Financhill
Buy
78

OPFI Quote, Financials, Valuation and Earnings

Last price:
$9.23
Seasonality move :
10.04%
Day range:
$8.83 - $9.27
52-week range:
$2.35 - $17.73
Dividend yield:
0%
P/E ratio:
44.05x
P/S ratio:
0.65x
P/B ratio:
6.84x
Volume:
980.8K
Avg. volume:
2.3M
1-year change:
267.06%
Market cap:
$224.1M
Revenue:
$526M
EPS (TTM):
$0.21

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
OPFI
OppFi
$140.6M $0.27 8.14% 153.33% $13.00
EZPW
EZCORP
$301.4M $0.28 8.69% 5.75% $17.00
FCFS
FirstCash Holdings
$828.5M $1.69 0.09% 30.25% $137.40
FOA
Finance of America Companies
$82M $0.56 27.92% -91.32% $28.00
OMCC
Old Market Capital
-- -- -- -- --
SLM
SLM
$367.5M $0.58 -35.88% -9.87% $33.25
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
OPFI
OppFi
$9.25 $13.00 $224.1M 44.05x $0.12 0% 0.65x
EZPW
EZCORP
$13.44 $17.00 $738.4M 11.69x $0.00 0% 0.95x
FCFS
FirstCash Holdings
$116.94 $137.40 $5.2B 20.41x $0.38 1.27% 1.56x
FOA
Finance of America Companies
$20.82 $28.00 $206.8M 46.27x $0.00 0% 1.54x
OMCC
Old Market Capital
$6.28 -- $41.8M -- $0.00 0% 10.31x
SLM
SLM
$29.27 $33.25 $6.2B 11.04x $0.13 1.64% 3.47x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
OPFI
OppFi
90.68% 4.321 86.1% 8.98x
EZPW
EZCORP
28.46% 0.451 48.74% 2.07x
FCFS
FirstCash Holdings
45.71% 1.423 37.3% 2.69x
FOA
Finance of America Companies
99.12% 3.137 8445.53% 0.05x
OMCC
Old Market Capital
1.54% 0.031 1.97% 10.83x
SLM
SLM
74.89% 1.099 106.39% --
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
OPFI
OppFi
$110.2M $79.6M 1.38% 3.46% 58.63% $90.1M
EZPW
EZCORP
$185.4M $41.9M 7.46% 10.69% 13.91% $20.4M
FCFS
FirstCash Holdings
$433.7M $137.1M 7.05% 12.85% 15.47% $185.9M
FOA
Finance of America Companies
-- -- 0.06% 4.99% -211.27% -$81.4M
OMCC
Old Market Capital
-- -- -7.12% -7.14% -12.58% -$2.9M
SLM
SLM
-- -- 7.87% 28.77% 110.61% $4.5M

OppFi vs. Competitors

  • Which has Higher Returns OPFI or EZPW?

    EZCORP has a net margin of -4.13% compared to OppFi's net margin of 9.69%. OppFi's return on equity of 3.46% beat EZCORP's return on equity of 10.69%.

    Company Gross Margin Earnings Per Share Invested Capital
    OPFI
    OppFi
    81.23% -$0.26 $553M
    EZPW
    EZCORP
    57.91% $0.40 $1.2B
  • What do Analysts Say About OPFI or EZPW?

    OppFi has a consensus price target of $13.00, signalling upside risk potential of 40.54%. On the other hand EZCORP has an analysts' consensus of $17.00 which suggests that it could grow by 26.49%. Given that OppFi has higher upside potential than EZCORP, analysts believe OppFi is more attractive than EZCORP.

    Company Buy Ratings Hold Ratings Sell Ratings
    OPFI
    OppFi
    1 1 0
    EZPW
    EZCORP
    2 1 0
  • Is OPFI or EZPW More Risky?

    OppFi has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison EZCORP has a beta of 0.893, suggesting its less volatile than the S&P 500 by 10.742%.

  • Which is a Better Dividend Stock OPFI or EZPW?

    OppFi has a quarterly dividend of $0.12 per share corresponding to a yield of 0%. EZCORP offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. OppFi pays 616.77% of its earnings as a dividend. EZCORP pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios OPFI or EZPW?

