Is OppFi Stock a Good Investment?
OppFi Investment Advice | OPFI |
- Examine OppFi's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research OppFi's leadership team and their track record. Good management can help OppFi navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Asset Management & Custody Banks space and any emerging trends that could impact OppFi's business and its evolving consumer preferences.
- Compare OppFi's performance and market position to its competitors. Analyze how OppFi is positioned in terms of product offerings, innovation, and market share.
- Check if OppFi pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about OppFi's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in OppFi Inc stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if OppFi Inc is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Solid | Details | |
Volatility | Moderately volatile | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Below Average | Details | |
Economic Sensitivity | Actively responds to the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine OppFi Stock
Researching OppFi's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 44.0% of the company shares are owned by institutional investors. The book value of OppFi was now reported as 1.7. The company last dividend was issued on the 18th of April 2024.
To determine if OppFi is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding OppFi's research are outlined below:
| OppFi Inc appears to be risky and price may revert if volatility continues | |
| The company reported the previous year's revenue of 508.95 M. Net Loss for the year was (1 M) with profit before overhead, payroll, taxes, and interest of 181.8 M. | |
| OppFi Inc has a strong financial position based on the latest SEC filings | |
| Latest headline from zacks.com: Heres What Could Help OppFi Maintain Its Recent Price Strength |
OppFi Quarterly Cost Of Revenue |
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OppFi uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in OppFi Inc. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to OppFi's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 28th of March 2024 Upcoming Quarterly Report | View | |
| 9th of May 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 28th of March 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact OppFi's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises OppFi's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2022-05-05 | 2022-03-31 | 0.02 | 0.01 | -0.01 | 50 | ||
2024-03-07 | 2023-12-31 | 0.08 | 0.1 | 0.02 | 25 | ||
2022-08-09 | 2022-06-30 | 0.06 | 0.08 | 0.02 | 33 | ||
2024-05-08 | 2024-03-31 | 0.05 | 0.1 | 0.05 | 100 | ||
2023-05-11 | 2023-03-31 | -0.01 | 0.05 | 0.06 | 600 | ||
2021-11-11 | 2021-09-30 | 0.15 | 0.21 | 0.06 | 40 | ||
2022-11-09 | 2022-09-30 | -0.06 | 0.01 | 0.07 | 116 | ||
2023-11-09 | 2023-09-30 | 0.07 | 0.16 | 0.09 | 128 |
Know OppFi's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as OppFi is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading OppFi Inc backward and forwards among themselves. OppFi's institutional investor refers to the entity that pools money to purchase OppFi's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Ameriprise Financial Inc | 2024-09-30 | 195.8 K | Lpl Financial Corp | 2024-09-30 | 178.6 K | Marshall Wace Asset Management Ltd | 2024-09-30 | 176.8 K | Gsa Capital Partners Llp | 2024-09-30 | 161 K | Northern Trust Corp | 2024-09-30 | 126.1 K | Manatuck Hill Partners Llc | 2024-09-30 | 125 K | Nuveen Asset Management, Llc | 2024-09-30 | 110.7 K | State Of Wisconsin Investment Board | 2024-09-30 | 107.7 K | Citadel Advisors Llc | 100.7 K | Blackrock Inc | 2024-06-30 | 1.1 M | Lb Partners Llc | 2024-09-30 | 921 K |
OppFi's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 897.6 M.Market Cap |
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OppFi's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Capital Employed | 0.08 | 0.14 | |
| Return On Equity | (0.10) | (0.10) |
Determining OppFi's profitability involves analyzing its financial statements and using various financial metrics to determine if OppFi is a good buy. For example, gross profit margin measures OppFi's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of OppFi's profitability and make more informed investment decisions.
