OPPFI INC (OPFI) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:OPFI • US68386H1032

9.07 USD
+0.28 (+3.19%)
At close: Feb 6, 2026
8.99 USD
-0.08 (-0.88%)
After Hours: 2/6/2026, 8:04:00 PM
Fundamental Rating

6

Overall OPFI gets a fundamental rating of 6 out of 10. We evaluated OPFI against 54 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 This makes OPFI very considerable for value and growth investing!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • OPFI had positive earnings in the past year.
  • 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.
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 0 100M 200M 300M

1.2 Ratios

  • With a Return On Assets value of 0.54%, OPFI is not doing good in the industry: 68.52% of the companies in the same industry are doing better.
  • With a Return On Equity value of 7.84%, OPFI is not doing good in the industry: 64.81% of the companies in the same industry are doing better.
  • OPFI has a Return On Invested Capital of 23.43%. This is amongst the best in the industry. OPFI outperforms 90.74% 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 12.42%.
  • 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 RankSector 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%
OPFI Yearly ROA, ROE, ROICOPFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 -500 -1K

1.3 Margins

  • OPFI's Profit Margin of 0.68% is on the low side compared to the rest of the industry. OPFI is outperformed by 75.93% of its industry peers.
  • OPFI's Profit Margin has declined in the last couple of years.
  • OPFI has a better Operating Margin (34.91%) than 87.04% of its industry peers.
  • OPFI's Operating Margin has improved in the last couple of years.
  • The Gross Margin of OPFI (98.87%) is better than 96.30% 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 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%
OPFI Yearly Profit, Operating, Gross MarginsOPFI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

6

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.
  • Compared to 5 years ago, OPFI has less shares outstanding
  • OPFI has a better debt/assets ratio than last year.
OPFI Yearly Shares OutstandingOPFI Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 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 200M 400M 600M

2.2 Solvency

  • An Altman-Z score of 2.29 indicates that OPFI is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • OPFI has a Altman-Z score of 2.29. This is in the better half of the industry: OPFI outperforms 79.63% 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 better Debt to FCF ratio (0.89) than 92.59% of its industry peers.
  • OPFI has a Debt/Equity ratio of 6.49. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of OPFI (6.49) is worse than 70.37% 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 RankSector Rank
Debt/Equity 6.49
Debt/FCF 0.89
Altman-Z 2.29
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 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.
  • OPFI's Current ratio of 1.00 is in line compared to the rest of the industry. OPFI outperforms 46.30% of 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.
  • The Quick ratio of OPFI (1.00) is comparable to the rest of the industry.
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 0 20M -20M 40M 60M

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

7

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 85.37% over the past year.
  • The Earnings Per Share has been growing slightly by 3.73% on average over the past years.
  • The Revenue has grown by 9.63% in the past year. This is quite good.
  • 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

  • OPFI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.38% yearly.
  • 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 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

  • 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

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • OPFI is valuated cheaply with a Price/Earnings ratio of 5.97.
  • Based on the Price/Earnings ratio, OPFI is valued a bit cheaper than 74.07% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of OPFI to the average of the S&P500 Index (27.92), we can say OPFI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 5.17, the valuation of OPFI can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, OPFI is valued cheaper than 87.04% of the companies in the same industry.
  • OPFI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.78.
Industry RankSector Rank
PE 5.97
Fwd PE 5.17
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of OPFI indicates a somewhat cheap valuation: OPFI is cheaper than 79.63% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, OPFI is valued a bit cheaper than 79.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.17
EV/EBITDA 4.86
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.
  • A more expensive valuation may be justified as OPFI's earnings are expected to grow with 26.38% in the coming years.
PEG (NY)0.09
PEG (5Y)1.6
EPS Next 2Y35.89%
EPS Next 3Y26.38%

More info and screens

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

2

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.63%, OPFI has a reasonable but not impressive dividend return.
  • OPFI's Dividend Yield is a higher than the industry average which is at 2.67.
  • OPFI's Dividend Yield is a higher than the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 2.63%

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
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 2Y35.89%
EPS Next 3Y26.38%
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 0 100M 200M 300M
OPFI Dividend Payout.OPFI Dividend Payout, showing the Payout Ratio.OPFI Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

OPPFI INC

NYSE:OPFI (2/6/2026, 8:04:00 PM)

After market: 8.99 -0.08 (-0.88%)

9.07

+0.28 (+3.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-29
Earnings (Next)03-03
Inst Owners74.4%
Inst Owner Change0.27%
Ins Owners5.47%
Ins Owner Change-26.16%
Market Cap783.29M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target14.79 (63.07%)
Short Float %16.88%
Short Ratio8.26
Dividend
Industry RankSector Rank
Dividend Yield 2.63%
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)2.35%
EPS NQ rev (1m)-1.17%
EPS NQ rev (3m)3.97%
EPS NY rev (1m)0%
EPS NY rev (3m)10.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.99%
Valuation
Industry RankSector Rank
PE 5.97
Fwd PE 5.17
P/S 1.37
P/FCF 2.17
P/OCF 2.07
P/B 15.85
P/tB 15.85
EV/EBITDA 4.86
EPS(TTM)1.52
EY16.76%
EPS(NY)1.75
Fwd EY19.34%
FCF(TTM)4.17
FCFY46.01%
OCF(TTM)4.39
OCFY48.38%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.09
PEG (5Y)1.6
Graham Number4.42
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)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 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 2.29
F-Score6
WACC9.35%
ROIC/WACC2.51
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 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 6 / 10.


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

The Price/Earnings (PE) ratio for OPPFI INC (OPFI) is 5.97 and the Price/Book (PB) ratio is 15.85.


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

The dividend rating of OPPFI INC (OPFI) is 2 / 10 and the dividend payout ratio is 165.57%.