OPPFI INC (OPFI) Fundamental Analysis & Valuation

NYSE:OPFI • US68386H1032

Current stock price

9.51 USD
0 (0%)
At close:
9.48 USD
-0.03 (-0.32%)
After Hours:

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

7

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 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 2024 2025 0 100M 200M 300M 400M

1.2 Ratios

  • The Return On Assets of OPFI (3.49%) is comparable to the rest of the industry.
  • The Return On Equity of OPFI (45.02%) is better than 96.30% of its industry peers.
  • OPFI has a better Return On Invested Capital (25.55%) than 96.30% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for OPFI is significantly above the industry average of 9.54%.
  • The last Return On Invested Capital (25.55%) for OPFI is above the 3 year average (19.54%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.49%
ROE 45.02%
ROIC 25.55%
ROA(3y)1.49%
ROA(5y)2.16%
ROE(3y)19.18%
ROE(5y)N/A
ROIC(3y)19.54%
ROIC(5y)18.36%
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 Profit Margin of 4.41%. This is in the lower half of the industry: OPFI underperforms 77.78% of its industry peers.
  • In the last couple of years the Profit Margin of OPFI has declined.
  • With an excellent Operating Margin value of 34.30%, OPFI belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • In the last couple of years the Operating Margin of OPFI has remained more or less at the same level.
  • The Gross Margin of OPFI (98.90%) is better than 94.44% 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 RankSector Rank
OM 34.3%
PM (TTM) 4.41%
GM 98.9%
OM growth 3Y68.45%
OM growth 5Y0.23%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. OPFI Health Analysis

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.
  • Compared to 1 year ago, OPFI has less shares outstanding
  • 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.
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 2.21. 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.
  • With an excellent Altman-Z score value of 2.21, OPFI belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
  • OPFI has a debt to FCF ratio of 0.84. This is a very positive value and a sign of high solvency as it would only need 0.84 years to pay back of all of its debts.
  • OPFI has a Debt to FCF ratio of 0.84. This is amongst the best in the industry. OPFI outperforms 88.89% of its industry peers.
  • OPFI has a Debt/Equity ratio of 4.41. This is a high value indicating a heavy dependency on external financing.
  • OPFI has a worse Debt to Equity ratio (4.41) than 66.67% 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 RankSector Rank
Debt/Equity 4.41
Debt/FCF 0.84
Altman-Z 2.21
ROIC/WACC2.83
WACC9.04%
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

  • A Current Ratio of 0.41 indicates that OPFI may have some problems paying its short term obligations.
  • OPFI has a Current ratio of 0.41. This is in the lower half of the industry: OPFI underperforms 61.11% of its industry peers.
  • A Quick Ratio of 0.41 indicates that OPFI may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.41, OPFI is doing worse than 61.11% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.41
Quick Ratio 0.41
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 50M 100M

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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.
  • The Earnings Per Share has been growing slightly by 7.25% on average over the past years.
  • 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

  • The Earnings Per Share is expected to grow by 13.84% on average over the next years. This is quite good.
  • Based on estimates for the next years, OPFI will show a quite strong growth in Revenue. The Revenue will grow by 10.86% on average per year.
EPS Next Y14.35%
EPS Next 2Y13.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.78%
Revenue Next 2Y10.86%
Revenue Next 3YN/A
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.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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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Find the best growth stocksShow best growing peers

8

4. OPFI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.98, which indicates a rather cheap valuation of OPFI.
  • Based on the Price/Earnings ratio, OPFI is valued a bit cheaper than 75.93% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.64. OPFI is valued rather cheaply when compared to this.
  • OPFI is valuated cheaply with a Price/Forward Earnings ratio of 5.23.
  • Based on the Price/Forward Earnings ratio, OPFI is valued cheaper than 85.19% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 21.36. OPFI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.98
Fwd PE 5.23
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

  • 88.89% of the companies in the same industry are more expensive than OPFI, based on the Enterprise Value to EBITDA ratio.
  • OPFI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 77.78% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.12
EV/EBITDA 4.94
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.
  • OPFI has a very decent profitability rating, which may justify a higher PE ratio.
  • OPFI's earnings are expected to grow with 13.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.42
PEG (5Y)0.83
EPS Next 2Y13.84%
EPS Next 3YN/A

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

0

5. OPFI Dividend Analysis

5.1 Amount

  • No dividends for OPFI!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

OPFI Fundamentals: All Metrics, Ratios and Statistics

OPPFI INC

NYSE:OPFI (5/1/2026, 8:04:00 PM)

After market: 9.48 -0.03 (-0.32%)

