperforms 72.22% of its industry peers.
  • Although OPFI's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 6.49
Debt/FCF 0.89
Altman-Z 2.26
ROIC/WACC2.51
WACC9.35%
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 2024 2025 0 100M 200M 300M

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.
  • Looking at the Current ratio, with a value of 1.00, OPFI is in line with its industry, outperforming 44.44% of the companies in the same 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 44.44% of its industry peers.
Industry RankSector Rank
Current Ratio 1
Quick Ratio 1
OPFI Yearly Current Assets VS Current LiabilitesOPFI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. OPFI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 67.37% 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 7.25% on average per year.
  • The Revenue has grown by 13.52% in the past year. This is quite good.
  • Measured over the past years, OPFI shows a quite strong growth in Revenue. The Revenue has been growing by 15.46% on average per year.
EPS 1Y (TTM)67.37%
EPS 3Y131.56%
EPS 5Y7.25%
EPS Q2Q%30.43%
Revenue 1Y (TTM)13.52%
Revenue growth 3Y9.65%
Revenue growth 5Y15.46%
Sales Q2Q%17.33%

3.2 Future

  • Based on estimates for the next years, OPFI will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.41% on average per year.
  • OPFI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.80% yearly.
EPS Next Y11.62%
EPS Next 2Y13.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.97%
Revenue Next 2Y11.8%
Revenue Next 3YN/A
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.
OPFI Yearly Revenue VS EstimatesOPFI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
OPFI Yearly EPS VS EstimatesOPFI Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 0.5 1 1.5 2

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8

4. OPFI Valuation Analysis

4.1 Price/Earnings Ratio

  • OPFI is valuated cheaply with a Price/Earnings ratio of 5.21.
  • Compared to the rest of the industry, the Price/Earnings ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 74.07% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.96. OPFI is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 4.67 indicates a rather cheap valuation of OPFI.
  • Based on the Price/Forward Earnings ratio, OPFI is valued cheaply inside the industry as 87.04% of the companies are valued more expensively.
  • OPFI is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.21
Fwd PE 4.67
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

  • 77.78% 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 74.07% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.99
EV/EBITDA 4.65
OPFI Per share dataOPFI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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's earnings are expected to grow with 13.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)0.72
EPS Next 2Y13.41%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. OPFI Dividend Analysis

5.1 Amount

  • OPFI has a Yearly Dividend Yield of 3.02%. Purely for dividend investing, there may be better candidates out there.
  • The stock price of OPFI dropped by -22.81% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 3.13, OPFI pays a bit more dividend than its industry peers.
  • OPFI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 3.02%

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
OPFI Yearly Dividends per shareOPFI Yearly Dividends per shareYearly Dividends per share 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

  • OPFI pays out 165.57% of its income as dividend. This is not a sustainable payout ratio.
DP165.57%
EPS Next 2Y13.41%
EPS Next 3YN/A
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 2024 2025 0 100M 200M 300M
OPFI Dividend Payout.OPFI Dividend Payout, showing the Payout Ratio.OPFI Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

OPFI Fundamentals: All Metrics, Ratios and Statistics

OPPFI INC

NYSE:OPFI (3/16/2026, 7:48:20 PM)

After market: 8.26 -0.03 (-0.36%)

8.29

+0.01 (+0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-11
Earnings (Next)05-05
Inst Owners81%
Inst Owner Change7.4%
Ins Owners5.41%
Ins Owner Change-25.96%
Market Cap715.92M
Revenue(TTM)597.05M
Net Income(TTM)3.87M
Analysts80
Price Target15.47 (86.61%)
Short Float %14.68%
Short Ratio7.46
Dividend
Industry RankSector Rank
Dividend Yield 3.02%
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)4.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.45%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)-0.05%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.05%
Valuation
Industry RankSector Rank
PE 5.21
Fwd PE 4.67
P/S 1.25
P/FCF 1.99
P/OCF 1.89
P/B 14.49
P/tB 14.49
EV/EBITDA 4.65
EPS(TTM)1.59
EY19.18%
EPS(NY)1.77
Fwd EY21.41%
FCF(TTM)4.17
FCFY50.34%
OCF(TTM)4.39
OCFY52.94%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.45
PEG (5Y)0.72
Graham Number4.52
Profitability
Industry RankSector 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)1.49%
ROA(5y)2.16%
ROE(3y)7.01%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y68.4%
OM growth 5Y0.21%
PM growth 3Y41.16%
PM growth 5Y-30.21%
GM growth 3Y0.41%
GM growth 5Y0.06%
F-Score7
Asset Turnover0.8
Health
Industry RankSector 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 2.26
F-Score7
WACC9.35%
ROIC/WACC2.51
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)67.37%
EPS 3Y131.56%
EPS 5Y7.25%
EPS Q2Q%30.43%
EPS Next Y11.62%
EPS Next 2Y13.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.52%
Revenue growth 3Y9.65%
Revenue growth 5Y15.46%
Sales Q2Q%17.33%
Revenue Next Year10.97%
Revenue Next 2Y11.8%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y57.3%
EBIT growth 3Y84.65%
EBIT growth 5Y15.7%
EBIT Next Year28.74%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y19.67%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y21.53%
OCF growth 3YN/A
OCF growth 5YN/A

OPPFI INC / OPFI Fundamental Analysis FAQ

What is the fundamental rating for OPFI stock?

ChartMill assigns a fundamental rating of 5 / 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 4 / 10.


Can you provide the PE and PB ratios for OPFI stock?

The Price/Earnings (PE) ratio for OPPFI INC (OPFI) is 5.21 and the Price/Book (PB) ratio is 14.49.


How sustainable is the dividend of OPPFI INC (OPFI) stock?

The dividend rating of OPPFI INC (OPFI) is 3 / 10 and the dividend payout ratio is 165.57%.