7 Undervalued Consumer Finance Stocks for Friday, October 30
Discover the top 7 undervalued Consumer Finance stocks for Friday, October 30 based on AAII’s Stock Grades.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.
Commentary & Analysis
Why OppFi Inc.’s (OPFI) Stock Is Up 6.12%
As of Thursday, October 29, OppFi Inc.’s OPFI share price has surged by 6.12%, which has investors questioning if this is right time to sell.Tudor Pop
What You Need to Know About OppFi Inc.'s Q4 Earnings
OppFi Inc.'s fiscal Q4 earnings report was released on Wednesday, October 28. Let's dive in to see if (OPFI) missed or beat analyst's expectations.Tudor Pop
Why OppFi Inc.’s (OPFI) Stock Is Up 5.50%
As of Wednesday, October 28, OppFi Inc.’s OPFI share price has surged by 5.50%, which has investors questioning if this is right time to sell.Rosalio Madrigal
Why OppFi Inc.’s (OPFI) Stock Is Down 5.02%
As of Friday, October 23, OppFi Inc.’s OPFI share price has dipped by 5.02%, which has investors questioning if this is right time to buy.Rosalio Madrigal
Financial Summary
| Share Statistics | OPFI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $497.6 | $774.7 | 38% |
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| Shares Out (Mil) | 86.0 | 36.6 | 59% |
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| Institutional Ownership | 79.8% | 79.0% | 49% |
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| Float (Mil) | 33.4 | 32.8 | 38% |
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| Beta | 1.80 | 1.09 | 88% |
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| Avg Daily Volume (000s) | 1,065 | 358 | 71% |
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| Price Change (52-week) |
(40.1%) | 71.9% | 25% |
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| Growth | OPFI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 12.7% | 9.1% | 67% |
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| Net Income (5yr) | (19.4%) | 14.1% | 21% |
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| EPS (5yr) | na | 15.7% | na |
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| Dividends (5yr) | 0.0% | 0.0% | 0% |
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| Cash Flow (5yr) | na | (2.8%) | na |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 4 | 4 | 4 | |
| Current EPS | $0.325 | $1.375 | $1.750 | |
| Month Ago EPS | $0.385 | $1.415 | $1.930 | |
| # Rev Up | 2 | 2 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.488 | $1.790 | $2.195 | |
| Year/Year Chg | 81.6% | 38.9% | 134.8% | |
| Financials | OPFI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $328 | $1,066 | 36% |
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| Net Income (TTM) (Mil) | $102 | $154 | 61% |
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| EPS (TTM) | $2.704 | $1.400 | 76% |
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| Operating Cash Flow (TTM) (Mil) | $405 | $247 | 68% |
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| Net Cash Flow (TTM) (Mil) | $14 | $11 | 59% |
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| Long-Term Debt (Q1) (Mil) | $286 | $963 | 53% |
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| Enterprise Value (Q1) (Mil) | na | $1,317 | na |
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| Valuation | OPFI | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.20 | 1.20 | 33% |
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| P/E | 2.7 | 9.3 | 2% |
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| Dividend Yield | 0.0% | 0.0% | 0% |
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| PEG (5yr hist) | na | 0.6 | na |
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| Ratios | OPFI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 100.0% | 78.5% | 96% |
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| Net Margin | 29.8% | 10.6% | 88% |
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| ROA | 14.1% | 2.8% | 92% |
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| ROE | 47.6% | 13.8% | 92% |
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| Liabilities to Assets | 46.3% | 78.5% | 38% |
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| F-Score | 5 | 5 | 50% |
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Passing Stock Screens
As of 11/3/2026, from a list of 60 stock screening strategies,
FACTOR STRATEGY
Fundamental Rule of Thumb Screen
Factors: Value
An old value screen combining the P/E ratio, dividend yield, and an adjusted return on equity that's still applicable in today's market.
| Performance Since Inception: | 5.9% |
| +/- S&P 500: | -1.5 |