9.51

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry Strength54.66
Industry Growth96.89
Earnings (Last)03-11
Earnings (Next)05-07
Inst Owners84.39%
Inst Owner Change0.11%
Ins Owners6.42%
Ins Owner Change-0.87%
Market Cap809.49M
Revenue(TTM)597.05M
Net Income(TTM)26.33M
Analysts80
Price Target14.62 (53.73%)
Short Float %11.91%
Short Ratio6.83
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.07
Dividend Growth(5Y)N/A
DP24.36%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.62%
Min EPS beat(2)2.3%
Max EPS beat(2)40.93%
EPS beat(4)4
Avg EPS beat(4)34.96%
Min EPS beat(4)2.3%
Max EPS beat(4)49.55%
EPS beat(8)8
Avg EPS beat(8)53.39%
EPS beat(12)12
Avg EPS beat(12)131.81%
EPS beat(16)15
Avg EPS beat(16)341.76%
Revenue beat(2)0
Avg Revenue beat(2)-1.6%
Min Revenue beat(2)-2.3%
Max Revenue beat(2)-0.9%
Revenue beat(4)0
Avg Revenue beat(4)-1.06%
Min Revenue beat(4)-2.3%
Max Revenue beat(4)-0.14%
Revenue beat(8)3
Avg Revenue beat(8)-0.05%
Revenue beat(12)6
Avg Revenue beat(12)0.02%
Revenue beat(16)10
Avg Revenue beat(16)1.98%
PT rev (1m)-5.49%
PT rev (3m)-1.15%
EPS NQ rev (1m)-3.68%
EPS NQ rev (3m)-17.44%
EPS NY rev (1m)2.44%
EPS NY rev (3m)3.63%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-4.34%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.12%
Valuation
Industry RankSector Rank
PE 5.98
Fwd PE 5.23
P/S 1.36
P/FCF 2.12
P/OCF 2.02
P/B 13.84
P/tB 13.84
EV/EBITDA 4.94
EPS(TTM)1.59
EY16.72%
EPS(NY)1.82
Fwd EY19.12%
FCF(TTM)4.49
FCFY47.21%
OCF(TTM)4.71
OCFY49.57%
SpS7.01
BVpS0.69
TBVpS0.69
PEG (NY)0.42
PEG (5Y)0.83
Graham Number4.95784 (-47.87%)
Profitability
Industry RankSector Rank
ROA 3.49%
ROE 45.02%
ROCE 32.35%
ROIC 25.55%
ROICexc 29.97%
ROICexgc 31.51%
OM 34.3%
PM (TTM) 4.41%
GM 98.9%
FCFM 64.01%
ROA(3y)1.49%
ROA(5y)2.16%
ROE(3y)19.18%
ROE(5y)N/A
ROIC(3y)19.54%
ROIC(5y)18.36%
ROICexc(3y)22.91%
ROICexc(5y)20.74%
ROICexgc(3y)23.78%
ROICexgc(5y)21.45%
ROCE(3y)24.73%
ROCE(5y)23.24%
ROICexgc growth 3Y83.34%
ROICexgc growth 5Y-1.67%
ROICexc growth 3Y82.12%
ROICexc growth 5Y-2.03%
OM growth 3Y68.45%
OM growth 5Y0.23%
PM growth 3Y41.16%
PM growth 5Y-30.21%
GM growth 3Y0.41%
GM growth 5Y0.06%
F-Score7
Asset Turnover0.79
Health
Industry RankSector Rank
Debt/Equity 4.41
Debt/FCF 0.84
Debt/EBITDA 1.23
Cap/Depr 370.48%
Cap/Sales 3.2%
Interest Coverage 5.67
Cash Conversion 191.14%
Profit Quality 1451.6%
Current Ratio 0.41
Quick Ratio 0.41
Altman-Z 2.21
F-Score7
WACC9.04%
ROIC/WACC2.83
Cap/Depr(3y)192.1%
Cap/Depr(5y)162.78%
Cap/Sales(3y)2.48%
Cap/Sales(5y)2.89%
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 Y14.35%
EPS Next 2Y13.84%
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 Year10.78%
Revenue Next 2Y10.86%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y43.99%
EBIT growth 3Y84.71%
EBIT growth 5Y15.72%
EBIT Next Year37.31%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y22.97%
FCF growth 3Y18.45%
FCF growth 5Y16.07%
OCF growth 1Y23.93%
OCF growth 3Y18.15%
OCF growth 5Y15.87%

OPPFI INC / OPFI Fundamental Analysis FAQ

What is the fundamental rating for OPFI stock?

ChartMill assigns a fundamental rating of 6 / 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.


Can you provide the profitability details for OPPFI INC?

OPPFI INC (OPFI) has a profitability rating of 7 / 10.


How financially healthy is OPPFI INC?

The financial health rating of OPPFI INC (OPFI) is 5 / 10.


Is the dividend of OPPFI INC sustainable?

The dividend rating of OPPFI INC (OPFI) is 0 / 10 and the dividend payout ratio is 24.36%.