OPPFI INC (OPFI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OPFI - US68386H1032 - Common Stock
10.74 USD
+0.04 (+0.37%)
10.68 USD
-0.06 (-0.56%)
We assign a fundamental rating of 6 out of 10 to OPFI. OPFI was compared to 55 industry peers in the Consumer Finance industry. Both the profitability and the financial health of OPFI get a neutral evaluation. Nothing too spectacular is happening here. OPFI is growing strongly while it also seems undervalued. This is an interesting combination With these ratings, OPFI could be worth investigating further 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.
Each year in the past 5 years OPFI had a positive operating cash flow.
1.2 Ratios
The Return On Assets of OPFI (0.54%) is worse than 67.27% of its industry peers.
The Return On Equity of OPFI (7.84%) is worse than 60.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 23.43%, OPFI belongs to the top of the industry, outperforming 90.91% of the companies in the same industry.
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 12.59%.
The last Return On Invested Capital (23.43%) for OPFI is above the 3 year average (12.63%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.54% | ||
| ROE | 7.84% | ||
| ROIC | 23.43% |
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 has a Profit Margin of 0.68%. This is in the lower half of the industry: OPFI underperforms 74.55% of its industry peers.
In the last couple of years the Profit Margin of OPFI has declined.
With an excellent Operating Margin value of 34.91%, OPFI belongs to the best 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.
The Gross Margin of OPFI (98.87%) is better than 96.36% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 34.91% | ||
| PM (TTM) | 0.68% | ||
| GM | 98.87% |
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.
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
OPFI has an Altman-Z score of 2.44. 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.
OPFI's Altman-Z score of 2.44 is amongst the best of the industry. OPFI outperforms 81.82% of its industry peers.
OPFI has a debt to FCF ratio of 0.89. This is a very positive value and a sign of high solvency as it would only need 0.89 years to pay back of all of its debts.
OPFI has a Debt to FCF ratio of 0.89. This is amongst the best in the industry. OPFI outperforms 90.91% 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 74.55% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.49 | ||
| Debt/FCF | 0.89 | ||
| Altman-Z | 2.44 |
ROIC/WACC2.15
WACC10.92%
2.3 Liquidity
A Current Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
OPFI has a Current ratio (1.00) which is in line with its industry peers.
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.
With a Quick ratio value of 1.00, OPFI perfoms like the industry average, outperforming 45.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
3. Growth
3.1 Past
OPFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 85.37%, which is quite impressive.
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 quite strong growth in Revenue. The Revenue has grown by 9.63% 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)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
The Earnings Per Share is expected to grow by 26.38% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 11.81% on average over the next years. This is quite good.
EPS Next Y68.93%
EPS Next 2Y35.89%
EPS Next 3Y26.38%
EPS Next 5YN/A
Revenue Next Year14.14%
Revenue Next 2Y12.49%
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.
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
With a Price/Earnings ratio of 7.07, the valuation of OPFI can be described as very cheap.
OPFI's Price/Earnings ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 70.91% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.38. OPFI is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 6.12, which indicates a rather cheap valuation of OPFI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OPFI indicates a rather cheap valuation: OPFI is cheaper than 85.45% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.83, OPFI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.07 | ||
| Fwd PE | 6.12 |
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.
Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than 76.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.57 | ||
| EV/EBITDA | 5.66 |
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.
The decent profitability rating of OPFI 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)0.1
PEG (5Y)1.89
EPS Next 2Y35.89%
EPS Next 3Y26.38%
5. Dividend
5.1 Amount
OPFI has a Yearly Dividend Yield of 2.33%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.44, OPFI pays a bit more dividend than its industry peers.
OPFI's Dividend Yield is a higher than the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
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 pays out 165.57% of its income as dividend. This is not a sustainable payout ratio.
DP165.57%
EPS Next 2Y35.89%
EPS Next 3Y26.38%
10.74
+0.04 (+0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners73.9%
Inst Owner Change31.28%
Ins Owners6.17%
Ins Owner Change-5.87%
Market Cap927.51M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target14.79 (37.71%)
Short Float %16.68%
Short Ratio6.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP165.57%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)2.35%
PT rev (3m)2.35%
EPS NQ rev (1m)5.2%
EPS NQ rev (3m)5.2%
EPS NY rev (1m)5.06%
EPS NY rev (3m)10.6%
Revenue NQ rev (1m)0.53%
Revenue NQ rev (3m)2.52%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.07 | ||
| Fwd PE | 6.12 | ||
| P/S | 1.62 | ||
| P/FCF | 2.57 | ||
| P/OCF | 2.45 | ||
| P/B | 18.77 | ||
| P/tB | 18.77 | ||
| EV/EBITDA | 5.66 |
EPS(TTM)1.52
EY14.15%
EPS(NY)1.75
Fwd EY16.34%
FCF(TTM)4.17
FCFY38.85%
OCF(TTM)4.39
OCFY40.86%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.1
PEG (5Y)1.89
Graham Number4.42
Profitability
| Industry Rank | Sector 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)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 Turnover0.8
Health
| Industry Rank | Sector 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 | 2.44 |
F-Score6
WACC10.92%
ROIC/WACC2.15
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 Y68.93%
EPS Next 2Y35.89%
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 Year14.14%
Revenue Next 2Y12.49%
Revenue Next 3Y11.81%
Revenue Next 5YN/A
EBIT growth 1Y57.3%
EBIT growth 3Y-5.31%
EBIT growth 5Y20.75%
EBIT Next Year116.34%
EBIT Next 3Y30.7%
EBIT Next 5YN/A
FCF growth 1Y31.23%
FCF growth 3Y26.67%
FCF growth 5Y16.91%
OCF growth 1Y33.17%
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 6 / 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 6 / 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 68.93% in the next year.