OPFI
OppFi·NYSE
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5.50 / 10
Netural
Fundamentally, OPFI shows average strength with a score of 5.5/10. Key positives include a robust 58.3% year-over-year profit growth and a healthy 22.8% revenue growth, which offset a negative Asset-MV reading. The Total profit / EBIT ratio of 100% and a net profit margin of 36.5% further highlight efficient earnings conversion, yet the low Total assets turnover ratio (0.434) warns of under-utilized resources. Overall, the company is improving but not yet outperforming its peers.
Analysis Checks(5/10)
Gross profit margin (%)
Value100.00
Score1/3
Weight2.23%
1M Return0.93%
Value100.00
Score1/3
Weight2.23%
1M Return0.93%
Total profit (YoY growth rate %)
Value58.31
Score3/3
Weight26.39%
1M Return9.32%
Value58.31
Score3/3
Weight26.39%
1M Return9.32%
Total profit / EBIT (%)
Value100.00
Score2/3
Weight7.83%
1M Return3.12%
Value100.00
Score2/3
Weight7.83%
1M Return3.12%
Total assets turnover ratio
Value0.43
Score1/3
Weight8.24%
1M Return3.38%
Value0.43
Score1/3
Weight8.24%
1M Return3.38%
Asset-MV
Value-0.50
Score0/3
Weight-7.14%
1M Return-3.69%
Value-0.50
Score0/3
Weight-7.14%
1M Return-3.69%
Profit-MV
Value1.56
Score3/3
Weight28.01%
1M Return9.34%
Value1.56
Score3/3
Weight28.01%
1M Return9.34%
Net profit margin (%)
Value36.47
Score1/3
Weight5.57%
1M Return2.35%
Value36.47
Score1/3
Weight5.57%
1M Return2.35%
Operating revenue (YoY growth rate %)
Value22.83
Score2/3
Weight19.68%
1M Return7.92%
Value22.83
Score2/3
Weight19.68%
1M Return7.92%
EBIT / Total operating revenue (%)
Value-3056.43
Score2/3
Weight6.60%
1M Return2.61%
Value-3056.43
Score2/3
Weight6.60%
1M Return2.61%
Cash-MV
Value1.18
Score1/3
Weight2.58%
1M Return1.33%
Value1.18
Score1/3
Weight2.58%
1M Return1.33%
Gross profit margin (%)
Value100.00
Score1/3
Weight2.23%
1M Return0.93%
Value100.00
Score1/3
Weight2.23%
1M Return0.93%
Profit-MV
Value1.56
Score3/3
Weight28.01%
1M Return9.34%
Value1.56
Score3/3
Weight28.01%
1M Return9.34%
Total profit (YoY growth rate %)
Value58.31
Score3/3
Weight26.39%
1M Return9.32%
Value58.31
Score3/3
Weight26.39%
1M Return9.32%
Net profit margin (%)
Value36.47
Score1/3
Weight5.57%
1M Return2.35%
Value36.47
Score1/3
Weight5.57%
1M Return2.35%
Total profit / EBIT (%)
Value100.00
Score2/3
Weight7.83%
1M Return3.12%
Value100.00
Score2/3
Weight7.83%
1M Return3.12%
Operating revenue (YoY growth rate %)
Value22.83
Score2/3
Weight19.68%
1M Return7.92%
Value22.83
Score2/3
Weight19.68%
1M Return7.92%
Total assets turnover ratio
Value0.43
Score1/3
Weight8.24%
1M Return3.38%
Value0.43
Score1/3
Weight8.24%
1M Return3.38%
EBIT / Total operating revenue (%)
Value-3056.43
Score2/3
Weight6.60%
1M Return2.61%
Value-3056.43
Score2/3
Weight6.60%
1M Return2.61%
Asset-MV
Value-0.50
Score0/3
Weight-7.14%
1M Return-3.69%
Value-0.50
Score0/3
Weight-7.14%
1M Return-3.69%
Cash-MV
Value1.18
Score1/3
Weight2.58%
1M Return1.33%
Value1.18
Score1/3
Weight2.58%
1M Return1.33%
Is OPFI fundamentally strong?
- OPFI scores 5.50/10 on fundamentals and holds a Fair valuation at present. Backed by its 3.71% ROE, 32.35% net margin, 202.20 P/E ratio, 2.83 P/B ratio, and -76.67% earnings growth, these metrics solidify its Netural investment rating.
