OppFi, Inc. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

OppFi, Inc.

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Why is OppFi, Inc. ?

High Management Efficiency with a high ROCE of 43.52%

Healthy long term growth as Operating profit has grown by an annual rate 64.98%

With a growth in Net Profit of 82.73%, the company declared Very Positive results in Jun 25

OPERATING CASH FLOW(Y) Highest at USD 348.22 MM
RAW MATERIAL COST(Y) Fallen by -1.2% (YoY)
DEBTORS TURNOVER RATIO(HY) Highest at 1.2 times

Consistent Returns over the last 3 years

Along with generating 33.12% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to OppFi, Inc. should be less than 10%
Overall Portfolio exposure to Computers - Software & Consulting should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Computers - Software & Consulting)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is OppFi, Inc. for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

OppFi, Inc.

33.12%

3.38

69.19%

S&P 500

13.22%

0.65

20.20%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-14.44%

EBIT Growth (5y)

64.98%

EBIT to Interest (avg)

3.48

Debt to EBITDA (avg)

2.31

Net Debt to Equity (avg)

9.48

Sales to Capital Employed (avg)

1.48

Tax Ratio

5.49%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

68.48%

ROCE (avg)

43.52%

ROE (avg)

481.10%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

55.68

EV to EBIT

9.15

EV to EBITDA

8.68

EV to Capital Employed

6.22

EV to Sales

2.73

PEG Ratio

0.18

Dividend Yield

ROCE (Latest)

67.96%

ROE (Latest)

417.43%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 348.22 MM

RAW MATERIAL COST(Y)

Fallen by -1.2% (YoY

DEBTORS TURNOVER RATIO(HY)

Highest at 1.2 times

NET SALES(Q)

Highest at USD 142.44 MM

-23What is not working for the Company

ROCE(HY)

Lowest at -209.49%

INTEREST COVERAGE RATIO(Q)

Lowest at 284.65

OPERATING PROFIT(Q)

Lowest at USD 27.44 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 19.26 %

PRE-TAX PROFIT(Q)

Lowest at USD 12.7 MM

NET PROFIT(Q)

Lowest at USD -20.78 MM

EPS(Q)

Lowest at USD -0.78

Here's what is working for OppFi, Inc.

Operating Cash Flow

Highest at USD 348.22 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 142.44 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Debtors Turnover Ratio

Highest at 1.2 times

in the last five Semi-Annual periods

MOJO Watch

Company has been able to sell its Debtors faster

Debtors Turnover Ratio

Raw Material Cost

Fallen by -1.2% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for OppFi, Inc.

Pre-Tax Profit

At USD 12.7 MM has Fallen at -48.98%

over average net sales of the previous four periods of USD 24.9 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD -20.78 MM has Fallen at -764.44%

over average net sales of the previous four periods of USD -2.4 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Interest Coverage Ratio

Lowest at 284.65

in the last five periods

MOJO Watch

The company's ability to manage interest payments is deteriorating

Operating Profit to Interest

Operating Profit

Lowest at USD 27.44 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 19.26 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 12.7 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD -20.78 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD -0.78

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)