Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/4c14541f-b6a5-4f73-8b2b-f43526355c5d/
OPFI
OppFi IncSnapshot 2026-07-19 · 0.6w · Fresh
Strategy Eligibility
10 of 23 passing
★
OS Composite
OS 0.850
↗
Trending Value
✗
◆
Quality × Value
QV 0.912
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 12.1
◇
VC2 Cheapest
✗
📐
EBITDA/EV
13.3%
◐
Veiled Value
Yes
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +13%
🔄
Shareholder Yield
11.1%
💰
High Yield
Div 8.0%
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 84%
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.95
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
84.0%ile
P/E
12.1×
P/S
1.3×
P/B
10.6×
E/P
0.1303
FCF Yield
0.332
EBITDA/EV
0.133
SH Yield
0.111
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
18.00000000
/100 — 1=cheapest
VC2 (Trending Value)
12.00000000
/100
VC3 (Buyback)
13.00000000
/100
FCF yield of 33.2% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
99.0%ile
ROE
0.874
ROA
0.092
Net Margin
0.109
Op Margin
0.279
GPA
0.829
D/E
4.98
Current
1.14
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.129
Stability
2.956
lower=better
Accruals
-0.482
lower=better
5yr Consist
No
ROE of 87% is exceptional. Highly leveraged with D/E of 4.98 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
13.0%ile
6M Return
-5.3%
12M Return
-19.4%
12-1 Mom
-27.6%
Risk-Adj
-0.68
Vol 252d
40.3%
Vol 60d
82.7%
↑ Expanding
Max DD 12M
-37.9%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of -28% signals a downtrend — price is moving against you. Near-term vol (83%) is expanding vs long-term (40%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.85
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
60.5%
Sector Quality %ile
100.0%
P/E z-score
-0.17
P/B z-score
0.03
Sector Avg OS
85.4%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (84th) and quality (99th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Falling Knife
Weak momentum (13th) despite looking cheap (84th value). Wait for momentum to stabilise.
Strong Capital Return
Shareholder yield 11.1% backed by 33.2% FCF yield. Returns are well-funded.
Leveraged Returns
Strong ROE (87%) boosted by high leverage (D/E 5.0). Returns look good but come with balance sheet risk.
Volatility Expanding
60-day vol (83%) significantly exceeds 252-day (40%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
75.8% avg (7 factors)
Quality
B
64.8% avg (8 factors)
Momentum
F
12.6% avg (4 factors)
Risk
C
49.5% avg (1 factors)
This stock sits in the O'Shaughnessy sweet spot — cheap AND high quality. Historically, this combination has generated the strongest long-term returns. Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends7 snapshots
Factor Persistence7 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.850 | —7 | — | |
| Value %ile | 0.840 | —7 | — | |
| Quality %ile | 0.990 | —7 | — | |
| Momentum %ile | 0.130 | —7 | — | |
| F-Score | 6.000 | —0 | — | |
| Confidence | 0.940 | —7 | — | |
| Volatility | 0.403 | —4 | — |
Value Lens2021-07-20 → 2026-07-19
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
12.12
Earnings Yield (E/P)
0.1303
Price / Sales
1.32
Price / Book
10.59
Price / Cash Flow
1.94
FCF Yield
33.2%
EBITDA / EV
13.3%
Sales Yield (1/P·S)
0.4663
Shareholder Yield
Div + net buyback / mktcap
11.1%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
87.4%
Return on Assets
9.2%
Net Margin
10.9%
Operating Margin
27.9%
Gross Profit / Assets
Novy-Marx GPA
82.9%
Debt / Equity
4.98
Current Ratio
1.14
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.482
External Financing
Net issuance — lower=better
0.036
MomentumPrice trend strength over different horizons
6M Return
-5.3%
12M Return
-19.4%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
-27.6%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
-0.68
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
12.9%
Earnings Stability (CV)
Lower = more stable
2.956
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
6
Dividend Yield
8.0%
Buyback Yield
3.1%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
18
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
12
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
13
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
Yes
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity