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.

Data as of Aug 23, 2026 · filings through Sep 30, 2007

How the score breaks down

Quality

Good

Growth

Mixed

Cash Flow

Weak

Stability

Weak

Valuation

Good

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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)

Winston Score History

The full picture

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.

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

Insider ownership roughly steady over the past year

Cash Runway

5+ years

Quarterly Free Cash Flow

$160M 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.

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Quality

Profit per sale

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Profit after running costs

Operating Margin

24.7%

Excellent — 24.7% operating margin

Return on the money invested

ROCE

4.7%

Weak — 4.7% return on capital

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

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Growth

Sales growth

Sales YoY

+85.9%

Fast-growing sales (+85.9% YoY)

Profit growth

EPS YoY

-61.0%

Earnings shrinking (-61.0% YoY)

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

How steady the profit is

EPS Consistency

3/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash

Cash Conversion

52%

Weak — only 52% of profit becomes cash

Spare cash per sale

FCF Margin

-26.0%

Burning cash (-26.0%)

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

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Stability

What it owes vs what it owns

Debt / Equity

1.74

Elevated debt (1.74)

Covers its interest

Interest Cover

0.28x

Dangerous — barely covers interest (0.3x)

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

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Valuation

Price vs profit

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.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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