    OppFi quarterly revenues are $135.7M, which are smaller than EZCORP quarterly revenues of $320.2M. OppFi's net income of -$5.6M is lower than EZCORP's net income of $31M. Notably, OppFi's price-to-earnings ratio is 44.05x while EZCORP's PE ratio is 11.69x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OppFi is 0.65x versus 0.95x for EZCORP. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    OPFI
    OppFi
    0.65x 44.05x $135.7M -$5.6M
    EZPW
    EZCORP
    0.95x 11.69x $320.2M $31M
  • Which has Higher Returns OPFI or FCFS?

    FirstCash Holdings has a net margin of -4.13% compared to OppFi's net margin of 9.45%. OppFi's return on equity of 3.46% beat FirstCash Holdings's return on equity of 12.85%.

    Company Gross Margin Earnings Per Share Invested Capital
    OPFI
    OppFi
    81.23% -$0.26 $553M
    FCFS
    FirstCash Holdings
    49.07% $1.86 $3.8B
  • What do Analysts Say About OPFI or FCFS?

    OppFi has a consensus price target of $13.00, signalling upside risk potential of 40.54%. On the other hand FirstCash Holdings has an analysts' consensus of $137.40 which suggests that it could grow by 17.5%. Given that OppFi has higher upside potential than FirstCash Holdings, analysts believe OppFi is more attractive than FirstCash Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    OPFI
    OppFi
    1 1 0
    FCFS
    FirstCash Holdings
    4 2 0
  • Is OPFI or FCFS More Risky?

    OppFi has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison FirstCash Holdings has a beta of 0.628, suggesting its less volatile than the S&P 500 by 37.208%.

  • Which is a Better Dividend Stock OPFI or FCFS?

    OppFi has a quarterly dividend of $0.12 per share corresponding to a yield of 0%. FirstCash Holdings offers a yield of 1.27% to investors and pays a quarterly dividend of $0.38 per share. OppFi pays 616.77% of its earnings as a dividend. FirstCash Holdings pays out 25.41% of its earnings as a dividend. FirstCash Holdings's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but OppFi's is not.

  • Which has Better Financial Ratios OPFI or FCFS?

    OppFi quarterly revenues are $135.7M, which are smaller than FirstCash Holdings quarterly revenues of $883.8M. OppFi's net income of -$5.6M is lower than FirstCash Holdings's net income of $83.5M. Notably, OppFi's price-to-earnings ratio is 44.05x while FirstCash Holdings's PE ratio is 20.41x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OppFi is 0.65x versus 1.56x for FirstCash Holdings. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    OPFI
    OppFi
    0.65x 44.05x $135.7M -$5.6M
    FCFS
    FirstCash Holdings
    1.56x 20.41x $883.8M $83.5M
  • Which has Higher Returns OPFI or FOA?

    Finance of America Companies has a net margin of -4.13% compared to OppFi's net margin of 46.05%. OppFi's return on equity of 3.46% beat Finance of America Companies's return on equity of 4.99%.

    Company Gross Margin Earnings Per Share Invested Capital
    OPFI
    OppFi
    81.23% -$0.26 $553M
    FOA
    Finance of America Companies
    -- -$5.95 $29B
  • What do Analysts Say About OPFI or FOA?

    OppFi has a consensus price target of $13.00, signalling upside risk potential of 40.54%. On the other hand Finance of America Companies has an analysts' consensus of $28.00 which suggests that it could grow by 34.49%. Given that OppFi has higher upside potential than Finance of America Companies, analysts believe OppFi is more attractive than Finance of America Companies.

    Company Buy Ratings Hold Ratings Sell Ratings
    OPFI
    OppFi
    1 1 0
    FOA
    Finance of America Companies
    0 1 0
  • Is OPFI or FOA More Risky?

    OppFi has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison Finance of America Companies has a beta of 0.000, suggesting its less volatile than the S&P 500 by 100%.

  • Which is a Better Dividend Stock OPFI or FOA?

    OppFi has a quarterly dividend of $0.12 per share corresponding to a yield of 0%. Finance of America Companies offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. OppFi pays 616.77% of its earnings as a dividend. Finance of America Companies pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios OPFI or FOA?

