Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/4c14541f-b6a5-4f73-8b2b-f43526355c5d/
OPFI
OppFi IncSnapshot 2026-06-07 · 0.0w · Fresh
Strategy Eligibility
9 of 23 passing
★
OS Composite
OS 0.890
↗
Trending Value
✗
◆
Quality × Value
QV 0.970
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 3.3
◇
VC2 Cheapest
VC2 3.00000000
📐
EBITDA/EV
35.0%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +13%
🔄
Shareholder Yield
29.1%
💰
High Yield
Div 29.1%
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 95th
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
95.0%ile
P/E
3.3×
P/S
0.4×
P/B
2.9×
E/P
0.3001
FCF Yield
1.044
EBITDA/EV
0.350
SH Yield
0.291
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
4.00000000
/100 — 1=cheapest
VC2 (Trending Value)
3.00000000
/100
VC3 (Buyback)
3.00000000
/100
P/E of 3.3x places this firmly in deep value territory. FCF yield of 104.4% is strong — the business generates significant free cash relative to price. VC2 score of 3.00000000/100 puts this in the cheapest decile of the universe — prime Trending Value territory.
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
6.0%ile
6M Return
-17.8%
12M Return
-41.4%
12-1 Mom
-34.2%
Risk-Adj
-0.80
Vol 252d
42.8%
Vol 60d
90.3%
↑ Expanding
Max DD 12M
-48.5%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of -34% signals a downtrend — price is moving against you. Near-term vol (90%) is expanding vs long-term (43%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.89
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
91.0%
Sector Quality %ile
100.0%
P/E z-score
-0.51
P/B z-score
0.00
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (95th) and quality (99th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Falling Knife
Weak momentum (6th) despite looking cheap (95th value). Wait for momentum to stabilise.
Strong Capital Return
Shareholder yield 29.1% backed by 104.4% 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 (90%) significantly exceeds 252-day (43%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
95.3% avg (7 factors)
Quality
B
64.8% avg (8 factors)
Momentum
F
5.0% avg (4 factors)
Risk
C
45.3% 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
Factor Persistence1 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.890 | —1 | — | |
| Value %ile | 0.950 | —1 | — | |
| Quality %ile | 0.990 | —1 | — | |
| Momentum %ile | 0.060 | —1 | — | |
| F-Score | 6.000 | —0 | — | |
| Confidence | 0.970 | —1 | — | |
| Volatility | 0.428 | —1 | — |
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
3.33
Earnings Yield (E/P)
0.3001
Price / Sales
0.36
Price / Book
2.91
Price / Cash Flow
0.53
FCF Yield
104.4%
EBITDA / EV
35.0%
Sales Yield (1/P·S)
1.2250
Shareholder Yield
Div + net buyback / mktcap
29.1%
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
MomentumPrice trend strength over different horizons
6M Return
-17.8%
12M Return
-41.4%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
-34.2%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
-0.80
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
29.1%
Buyback Yield
0.0%
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
4
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
3
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
3
Trending Value Rank
1=best. Top VC2 decile by 6M momentum
77
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
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
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity