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Insufficient data to determine institutional momentum.
Data as of Q3 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
No trend data available for this metric.
Top 30 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
What the company returns to shareholders — and whether it's covered by cash.
The dividend is comfortably covered — only 2% of free cash flow, leaving room to grow it and fund buybacks. Last year: $6.4M dividends + $15.5M buybacks = $21.9M returned on $382.2M FCF.
2 consecutive years of dividend increases · 105%/yr.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 7 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Insufficient data. Current ROIC on all capital: 45%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 7 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
Leverage ratios is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $25.1M covers the $0 due within a year 25064000.0× over. Scheduled principal only (excludes interest & revolver draws). As of 2021-12-31 (10-K/A).
Thin coverage — earnings barely cover interest. Interest last disclosed in FY2022 (no longer broken out).
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
EOD close · as of 2026-10-30
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Selling, General & Admin | $16.6M | $15.1M | $13.6M | $11.9M | $13.9M | $9.8M | $7.9M |
| Operating Income | $166.7M | $94.5M | $46.4M | -$6.3M | $57.3M | $77.5M | $33.0M |
| Interest Expense | — | — | — | $32.8M | $21.8M | $18.7M | $20.1M |
| Other Income (Expense), net | -$4.2M | $318K | $431K | — | — | — | — |
| Pretax Income | $156.1M | $88.1M | $41.8M | $3.1M | $90.1M | $77.5M | $33.0M |
| Income Tax Expense | $9.9M | $4.2M | $2.3M | -$277K | $311K | $0 | $0 |
| Net Income | $26.3M | $7.3M | -$1.0M | $7.1M | $25.6M | $77.5M | $33.0M |
| Per Share | |||||||
| EPS (Basic) | $0.99 | $0.36 | -$0.06 | $0.51 | $1.93 | $0.00 | $0.00 |
| EPS (Diluted) | $0.99 | $0.36 | -$0.06 | $0.05 | $0.48 | $0.00 | $0.00 |
| Weighted Avg Shares (Basic) | 26.5M | 20.1M | 16.4M | 13.9M | 13.2M | 0 | 0 |
| Weighted Avg Shares (Diluted) | 26.5M | 20.1M | 16.4M | 84.3M | 84.5M | 0 | 0 |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
A reverse discounted cash flow is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
Ranked against 16 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| RHLD | $944M | — | 6.4× | 2.0× | 9.9% | 56.3% | -1.3% | -91.1% | -3.1% | 0.1× | 10 |
| BUR | $747M | 12.1× | — | 1.8× | -24.3% | — | 15.1% | 2.6% | 1.4% | — | 37 |
| QFIN | $629M | 1.6× | — | 0.2× | 16.8% | 84.4% | 31.1% | 24.8% | 24.8% | -0.7× | 25 |
| HKD | $522M | 3.8× | 69.4× | 3.8× | 566% | — | 71.3% | 36.8% | 18.5% | — | 2 |
| FWDI | $484M | — | — | 26.6× | -9.0% | 28.5% | -918% | -11.4% | -11.4% | — | — |
| ABTC | $484M | — | — | 2.6× | 159% | 50.3% | -82.7% | -23.0% | -23.0% | — | — |
| OPFI | $479M | 5.7× | — | — | — | — | — | 45.0% | 45.0% | — | 22 |
| OPRT | $455M | 18.7× | — | 0.5× | -4.5% | — | 2.6% | 6.5% | 6.5% | — | 22 |
| WYFI | $402M | — | — | 5.1× | 66.2% | 60.2% | -31.2% | -5.1% | -4.9% | — | 15 |
| SNFCA | $238M | 7.3× | — | 0.7× | 3.0% | 98.6% | 9.3% | 7.8% | 7.8% | — | 14 |
| DGXX | $225M | — | — | 6.6× | -7.6% | -9.4% | -82.9% | -23.0% | -23.0% | — | — |
| CPSS | $222M | 12.7× | — | 0.5× | 10.4% | — | 4.4% | 6.2% | 2.4% | — | 11 |
| FUFU | $180M | — | 39.8× | 0.4× | 3.1% | 6.1% | -6.5% | -20.9% | -19.0% | -3.0× | — |
| XYF | $176M | 5.7× | 0.4× | 0.2× | 35.8% | 73.6% | 19.2% | 18.7% | 17.8% | -0.3× | 4 |
| AMBR | $167M | — | — | 5.1× | -9.0% | 51.0% | -88.7% | -224% | -224% | — | 1 |
| SLNH | $164M | — | — | 5.5× | -21.8% | 6.1% | -180% | -99.7% | -66.5% | — | 11 |
| DFDV | $108M | — | — | 9.4× | 442% | 97.8% | -648% | -74.3% | -32.5% | — | 6 |
Peers = companies sharing OPFI's sector (Finance Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
EOD close · as of 2026-10-30
Where each multiple sits in its own 6-yr range · 38th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 6-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE 45% against ROIC 45% — 0% of the return on equity comes from leverage and buybacks rather than from the operating business.