Evaluate OppFi's management efficiency
OppFi Inc has return on total asset (ROA) of 0.1177 % which means that it generated a profit of $0.1177 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.3502 %, meaning that it created $0.3502 on every $100 dollars invested by stockholders. OppFi's management efficiency ratios could be used to measure how well OppFi manages its routine affairs as well as how well it operates its assets and liabilities. The OppFi's current Return On Capital Employed is estimated to increase to 0.14, while Return On Tangible Assets are forecasted to increase to (0). As of now, OppFi's Asset Turnover is increasing as compared to previous years.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 11.84 | 7.32 | |
| Tangible Book Value Per Share | 11.84 | 7.34 | |
| Enterprise Value Over EBITDA | 8.66 | 9.09 | |
| Price Book Value Ratio | 8.04 | 8.44 | |
| Enterprise Value Multiple | 8.66 | 9.09 | |
| Price Fair Value | 8.04 | 8.44 | |
| Enterprise Value | 401.3 M | 269.7 M |
The strategic decisions made by OppFi management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Forward Dividend Yield 0.0411 | Beta 1.223 |
Basic technical analysis of OppFi Stock
As of the 2nd of December, OppFi holds the Risk Adjusted Performance of 0.1774, semi deviation of 2.95, and Coefficient Of Variation of 451.97. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of OppFi, as well as the relationship between them.OppFi's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific OppFi insiders, such as employees or executives, is commonly permitted as long as it does not rely on OppFi's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases OppFi insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
OppFi's Outstanding Corporate Bonds
OppFi issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. OppFi Inc uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most OppFi bonds can be classified according to their maturity, which is the date when OppFi Inc has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| Boeing Co 2196 Corp BondUS097023DG73 | View | |
| ORACLE P 5375 Corp BondUS68389XAM74 | View | |
| ORACLE P 6125 Corp BondUS68389XAH89 | View | |
| ORACLE P 65 Corp BondUS68389XAE58 | View | |
| ORACLE P 295 Corp BondUS68389XBS36 | View | |
| ORACLE PORATION Corp BondUS68389XBU81 | View | |
| ORACLE PORATION Corp BondUS68389XBT19 | View |
Understand OppFi's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing OppFi's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.1774 | |||
| Market Risk Adjusted Performance | 0.5137 | |||
| Mean Deviation | 3.24 | |||
| Semi Deviation | 2.95 | |||
| Downside Deviation | 3.21 | |||
| Coefficient Of Variation | 451.97 | |||
| Standard Deviation | 4.45 | |||
| Variance | 19.84 | |||
| Information Ratio | 0.1904 | |||
| Jensen Alpha | 0.7283 | |||
| Total Risk Alpha | 0.232 | |||
| Sortino Ratio | 0.264 | |||
| Treynor Ratio | 0.5037 | |||
| Maximum Drawdown | 27.83 | |||
| Value At Risk | (5.06) | |||
| Potential Upside | 6.73 | |||
| Downside Variance | 10.31 | |||
| Semi Variance | 8.68 | |||
| Expected Short fall | (4.12) | |||
| Skewness | 1.57 | |||
| Kurtosis | 7.1 |
| Risk Adjusted Performance | 0.1774 | |||
| Market Risk Adjusted Performance | 0.5137 | |||
| Mean Deviation | 3.24 | |||
| Semi Deviation | 2.95 | |||
| Downside Deviation | 3.21 | |||
| Coefficient Of Variation | 451.97 | |||
| Standard Deviation | 4.45 | |||
| Variance | 19.84 | |||
| Information Ratio | 0.1904 | |||
| Jensen Alpha | 0.7283 | |||
| Total Risk Alpha | 0.232 | |||
| Sortino Ratio | 0.264 | |||
| Treynor Ratio | 0.5037 | |||
| Maximum Drawdown | 27.83 | |||
| Value At Risk | (5.06) | |||
| Potential Upside | 6.73 | |||
| Downside Variance | 10.31 | |||
| Semi Variance | 8.68 | |||
| Expected Short fall | (4.12) | |||
| Skewness | 1.57 | |||
| Kurtosis | 7.1 |
Consider OppFi's intraday indicators
OppFi intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of OppFi stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
OppFi Corporate Filings
F4 | 25th of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
13A | 14th of November 2024 An amended filing to the original Schedule 13G | ViewVerify |
10Q | 8th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
8K | 7th of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
OppFi Stock media impact
Far too much social signal, news, headlines, and media speculation about OppFi that are available to investors today. That information is available publicly through OppFi media outlets and privately through word of mouth or via OppFi internal channels. However, regardless of the origin, that massive amount of OppFi data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of OppFi news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of OppFi relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to OppFi's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive OppFi alpha.
OppFi Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards OppFi can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
OppFi Corporate Management
| Theodore Schwartz | CoFounder Director | Profile | |
| Marv Gurevich | General Secretary | Profile | |
| Yuri TerSaakyants | Chief Officer | Profile | |
| Shaun Smolarz | Head Relations | Profile | |
| Ray Chay | VP Operations | Profile | |
| Elizabeth Simer | Chief GM | Profile |
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in OppFi Inc. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census. You can also try the CEOs Directory module to screen CEOs from public companies around the world.
Is Asset Management & Custody Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of OppFi. If investors know OppFi will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about OppFi listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.631 | Earnings Share 0.3 | Revenue Per Share 13.499 | Quarterly Revenue Growth 0.256 | Return On Assets 0.1177 |
The market value of OppFi Inc is measured differently than its book value, which is the value of OppFi that is recorded on the company's balance sheet. Investors also form their own opinion of OppFi's value that differs from its market value or its book value, called intrinsic value, which is OppFi's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because OppFi's market value can be influenced by many factors that don't directly affect OppFi's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between OppFi's value and its price, as these two are different measures arrived at by various means. Investors typically determine if OppFi is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, OppFi's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.