OPPFI INC (OPFI) Stock Fundamental Analysis

NYSE:OPFI • US68386H1032

9.12 USD
+0.06 (+0.66%)
At close: Mar 3, 2026
9.12 USD
0 (0%)
After Hours: 3/3/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

OPFI gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. OPFI has an average financial health and profitability rating. An interesting combination arises when we look at growth and value: OPFI is growing strongly while it also seems undervalued. This makes OPFI very considerable for value and growth investing!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year OPFI was profitable.
  • OPFI had a positive operating cash flow in the past year.
  • OPFI had positive earnings in 4 of the past 5 years.
  • 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 0 100M 200M 300M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.54%, OPFI is doing worse than 74.07% of the companies in the same industry.
  • With a Return On Equity value of 7.84%, OPFI is not doing good in the industry: 70.37% 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 12.27%.
  • 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

  • The Profit Margin of OPFI (0.68%) is worse than 81.48% of its industry peers.
  • OPFI's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 34.91%, OPFI belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
  • In the last couple of years the Operating Margin of OPFI has grown nicely.
  • OPFI has a Gross Margin of 98.87%. This is amongst the best in the industry. OPFI outperforms 94.44% 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

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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 2.32 indicates that OPFI is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.32, OPFI is in the better half of the industry, outperforming 79.63% of the companies in the same industry.
  • 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 90.74% 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.
  • OPFI's Debt to Equity ratio of 6.49 is on the low side compared to the rest of the industry. OPFI is outperformed by 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 2.32
ROIC/WACC2.56
WACC9.16%
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

  • A Current Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
  • OPFI has a Current ratio of 1.00. This is comparable to the rest of the industry: OPFI outperforms 46.30% of its industry peers.
  • A Quick Ratio of 1.00 indicates that OPFI may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.00, OPFI is in line with its industry, outperforming 46.30% of the companies in the same 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.
  • OPFI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.73% yearly.
  • OPFI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.63%.
  • The Revenue has been growing by 18.08% on average over the past years. This is quite good.
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 28.15% 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 12.56% on average per year.
EPS Next Y68.93%
EPS Next 2Y35.89%
EPS Next 3Y28.15%
EPS Next 5YN/A
Revenue Next Year14.08%
Revenue Next 2Y12.52%
Revenue Next 3Y12.56%
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.
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 6.00.
  • Based on the Price/Earnings ratio, OPFI is valued a bit cheaper than 72.22% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.83, OPFI is valued rather cheaply.
  • The Price/Forward Earnings ratio is 5.20, which indicates a rather cheap valuation of OPFI.
  • Based on the Price/Forward Earnings ratio, OPFI is valued cheaply inside the industry as 85.19% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 24.95. OPFI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6
Fwd PE 5.2
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

  • OPFI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 77.78% of the companies in the same industry.
  • OPFI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OPFI is cheaper than 75.93% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.19
EV/EBITDA 4.97
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.
  • The decent profitability rating of OPFI may justify a higher PE ratio.
  • OPFI's earnings are expected to grow with 28.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.09
PEG (5Y)1.61
EPS Next 2Y35.89%
EPS Next 3Y28.15%

More info and screens

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

2

5. Dividend

5.1 Amount

  • OPFI has a Yearly Dividend Yield of 2.72%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.83, 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 1.82.
Industry RankSector Rank
Dividend Yield 2.72%

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

  • 165.57% of the earnings are spent on dividend by OPFI. This is not a sustainable payout ratio.
DP165.57%
EPS Next 2Y35.89%
EPS Next 3Y28.15%
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

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Find the best dividend stocksShow peers with best dividend

OPPFI INC

NYSE:OPFI (3/3/2026, 8:04:00 PM)

After market: 9.12 0 (0%)

9.12

+0.06 (+0.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-29
Earnings (Next)03-11
Inst Owners74.4%
Inst Owner Change7.34%
Ins Owners5.47%
Ins Owner Change-25.96%
Market Cap787.60M
Revenue(TTM)573.52M
Net Income(TTM)3.87M
Analysts80
Price Target15.47 (69.63%)
Short Float %14.51%
Short Ratio7.53
Dividend
Industry RankSector Rank
Dividend Yield 2.72%
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)4.6%
PT rev (3m)4.6%
EPS NQ rev (1m)-0.29%
EPS NQ rev (3m)-1.45%
EPS NY rev (1m)0%
EPS NY rev (3m)5.06%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)0.21%
Valuation
Industry RankSector Rank
PE 6
Fwd PE 5.2
P/S 1.37
P/FCF 2.19
P/OCF 2.08
P/B 15.94
P/tB 15.94
EV/EBITDA 4.97
EPS(TTM)1.52
EY16.67%
EPS(NY)1.75
Fwd EY19.24%
FCF(TTM)4.17
FCFY45.76%
OCF(TTM)4.39
OCFY48.12%
SpS6.64
BVpS0.57
TBVpS0.57
PEG (NY)0.09
PEG (5Y)1.61
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 2.32
F-Score6
WACC9.16%
ROIC/WACC2.56
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 3Y28.15%
EPS Next 5YN/A
Revenue 1Y (TTM)9.63%
Revenue growth 3Y14.48%
Revenue growth 5Y18.08%
Sales Q2Q%13.54%
Revenue Next Year14.08%
Revenue Next 2Y12.52%
Revenue Next 3Y12.56%
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 6 and the Price/Book (PB) ratio is 15.94.


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%.