Omni Financial Services

OFSI

Financial - Capital Markets · Financial Services

Price

$0.00

+0.00 (+0.00%)

Market Cap

$5,111

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Share count rising — dilution

+73.1% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 4.9M (2002) → 8.6M (2006)

Omni Financial Services, Inc. is a small financial services company that provides lending and financial products primarily to U.S. military personnel and veterans. Its core offering is personal installment loans, helping service members cover expenses when they need cash quickly. The company operates in a niche corner of the consumer lending market focused almost entirely on the military community.

Omni makes money by charging interest on the loans it issues, which explains its 100% gross margin — it sells a financial product, not a physical good. The company operates mainly in the United States and is quite small, with a market cap close to zero, suggesting it is a micro-cap or thinly traded firm. Its focus on military borrowers gives it a defined customer base, but that same narrow focus is also a key risk, since regulatory changes around military lending rules — such as the Military Lending Act — could directly limit how it operates or what it can charge.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+45.1% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

-21.1% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.0%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

5+ years

Quarterly Free Cash Flow

$5M cash & investments at current burn rate

Revenue accelerating

Omni Financial Services grew revenue 45% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Operating Margin

24.7%

Excellent — 24.7% operating margin

ROCE

1.3%

Weak — 1.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY

+85.9%

Fast-growing sales (85.9% YoY)

EPS YoY

-61.0%

Earnings shrinking (-61.0% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion

52%

Weak — only 52% of profit becomes cash

FCF Margin

-26.0%

Burning cash (-26.0%)

Free cash flow is negative. They are burning cash, not generating it.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity

1.74

Elevated debt (1.74)

Interest Cover

0.28x

Dangerous — barely covers interest (0.3x)

Interest coverage below 1. Their profits don't cover the interest bill.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

P/E Ratio (TTM)

0.0x

Attractive valuation — P/E 0.0

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

N/A

not available

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Not applicable for this business.

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial