NYSE: OPFI - OppFi Inc.

Yield per half year: +80.21%
Sector: Technology

Company Analysis OppFi Inc.

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1. Summary

Advantages

  • The stock's return over the last year (132.74%) is higher than the sector average (-22.72%).

Disadvantages

  • Price (5.19 $) is higher than fair price (0.3178 $)
  • Dividends (0%) are below the sector average (0.9394%).
  • Current debt level 55.78% has increased over 5 years from 0%.
  • The company's current efficiency (ROE=-9.63%) is lower than the sector average (ROE=44.16%)

Similar companies

Oracle

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NOKIA

Arista Networks

2. Share price and performance

2.1. Share price

2.2. News

No news yet

2.3. Market efficiency

OppFi Inc. Technology Index
7 days 4.6% 5.2% 1.5%
90 days 28.5% -36.5% 10.6%
1 year 132.7% -22.7% 33.9%

OPFI vs Sector: OppFi Inc. has outperformed the "Technology" sector by 155.45% over the past year.

OPFI vs Market: OppFi Inc. has outperformed the market by 98.84% over the past year.

Stable price: OPFI is not significantly more volatile than the rest of the market on "New York Stock Exchange" over the last 3 months, with typical variations of +/- 5% per week.

Long period: OPFI with weekly volatility of 2.55% over the past year.

3. Summary of the report

3.1. General

P/E: 51.46
P/S: 0.2982

3.2. Revenue

EPS -0.0613
ROE -9.63%
ROA -0.1671%
ROIC 18.39%
Ebitda margin 37.65%

4. Fundamental Analysis

4.1. Stock price and price forecast

The fair price is calculated taking into account the Central Bank refinancing rate and earnings per share (EPS)

Above fair price: The current price (5.19 $) is higher than the fair price (0.3178 $).

Price is higher than fair: The current price (5.19 $) is 93.9% higher than the fair price.

4.2. P/E

P/E vs Sector: The company's P/E (51.46) is lower than that of the sector as a whole (100.6).

P/E vs Market: The company's P/E (51.46) is higher than that of the market as a whole (47.41).

4.2.1 P/E Similar companies

4.3. P/BV

P/BV vs Sector: The company's P/BV (0.4199) is lower than that of the sector as a whole (12.19).

P/BV vs Market: The company's P/BV (0.4199) is lower than that of the market as a whole (22.54).

4.3.1 P/BV Similar companies

4.4. P/S

P/S vs Sector: The company's P/S indicator (0.2982) is lower than that of the sector as a whole (7).

P/S vs Market: The company's P/S indicator (0.2982) is lower than that of the market as a whole (15.1).

4.4.1 P/S Similar companies

4.5. EV/Ebitda

EV/Ebitda vs Sector: The company's EV/Ebitda (3.47) is lower than that of the sector as a whole (89.15).

EV/Ebitda vs Market: The company's EV/Ebitda (3.47) is lower than that of the market as a whole (22.02).

5. Profitability

5.1. Profitability and revenue

5.2. Earnings per share - EPS

5.3. Past profitability Net Income

Yield Trend: Negative and has fallen by -20.61% over the last 5 years.

Accelerating profitability: The return for the last year (-0.0001%) exceeds the average return for 5 years (-20.61%).

Profitability vs Sector: The return for the last year (-0.0001%) exceeds the return for the sector (-19.22%).

5.4. ROE

ROE vs Sector: The company's ROE (-9.63%) is lower than that of the sector as a whole (44.16%).

ROE vs Market: The company's ROE (-9.63%) is lower than that of the market as a whole (16.9%).

5.5. ROA

ROA vs Sector: The company's ROA (-0.1671%) is lower than that of the sector as a whole (3.94%).

ROA vs Market: The company's ROA (-0.1671%) is lower than that of the market as a whole (6.57%).

5.6. ROIC

ROIC vs Sector: The company's ROIC (18.39%) is higher than that of the sector as a whole (1.18%).

ROIC vs Market: The company's ROIC (18.39%) is higher than that of the market as a whole (9.31%).

6. Finance

6.1. Assets and debt

Debt level: (55.78%) is quite low in relation to assets.

Increasing debt: over 5 years, the debt has increased from 0% to 55.78%.

Excess of debt: The debt is not covered by net income, percentage -33389.59%.

6.2. Profit growth and share price

7. Dividends

7.1. Dividend yield vs Market

Low yield: The dividend yield of the company 0% is below the average for the sector '0.9394%.

7.2. Stability and increase in payments

Dividend stability: The company's dividend yield 0% has been steadily paid over the past 7 years, DSI=1.

Weak dividend growth: The company's dividend yield 0% has been growing weakly or stagnant over the past 5 years. Growth over only 1 year.

7.3. Payout percentage

Dividend Coverage: Current payments from income (132.96%) are at an uncomfortable level.

8. Insider trades

8.1. Insider trading

Insider Buying Exceeds insider sales by 100% over the last 3 months.

8.2. Latest transactions

Transaction date Insider Type Price Volume Quantity
02.06.2023 SCHWARTZ THEODORE G
Director
Purchase 2.1 6 726 3 203
02.06.2023 Schwartz Todd G.
Chief Executive Officer
Purchase 2.1 6 726 3 203
01.06.2023 SCHWARTZ THEODORE G
Director
Purchase 2.1 7 543 3 592
22.05.2023 Schwartz Todd G.
Chief Executive Officer
Purchase 2.18 8 035 3 686
19.05.2023 Schwartz Todd G.
Chief Executive Officer
Purchase 2.21 5 456 2 469

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9. Stocks forum OppFi Inc.

9.3. Comments