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OPFI

OppFiNYSE:OPFI Stock Report

Market Cap

US$896.2m

7D

7.8%

1Y

n/a

Updated

25 Sep, 2021

Data

Company Financials +
OPFI fundamental analysis
Snowflake Score
Valuation3/6
Future Growth2/6
Past Performance1/6
Financial Health3/6
Dividends0/6

OPFI Overview

OppFi Inc. operates a financial technology platform that allows banks to offer lending products.

OppFi Competitors

Elevate Credit

NYSE:ELVT

US$121.0m

Price History & Performance

Summary of all time highs, changes and price drops for OppFi
Historical stock prices
Current Share PriceUS$8.15
52 Week HighUS$6.01
52 Week LowUS$11.06
Beta0
1 Month Change22.19%
3 Month Changen/a
1 Year Changen/a
3 Year Changen/a
5 Year Changen/a
Change since IPO-22.01%

Recent News & Updates

Shareholder Returns

OPFIUS Consumer FinanceUS Market
7D7.8%4.3%0.1%
1Yn/a95.9%35.3%

Return vs Industry: Insufficient data to determine how OPFI performed against the US Consumer Finance industry.

Return vs Market: Insufficient data to determine how OPFI performed against the US Market.

Price Volatility

Is OPFI's price volatile compared to industry and market?
OPFI volatility
OPFI Beta0
Industry Beta1.5
Market Beta1

Stable Share Price: OPFI is more volatile than 75% of US stocks over the past 3 months, typically moving +/- 13% a week.

Volatility Over Time: Insufficient data to determine OPFI's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
n/a554Jared Kaplanhttps://www.oppfi.com

OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the installment loan products, OppLoans and SalaryTap; and the credit card product, OppFi Card. The company is based in Chicago, Illinois.

OppFi Fundamentals Summary

How do OppFi's earnings and revenue compare to its market cap?
OPFI fundamental statistics
Market CapUS$896.21m
Earnings (TTM)US$77.87m
Revenue (TTM)US$221.90m

11.5x

P/E Ratio

4.0x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
OPFI income statement (TTM)
RevenueUS$221.90m
Cost of RevenueUS$0
Gross ProfitUS$221.90m
ExpensesUS$144.03m
EarningsUS$77.87m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.71
Gross Margin100.00%
Net Profit Margin35.09%
Debt/Equity Ratio130.1%

How did OPFI perform over the long term?

See historical performance and comparison

Valuation

Is OppFi undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: OPFI ($8.15) is trading below our estimate of fair value ($82.23)

Significantly Below Fair Value: OPFI is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: OPFI is poor value based on its PE Ratio (11.5x) compared to the US Consumer Finance industry average (7.9x).

PE vs Market: OPFI is good value based on its PE Ratio (11.5x) compared to the US market (17.9x).


Price to Earnings Growth Ratio

PEG Ratio: OPFI is poor value based on its PEG Ratio (8x)


Price to Book Ratio

PB vs Industry: OPFI is overvalued based on its PB Ratio (5.3x) compared to the US Consumer Finance industry average (1.7x).


Future Growth

How is OppFi forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?

1.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: OPFI's forecast earnings growth (1.4% per year) is below the savings rate (2%).

Earnings vs Market: OPFI's earnings (1.4% per year) are forecast to grow slower than the US market (14.9% per year).

High Growth Earnings: OPFI's earnings are forecast to grow, but not significantly.

Revenue vs Market: OPFI's revenue (39.9% per year) is forecast to grow faster than the US market (9.8% per year).

High Growth Revenue: OPFI's revenue (39.9% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if OPFI's Return on Equity is forecast to be high in 3 years time


Past Performance

How has OppFi performed over the past 5 years?

41.2%

Last years earnings growth


Earnings and Revenue History

Quality Earnings: OPFI has high quality earnings.

Growing Profit Margin: OPFI's current net profit margins (35.1%) are lower than last year (37.4%).


Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if OPFI's year-on-year earnings growth rate was positive over the past 5 years.

Accelerating Growth: Insufficient data to compare OPFI's past year earnings growth to its 5-year average.

Earnings vs Industry: OPFI earnings growth over the past year (41.2%) underperformed the Consumer Finance industry 126.5%.


Return on Equity

High ROE: Whilst OPFI's Return on Equity (43.91%) is outstanding, this metric is skewed due to their high level of debt.


Financial Health

How is OppFi's financial position?


Financial Position Analysis

Short Term Liabilities: OPFI's short term assets ($417.3M) exceed its short term liabilities ($61.6M).

Long Term Liabilities: OPFI's short term assets ($417.3M) exceed its long term liabilities ($198.3M).


Debt to Equity History and Analysis

Debt Level: OPFI's debt to equity ratio (130.1%) is considered high.

Reducing Debt: Insufficient data to determine if OPFI's debt to equity ratio has reduced over the past 5 years.

Debt Coverage: OPFI's debt is well covered by operating cash flow (77.2%).

Interest Coverage: Insufficient data to determine if OPFI's interest payments on its debt are well covered by EBIT.


Balance Sheet


Dividend

What is OppFi current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate OPFI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate OPFI's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if OPFI's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if OPFI's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of OPFI's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.1yrs

Average management tenure


CEO

Jared Kaplan

5.83yrs

Tenure

US$964,455

Compensation

Mr. Jared Kaplan has been Chief Executive Officer at OppFi Inc. since November 2015 and serves as its Director. Prior to joining OppFi, Mr. Kaplan was a co-founder and Executive Vice President of Insureon,...


CEO Compensation Analysis

Compensation vs Market: Jared's total compensation ($USD964.46K) is below average for companies of similar size in the US market ($USD2.33M).

Compensation vs Earnings: Insufficient data to compare Jared's compensation with company performance.


Leadership Team

Experienced Management: OPFI's management team is considered experienced (4.1 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: OPFI only recently listed within the past 12 months.


Top Shareholders

Company Information

OppFi Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: OppFi Inc.
  • Ticker: OPFI
  • Exchange: NYSE
  • Founded: NaN
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Implied Market Cap: US$896.213m
  • Market Cap: US$109.736m
  • Shares outstanding: 109.96m
  • Website: https://www.oppfi.com

Number of Employees


Location

  • OppFi Inc.
  • 130 East Randolph Street
  • Suite 3400
  • Chicago
  • Illinois
  • 60601
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/25 02:25
End of Day Share Price2021/09/24 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.