OPPFI INC (OPFI) Stock Fundamental Analysis
USA - NYSE:OPFI - US68386H1032 - Common Stock
11.72 USD
+0.3 (+2.63%)
11.85 USD
+0.13 (+1.11%)
Taking everything into account, OPFI scores 7 out of 10 in our fundamental rating. OPFI was compared to 54 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.
OPFI had a positive operating cash flow in the past year.
Of the past 5 years OPFI 4 years were profitable.
OPFI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of -4.97%, OPFI is doing worse than 88.89% of the companies in the same industry.
OPFI's Return On Equity of -250.90% is on the low side compared to the rest of the industry. OPFI is outperformed by 90.74% of its industry peers.
With an excellent Return On Invested Capital value of 23.55%, OPFI belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for OPFI is in line with the industry average of 11.02%.
The last Return On Invested Capital (23.55%) for OPFI is above the 3 year average (12.63%), which is a sign of increasing profitability.
| 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.
OPFI has a better Operating Margin (33.89%) than 88.89% of its industry peers.
OPFI's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 98.83%, OPFI belongs to the top of the industry, outperforming 94.44% 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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), OPFI is creating value.
The number of shares outstanding for OPFI has been reduced compared to 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.
2.2 Solvency
An Altman-Z score of 2.47 indicates that OPFI is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of OPFI (2.47) is better than 77.78% 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.
OPFI has a Debt to FCF ratio of 0.92. This is amongst the best in the industry. OPFI outperforms 88.89% of its industry peers.
A Debt/Equity ratio of 22.91 is on the high side and indicates that OPFI has dependencies on debt financing.
OPFI has a Debt to Equity ratio of 22.91. This is amonst the worse of the industry: OPFI underperforms 90.74% 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 | 22.91 | ||
| Debt/FCF | 0.92 | ||
| Altman-Z | 2.47 |
ROIC/WACC1.96
WACC12.01%
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.
Looking at the Current ratio, with a value of 1.17, OPFI is in line with its industry, outperforming 51.85% of the companies in the same industry.
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.
OPFI has a Quick ratio of 1.17. This is comparable to the rest of the industry: OPFI outperforms 51.85% of its industry peers.
| 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 113.85% over the past year.
The Earnings Per Share has been growing slightly by 3.73% on average over the past years.
Looking at the last year, OPFI shows a small growth in Revenue. The Revenue has grown by 6.78% in the last year.
OPFI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.08% yearly.
EPS 1Y (TTM)113.85%
EPS 3Y-42.85%
EPS 5Y3.73%
EPS Q2Q%55.17%
Revenue 1Y (TTM)6.78%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%12.78%
3.2 Future
The Earnings Per Share is expected to grow by 26.38% on average over the next years. This is a very strong growth
OPFI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.81% yearly.
EPS Next Y52.73%
EPS Next 2Y29%
EPS Next 3Y26.38%
EPS Next 5YN/A
Revenue Next Year13.02%
Revenue Next 2Y11.48%
Revenue Next 3Y11.81%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 8.43, the valuation of OPFI can be described as very reasonable.
Based on the Price/Earnings ratio, OPFI is valued a bit cheaper than 70.37% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.20, OPFI is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.41, the valuation of OPFI can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 75.93% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.70. OPFI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.43 | ||
| Fwd PE | 7.41 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, OPFI is valued a bit cheaper than the industry average as 79.63% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 74.07% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.06 | ||
| EV/EBITDA | 6.26 |
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 26.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.16
PEG (5Y)2.26
EPS Next 2Y29%
EPS Next 3Y26.38%
5. Dividend
5.1 Amount
OPFI has a Yearly Dividend Yield of 2.27%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.46, OPFI pays a bit more dividend than its industry peers.
OPFI's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.27% |
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-19.15%
EPS Next 2Y29%
EPS Next 3Y26.38%
11.72
+0.3 (+2.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners46.81%
Inst Owner Change31.84%
Ins Owners6.68%
Ins Owner Change5.67%
Market Cap1.02B
Analysts80
Price Target14.45 (23.29%)
Short Float %18.64%
Short Ratio4.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.27% |
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)-3.41%
PT rev (3m)6.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.34%
EPS NY rev (1m)15.18%
EPS NY rev (3m)26.26%
Revenue NQ rev (1m)1.27%
Revenue NQ rev (3m)4.91%
Revenue NY rev (1m)1.95%
Revenue NY rev (3m)2.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.43 | ||
| Fwd PE | 7.41 | ||
| P/S | 1.84 | ||
| P/FCF | 3.06 | ||
| P/OCF | 2.91 | ||
| P/B | 76.64 | ||
| P/tB | 76.64 | ||
| EV/EBITDA | 6.26 |
EPS(TTM)1.39
EY11.86%
EPS(NY)1.58
Fwd EY13.49%
FCF(TTM)3.83
FCFY32.65%
OCF(TTM)4.03
OCFY34.34%
SpS6.36
BVpS0.15
TBVpS0.15
PEG (NY)0.16
PEG (5Y)2.26
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%
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-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 | 2.47 |
F-Score6
WACC12.01%
ROIC/WACC1.96
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)113.85%
EPS 3Y-42.85%
EPS 5Y3.73%
EPS Q2Q%55.17%
EPS Next Y52.73%
EPS Next 2Y29%
EPS Next 3Y26.38%
EPS Next 5YN/A
Revenue 1Y (TTM)6.78%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%12.78%
Revenue Next Year13.02%
Revenue Next 2Y11.48%
Revenue Next 3Y11.81%
Revenue Next 5YN/A
EBIT growth 1Y73.33%
EBIT growth 3Y-5.31%
EBIT growth 5Y20.75%
EBIT Next Year83.57%
EBIT Next 3Y19.62%
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%