Equity is the year-end figure. On average equity over the two year-ends, ROE is 57.7% — the two diverge when buybacks or issuance move equity during the year.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Operating leverage needs meaningful revenue change.
Each line as % of revenue — the trend in color
| % of revenue | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on OPFI: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Cost of capital cannot be computed, so the spread is unknown.
Return on equity (45%) and return on invested capital (45%) are within a couple of points in FY2025, so the headline return is the operating return — there is no meaningful leverage effect to strip out.
No material counter-signal in the checked set: ROIC vs WACC spread, 5-year spread history, gross margin trend, operating margin trend, net margin against 3 years ago, revenue growth, ROIC ex-goodwill gap.
Missing from our data, so excluded from this answer: wacc.
Converts 19.61x of reported profit into free cash flow over 5 years, with accruals negative.
Shares outstanding are up 94% since FY2021 — per-share cash flow has grown more slowly than the totals above, and the gap is the owners'.
Leverage is not measurable this way for a bank.
This schedule comes from a filing dated 2021-12-31, 1765 days old. Maturities are shown relative to that date, not to today.
Ladder as of 2021-12-31 (10-K/A); cash from the 2021-12-31 balance sheet; FCF from FY2021.
Balance sheet at 2021-12-31. Undrawn revolving credit is not shown: the tag is collected but not yet mapped through to the API.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Missing from our data, so excluded from this answer: capital adequacy metrics for this archetype.
At $5.62, free cash flow must compound -38.32%/yr for 10 years. It has done 17.9%/yr over 6 years.
| Fiscal year | FCF growth | Price requires |
|---|---|---|
| FY2020 | 27.5% | −38.3% |
| FY2021 | −15.7% | −38.3% |
| FY2022 | 50.4% | −38.3% |
| FY2023 | 24.8% | −38.3% |
| FY2024 | 8.2% | −38.3% |
| FY2025 | 23.0% | −38.3% |
The percentile ranks the FISCAL-YEAR point, because the distribution behind each strip is built from fiscal-year closes — ranking a TTM figure inside it would compare two different bases. TTM basis: TTM (share count from the last fiscal year — the TTM window reports none).
The cost of capital could not be computed for this company, so the requirement is solved at the published 10% default — a different rate would move it materially.
| Step | Amount | Running total |
|---|---|---|
| Net income | $26M | $26M |
| Share-based comp | $10M | $36M |
| Other non-cash & working capital | $365M | $401M |
| Operating cash flow | $401M | $401M |
| Capex | −$19M | $382M |
| Free cash flow | $382M | $382M |
| FCF after SBC | $372M | $372M |
| Fiscal year | Accruals / assets |
|---|---|
| FY2019 | not reported |
| FY2020 | -40.1 percent |
| FY2021 | -28.2 percent |
| FY2022 | -40.7 percent |
| FY2023 | -49.4 percent |
| FY2024 | -49.4 percent |
| FY2025 | -49.7 percent |
SBC is added back inside operating cash flow, so reported free cash flow treats shares issued to employees as free. Percent of revenue says how expensive the payroll is; percent of operating cash flow says how much of the cash exists only because the charge was added back. The buyback offset is buybacks over SBC — below 1.0 the repurchase does not cover the shares issued.
Figures are the latest fiscal year (FY2025) from the company's own filings, not a trailing-twelve-month window — Q2 reads fiscal years throughout so the cash-conversion ratios and these share one basis. A blank is a line the filer did not report; it is never read as zero.
Last reported position per insider, carried forward. Steps can be a holding disclosed for the first time rather than a trade.
| Date | Insider | What it was | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-10-01 | 3 co-filers CFO | Tax withholding | 1,974 | $6.03 | $12k |
| 2026-10-01 | 3 co-filers Chief Risk & Analytics Officer | Tax withholding | 1,970 | $6.03 | $12k |
| 2026-10-01 | 2 co-filers Chief Executive Officer | Tax withholding | 2,643 | $6.03 | $16k |
| 2026-10-01 | 3 co-filers CFO | Tax withholding |
Every row is classified by what it MEANT, not by its SEC code. A code is not a meaning: code P (“purchase”) also covers dividend reinvestment and employee stock purchase plans, and code S (“sale”) also covers 10b5-1 plan sales scheduled months earlier and option exercises sold the same day.
