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OPFI Quote, Financials, Valuation and Earnings

Last price:
$8.28
Seasonality move :
8.86%
Day range:
$7.59 - $8.36
52-week range:
$2.39 - $17.73
Dividend yield:
0%
P/E ratio:
39.38x
P/S ratio:
0.58x
P/B ratio:
6.11x
Volume:
1.8M
Avg. volume:
1.5M
1-year change:
243.15%
Market cap:
$200.4M
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
$137.7M $0.25 8.14% 153.33% $13.00
EZPW
EZCORP
$310.3M $0.31 7.06% 6% $17.75
FCFS
FirstCash Holdings
$835.6M $1.74 -0.57% 53.09% $137.80
OMCC
Old Market Capital
-- -- -- -- --
OPRT
Oportun Financial
$228.4M $0.08 188.95% -56.1% $8.80
SLM
SLM
$359.8M $1.15 -28.49% -48.15% $33.33
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
OPFI
OppFi
$8.27 $13.00 $200.4M 39.38x $0.12 0% 0.58x
EZPW
EZCORP
$15.22 $17.75 $836.2M 13.23x $0.00 0% 1.08x
FCFS
FirstCash Holdings
$123.28 $137.80 $5.5B 21.51x $0.38 1.21% 1.64x
OMCC
Old Market Capital
$6.37 -- $42.4M -- $0.00 0% 10.46x
OPRT
Oportun Financial
$4.38 $8.80 $158.3M -- $0.00 0% 0.60x
SLM
SLM
$25.53 $33.33 $5.4B 9.63x $0.13 1.88% 3.02x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
OPFI
OppFi
90.68% 4.663 86.1% 8.98x
EZPW
EZCORP
28.46% 0.029 48.74% 2.07x
FCFS
FirstCash Holdings
45.71% 0.510 37.3% 2.69x
OMCC
Old Market Capital
1.54% 0.374 1.97% 10.83x
OPRT
Oportun Financial
88.8% 0.942 2001.4% 1.96x
SLM
SLM
74.89% 1.018 106.39% --
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
OMCC
Old Market Capital
-- -- -7.12% -7.14% -12.58% -$2.9M
OPRT
Oportun Financial
-- -- -2.46% -21.59% 83.11% $85.4M
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 57.2%. On the other hand EZCORP has an analysts' consensus of $17.75 which suggests that it could grow by 16.62%. 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 0.805, suggesting its less volatile than the S&P 500 by 19.485%.

  • 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 39.38x while EZCORP's PE ratio is 13.23x. 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 0.58x versus 1.08x 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
    0.58x 39.38x $135.7M -$5.6M
    EZPW
    EZCORP
    1.08x 13.23x $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 57.2%. On the other hand FirstCash Holdings has an analysts' consensus of $137.80 which suggests that it could grow by 11.78%. 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 0.582, suggesting its less volatile than the S&P 500 by 41.819%.

  • 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 1.21% 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 39.38x while FirstCash Holdings's PE ratio is 21.51x. 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 0.58x versus 1.64x 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
    0.58x 39.38x $135.7M -$5.6M
    FCFS
    FirstCash Holdings
    1.64x 21.51x $883.8M $83.5M
  • 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 57.2%. 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 0.797, suggesting its less volatile than the S&P 500 by 20.317%.

  • 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 39.38x 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 0.58x versus 10.46x 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
    0.58x 39.38x $135.7M -$5.6M
    OMCC
    Old Market Capital
    10.46x -- $3.2M -$124K
  • Which has Higher Returns OPFI or OPRT?

    Oportun Financial has a net margin of -4.13% compared to OppFi's net margin of 9.36%. OppFi's return on equity of 3.46% beat Oportun Financial's return on equity of -21.59%.

    Company Gross Margin Earnings Per Share Invested Capital
    OPFI
    OppFi
    81.23% -$0.26 $553M
    OPRT
    Oportun Financial
    -- $0.20 $3.2B
  • What do Analysts Say About OPFI or OPRT?

    OppFi has a consensus price target of $13.00, signalling upside risk potential of 57.2%. On the other hand Oportun Financial has an analysts' consensus of $8.80 which suggests that it could grow by 100.91%. Given that Oportun Financial has higher upside potential than OppFi, analysts believe Oportun Financial is more attractive than OppFi.

    Company Buy Ratings Hold Ratings Sell Ratings
    OPFI
    OppFi
    1 1 0
    OPRT
    Oportun Financial
    2 3 0
  • Is OPFI or OPRT More Risky?

    OppFi has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison Oportun Financial has a beta of 0.858, suggesting its less volatile than the S&P 500 by 14.231%.

  • Which is a Better Dividend Stock OPFI or OPRT?

    OppFi has a quarterly dividend of $0.12 per share corresponding to a yield of 0%. Oportun Financial 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. Oportun Financial pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios OPFI or OPRT?

    OppFi quarterly revenues are $135.7M, which are larger than Oportun Financial quarterly revenues of $93.4M. OppFi's net income of -$5.6M is lower than Oportun Financial's net income of $8.7M. Notably, OppFi's price-to-earnings ratio is 39.38x while Oportun Financial'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 0.58x versus 0.60x for Oportun Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    OPFI
    OppFi
    0.58x 39.38x $135.7M -$5.6M
    OPRT
    Oportun Financial
    0.60x -- $93.4M $8.7M
  • 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 57.2%. On the other hand SLM has an analysts' consensus of $33.33 which suggests that it could grow by 30.59%. 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 1.055, suggesting its more volatile than the S&P 500 by 5.52%.

  • 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 1.88% 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 39.38x while SLM's PE ratio is 9.63x. 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 0.58x versus 3.02x 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
    0.58x 39.38x $135.7M -$5.6M
    SLM
    SLM
    3.02x 9.63x $390M $111.6M

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