OPPFI INC (OPFI) Stock Fundamental Analysis
USA - NYSE:OPFI - US68386H1032 - Common Stock
10.11 USD
+0.17 (+1.71%)
OPFI gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. While OPFI has a great health rating, its profitability is only average at the moment. 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.
In the past year OPFI had a positive cash flow from operations.
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
OPFI's Return On Assets of -4.97% is on the low side compared to the rest of the industry. OPFI is outperformed by 89.09% of its industry peers.
Looking at the Return On Equity, with a value of -250.90%, OPFI is doing worse than 89.09% of the companies in the same industry.
OPFI has a Return On Invested Capital of 23.55%. This is amongst the best in the industry. OPFI outperforms 90.91% of its industry peers.
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 11.58%.
The 3 year average ROIC (12.63%) for OPFI is below the current ROIC(23.55%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -4.97% | ||
| ROE | -250.9% | ||
| ROIC | 23.55% |
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
In the last couple of years the Profit Margin of OPFI has declined.
Looking at the Operating Margin, with a value of 33.89%, OPFI belongs to the top of the industry, outperforming 89.09% of the companies in the same industry.
OPFI's Operating Margin has improved in the last couple of years.
With an excellent Gross Margin value of 98.83%, OPFI belongs to the best of the industry, outperforming 96.36% of the companies in the same industry.
OPFI's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 33.89% | ||
| PM (TTM) | N/A | ||
| GM | 98.83% |
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.
OPFI has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.36 indicates that OPFI is not a great score, but indicates only limited risk for bankruptcy at the moment.
OPFI has a better Altman-Z score (2.36) than 80.00% of its industry peers.
The Debt to FCF ratio of OPFI is 0.92, which is an excellent value as it means it would take OPFI, only 0.92 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.92, OPFI belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
OPFI has a Debt/Equity ratio of 22.91. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 22.91, OPFI is doing worse than 89.09% of the companies in the same industry.
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 | 22.91 | ||
| Debt/FCF | 0.92 | ||
| Altman-Z | 2.36 |
ROIC/WACC2.01
WACC11.71%
2.3 Liquidity
OPFI has a Current Ratio of 1.17. 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 Current ratio of 1.17 is in line compared to the rest of the industry. OPFI outperforms 52.73% of its industry peers.
OPFI has a Quick Ratio of 1.17. 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 (1.17) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.17 | ||
| Quick Ratio | 1.17 |
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.
The Revenue has grown by 9.63% 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 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
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.
Based on estimates for the next years, OPFI will show a quite strong growth in Revenue. The Revenue will grow by 11.81% on average per year.
EPS Next Y60.78%
EPS Next 2Y33.6%
EPS Next 3Y26.38%
EPS Next 5YN/A
Revenue Next Year13.85%
Revenue Next 2Y12.41%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 6.65, the valuation of OPFI can be described as very cheap.
70.91% of the companies in the same industry are more expensive than OPFI, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.06. OPFI is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 5.96 indicates a rather cheap valuation of OPFI.
81.82% of the companies in the same industry are more expensive than OPFI, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, OPFI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.65 | ||
| Fwd PE | 5.96 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, OPFI is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
76.36% of the companies in the same industry are more expensive than OPFI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.64 | ||
| EV/EBITDA | 5.6 |
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 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 26.38% in the coming years.
PEG (NY)0.11
PEG (5Y)1.78
EPS Next 2Y33.6%
EPS Next 3Y26.38%
5. Dividend
5.1 Amount
OPFI has a Yearly Dividend Yield of 2.52%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.75, OPFI pays a bit more dividend than its industry peers.
OPFI's Dividend Yield is comparable with the S&P500 average which is at 2.36.
| 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
OPFI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-19.15%
EPS Next 2Y33.6%
EPS Next 3Y26.38%
NYSE:OPFI (11/10/2025, 3:45:04 PM)
10.11
+0.17 (+1.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners55.84%
Inst Owner Change3.54%
Ins Owners6.22%
Ins Owner Change-14.36%
Market Cap882.70M
Revenue(TTM)573.52M
Net Income(TTM)-33.50M
Analysts80
Price Target14.45 (42.93%)
Short Float %18.24%
Short Ratio5.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP-19.15%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)48.31%
Min EPS beat(2)47.06%
Max EPS beat(2)49.55%
EPS beat(4)4
Avg EPS beat(4)51.1%
Min EPS beat(4)47.06%
Max EPS beat(4)54.06%
EPS beat(8)8
Avg EPS beat(8)67.88%
EPS beat(12)11
Avg EPS beat(12)131.14%
EPS beat(16)14
Avg EPS beat(16)340.76%
Revenue beat(2)0
Avg Revenue beat(2)-0.52%
Min Revenue beat(2)-0.9%
Max Revenue beat(2)-0.14%
Revenue beat(4)1
Avg Revenue beat(4)0.34%
Min Revenue beat(4)-0.9%
Max Revenue beat(4)2.74%
Revenue beat(8)4
Avg Revenue beat(8)-0.03%
Revenue beat(12)8
Avg Revenue beat(12)1.88%
Revenue beat(16)11
Avg Revenue beat(16)1.97%
PT rev (1m)0%
PT rev (3m)-3.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.56%
EPS NY rev (1m)5.27%
EPS NY rev (3m)21.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.08%
Revenue NY rev (1m)0.73%
Revenue NY rev (3m)2.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.65 | ||
| Fwd PE | 5.96 | ||
| P/S | 1.59 | ||
| P/FCF | 2.64 | ||
| P/OCF | 2.51 | ||
| P/B | 66.12 | ||
| P/tB | 66.12 | ||
| EV/EBITDA | 5.6 |
EPS(TTM)1.52
EY15.03%
EPS(NY)1.7
Fwd EY16.77%
FCF(TTM)3.83
FCFY37.85%
OCF(TTM)4.03
OCFY39.81%
SpS6.36
BVpS0.15
TBVpS0.15
PEG (NY)0.11
PEG (5Y)1.78
Graham Number2.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -4.97% | ||
| ROE | -250.9% | ||
| ROCE | 29.8% | ||
| ROIC | 23.55% | ||
| ROICexc | 26.88% | ||
| ROICexgc | 27.78% | ||
| OM | 33.89% | ||
| PM (TTM) | N/A | ||
| GM | 98.83% | ||
| FCFM | 60.2% |
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 Turnover0.82
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 22.91 | ||
| Debt/FCF | 0.92 | ||
| Debt/EBITDA | 1.56 | ||
| Cap/Depr | 225.86% | ||
| Cap/Sales | 3.12% | ||
| Interest Coverage | 4.81 | ||
| Cash Conversion | 179.5% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.17 | ||
| Quick Ratio | 1.17 | ||
| Altman-Z | 2.36 |
F-Score6
WACC11.71%
ROIC/WACC2.01
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 Y60.78%
EPS Next 2Y33.6%
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 Year13.85%
Revenue Next 2Y12.41%
Revenue Next 3Y11.81%
Revenue Next 5YN/A
EBIT growth 1Y73.33%
EBIT growth 3Y-5.31%
EBIT growth 5Y20.75%
EBIT Next Year108.45%
EBIT Next 3Y30.7%
EBIT Next 5YN/A
FCF growth 1Y24.62%
FCF growth 3Y26.67%
FCF growth 5Y16.91%
OCF growth 1Y25.92%
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 7 / 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 7 / 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 60.78% in the next year.