    OppFi quarterly revenues are $135.7M, which are larger than Finance of America Companies quarterly revenues of -$128.3M. OppFi's net income of -$5.6M is higher than Finance of America Companies's net income of -$59.1M. Notably, OppFi's price-to-earnings ratio is 44.05x while Finance of America Companies's PE ratio is 46.27x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OppFi is 0.65x versus 1.54x for Finance of America Companies. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    OPFI
    OppFi
    0.65x 44.05x $135.7M -$5.6M
    FOA
    Finance of America Companies
    1.54x 46.27x -$128.3M -$59.1M
  • Which has Higher Returns OPFI or OMCC?

    Old Market Capital has a net margin of -4.13% compared to OppFi's net margin of -3.85%. OppFi's return on equity of 3.46% beat Old Market Capital's return on equity of -7.14%.

    Company Gross Margin Earnings Per Share Invested Capital
    OPFI
    OppFi
    81.23% -$0.26 $553M
    OMCC
    Old Market Capital
    -- -$0.04 $54.8M
  • What do Analysts Say About OPFI or OMCC?

    OppFi has a consensus price target of $13.00, signalling upside risk potential of 40.54%. On the other hand Old Market Capital has an analysts' consensus of -- which suggests that it could fall by --. Given that OppFi has higher upside potential than Old Market Capital, analysts believe OppFi is more attractive than Old Market Capital.

    Company Buy Ratings Hold Ratings Sell Ratings
    OPFI
    OppFi
    1 1 0
    OMCC
    Old Market Capital
    0 0 0
  • Is OPFI or OMCC More Risky?

    OppFi has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison Old Market Capital has a beta of 0.944, suggesting its less volatile than the S&P 500 by 5.577%.

  • Which is a Better Dividend Stock OPFI or OMCC?

    OppFi has a quarterly dividend of $0.12 per share corresponding to a yield of 0%. Old Market Capital offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. OppFi pays 616.77% of its earnings as a dividend. Old Market Capital pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios OPFI or OMCC?

    OppFi quarterly revenues are $135.7M, which are larger than Old Market Capital quarterly revenues of $3.2M. OppFi's net income of -$5.6M is lower than Old Market Capital's net income of -$124K. Notably, OppFi's price-to-earnings ratio is 44.05x while Old Market Capital's PE ratio is --. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OppFi is 0.65x versus 10.31x for Old Market Capital. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    OPFI
    OppFi
    0.65x 44.05x $135.7M -$5.6M
    OMCC
    Old Market Capital
    10.31x -- $3.2M -$124K
  • Which has Higher Returns OPFI or SLM?

    SLM has a net margin of -4.13% compared to OppFi's net margin of 28.61%. OppFi's return on equity of 3.46% beat SLM's return on equity of 28.77%.

    Company Gross Margin Earnings Per Share Invested Capital
    OPFI
    OppFi
    81.23% -$0.26 $553M
    SLM
    SLM
    -- $0.50 $8.6B
  • What do Analysts Say About OPFI or SLM?

    OppFi has a consensus price target of $13.00, signalling upside risk potential of 40.54%. On the other hand SLM has an analysts' consensus of $33.25 which suggests that it could grow by 13.62%. Given that OppFi has higher upside potential than SLM, analysts believe OppFi is more attractive than SLM.

    Company Buy Ratings Hold Ratings Sell Ratings
    OPFI
    OppFi
    1 1 0
    SLM
    SLM
    7 2 0
  • Is OPFI or SLM More Risky?

    OppFi has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison SLM has a beta of 1.234, suggesting its more volatile than the S&P 500 by 23.357%.

  • Which is a Better Dividend Stock OPFI or SLM?

    OppFi has a quarterly dividend of $0.12 per share corresponding to a yield of 0%. SLM offers a yield of 1.64% to investors and pays a quarterly dividend of $0.13 per share. OppFi pays 616.77% of its earnings as a dividend. SLM pays out 19.31% of its earnings as a dividend. SLM's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but OppFi's is not.

  • Which has Better Financial Ratios OPFI or SLM?

    OppFi quarterly revenues are $135.7M, which are smaller than SLM quarterly revenues of $390M. OppFi's net income of -$5.6M is lower than SLM's net income of $111.6M. Notably, OppFi's price-to-earnings ratio is 44.05x while SLM's PE ratio is 11.04x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OppFi is 0.65x versus 3.47x for SLM. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    OPFI
    OppFi
    0.65x 44.05x $135.7M -$5.6M
    SLM
    SLM
    3.47x 11.04x $390M $111.6M

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