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

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 60.53% 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.

-32.99%

3.72

69.01%

S&P 500

25.41%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-3.01%

EBIT Growth (5y)

43.68%

EBIT to Interest (avg)

3.48

Debt to EBITDA (avg)

2.31

Net Debt to Equity (avg)

9.48

Sales to Capital Employed (avg)

1.51

Tax Ratio

5.49%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

94.80%

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

11.41

EV to EBIT

4.31

EV to EBITDA

4.21

EV to Capital Employed

3.06

EV to Sales

1.52

PEG Ratio

0.14

Dividend Yield

ROCE (Latest)

70.96%

ROE (Latest)

250.06%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

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

24What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 411.43 MM

NET PROFIT(Q)

At USD 28.4 MM has Grown at 331.49%

ROCE(HY)

Highest at 134.62%

RAW MATERIAL COST(Y)

Fallen by 0.18% (YoY

CASH AND EQV(HY)

Highest at USD 193.18 MM

DEBT-EQUITY RATIO (HY)

Lowest at 265.56 %

DEBTORS TURNOVER RATIO(HY)

Highest at 1.26 times

PRE-TAX PROFIT(Q)

At USD 58.01 MM has Grown at 48.62%

0What is not working for the Company

NO KEY NEGATIVE TRIGGERS

Here's what is working for OppFi, Inc.

Net Profit

At USD 28.4 MM has Grown at 331.49%

over average net sales of the previous four periods of USD 6.58 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Operating Cash Flow

Highest at USD 411.43 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)

Pre-Tax Profit

At USD 58.01 MM has Grown at 48.62%

over average net sales of the previous four periods of USD 39.03 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Cash and Eqv

Highest at USD 193.18 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Debt-Equity Ratio

Lowest at 265.56 %

in the last five Semi-Annual periods

MOJO Watch

The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Debtors Turnover Ratio

Highest at 1.26 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 0.18% (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