Across 30 days of all filings, $5.08bn of insider selling contained $3.50bn of plan sales and $0.46bn of exercise-and-sell. Only 29% was discretionary. Reading an unclassified feed badly overstates how much insiders decided.
Buys and sales are counted separately and never netted. They are different decisions by different people; a company where one officer bought while another sold is not “neutral”.
The holding line carries each insider's last reported position forward, so it shows the total held rather than a sawtooth of whoever traded that day. It covers only insiders who filed in the window.
“Filed late” counts calendar days past the two-business-day deadline with five days' grace, so a Thursday or Friday trade crossing a weekend is never flagged. It describes the company's filing discipline, not the trade.
Insider activity is descriptive. Nothing here is investment advice.
| 1,715 |
| $6.03 |
| $10k |
| 2026-10-01 | 2 co-filers Chief Executive Officer | Tax withholding | 4,497 | $6.03 | $27k |
| 2026-10-01 | 3 co-filers Chief Risk & Analytics Officer | Tax withholding | 1,369 | $6.03 | $8k |
| 2026-10-01 | 3 co-filers CFO | Tax withholding | 496 | $6.03 | $3k |
| 2026-10-01 | 3 co-filers Chief Risk & Analytics Officer | Tax withholding | 396 | $6.03 | $2k |
| 2026-09-14 | 2 co-filers Chief Executive Officer | Open-market buyindirect | 1,940 | $7.80 | $15k |
| 2026-09-11 | 2 co-filers Chief Executive Officer | Open-market buyindirect | 3,300 | $7.96 | $26k |
| 2026-09-11 | Johnson Pamela D. CFO | Open-market sale | 8,650 | $8.02 | $69k |
| 2026-09-10 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,350 | $7.56 | $25k |
| 2026-09-09 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,450 | $7.59 | $26k |
| 2026-09-08 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,475 | $7.41 | $26k |
| 2026-09-04 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,500 | $7.35 | $26k |
| 2026-09-03 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,450 | $7.33 | $25k |
| 2026-09-02 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,550 | $7.15 | $25k |
| 2026-09-01 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,550 | $6.91 | $25k |
| 2026-08-31 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,550 | $6.93 | $25k |
| 2026-08-28 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,500 | $7.15 | $25k |
| 2026-08-27 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,550 | $7.13 | $25k |
| 2026-08-26 | Mckay Christopher J. Chief Risk & Analytics Officer | Open-market sale | 77,850 | $7.18 | $559k |
| 2026-08-26 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,500 | $7.19 | $25k |
| 2026-08-25 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,475 | $7.25 | $25k |
| 2026-08-24 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,475 | $7.15 | $25k |
| 2026-08-21 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,550 | $7.07 | $25k |
| 2026-08-20 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,450 | $7.13 | $25k |
| 2026-08-19 | Vennettilli David Director | Open-market sale | 28,485 | $7.16 | $204k |
| 2026-08-19 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,500 | $7.16 | $25k |
| 2026-08-18 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,550 | $7.04 | $25k |
| 2026-08-17 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 3,500 | $7.00 | $25k |
| 2026-08-14 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 20,000 | $7.20 | $144k |
| 2026-08-13 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 60,000 | $7.13 | $428k |
| 2026-08-12 | Schwartz Todd G. Chief Executive Officer | Open-market buyindirect | 60,000 | $7.05 | $423k |
| 2026-07-01 | 3 co-filers CFO | Tax withholding | 1,974 | $9.93 | $20k |
| 2026-07-01 | 2 co-filers Chief Executive Officer | Tax withholding | 2,643 | $9.93 | $26k |
| 2026-07-01 | 3 co-filers Chief Risk & Analytics Officer | Tax withholding | 1,969 | $9.93 | $20k |
| 2026-07-01 | 3 co-filers Chief Risk & Analytics Officer | Tax withholding | 1,369 | $9.93 | $14k |
| 2026-07-01 | 2 co-filers Chief Executive Officer | Tax withholding | 4,497 | $9.93 | $45k |
| 2026-07-01 | 3 co-filers CFO | Tax withholding | 1,715 | $9.93 | $17k |