Offerpad Solutions Inc.

OPADdata completeness 88%7 fiscal years on file

Data notes: no data for concept 'totalDebt'

The thesis, from the filings

Offerpad Solutions Inc. earns about -395% on invested capital, below its ~9% cost of capital, but has diluted owners by 225% over 5 years — no moat visible in the numbers. The estimate methods put fair value between $28.88 and $31.16 a share.Whether it’s worth owning at today’s price is the last question — and yours to answer, below.

i. The business — what you’d actually own
FigureFY 2021FY 2022FY 2023FY 2024FY 2025
Revenue$2.07B1$3.95B2$1.31B3$918.8M3$567.8M3
Net income$6.46M4−$148.6M5−$117.2M6−$62.2M6−$46.4M6
Operating cash flow−$921.9M7$305.4M8$261.6M9$20.8M9$66.8M9
Capital expenditure$13.7M10$1.07M11$127,00012$5.41M12$1.08M12
Free cash flow (derived)−$935.6M7$304.3M8$261.5M9$15.4M9$65.7M9
Total debt
Cash & equivalents$169.8M13$97.2M14$76M15$43M15$26.5M15
Diluted shares9.5M16.3M26.4M27.4M31.0M

Superscripts are receipts. Each links to the SEC filing the number came from (full list at the bottom).

ii. Your slice — ownership made literal
If you owned
shares
Net assets behind them
$12.33
your share of equity
Profit it earned you last year
−$14.97
Free cash flow it threw off
$21.21
Debt you’d be carrying

10 shares is a claim on $12.33 of net worth that earned you −$14.97 and generated $21.21 of cash last year.

iii. Is this a good business?
Moat signal · return on invested capital
-395% avg · 5y
FY21 25%FY22 -328%FY23 -301%FY24 -1059%FY25 -311%

It earned about -395% on invested capital against a ~9% cost of capital — below the cost of funding. The numbers show no moat.

seeing a moat in the numbers →
Management signal · capital allocation
+225% shares · 5y

Share count is up 225% over 5 years — owners have been diluted. Worth asking what they got for it.

reading capital allocation →

Signals, not verdicts — read from the filings above. Numbers don’t prove a moat; they show its footprint. You decide.

iv. What it’s worth — engine v0.1.0

The 2 estimate methods that apply put fair value between $28.88 and $31.16 a share. They rest on different assumptions, so where they diverge is the story.

DCF · Growth Exit 10Y
$28.88
assumptions (10)
  • riskFreeRate4.7%
  • equityRiskPremium5.0%
  • beta100.0%
  • equityWeight85.0%
  • costOfDebtSpread1.5%
  • taxRate21.0%
  • terminalGrowth2.5%
  • projectionYears10
  • fcfGrowth0.0%
  • fcfBase$65.7M
DCF · Growth Exit 5Y
$31.16
assumptions (10)
  • riskFreeRate4.7%
  • equityRiskPremium5.0%
  • beta100.0%
  • equityWeight85.0%
  • costOfDebtSpread1.5%
  • taxRate21.0%
  • terminalGrowth2.5%
  • projectionYears5
  • fcfGrowth0.0%
  • fcfBase$65.7M
Earnings Power Value
not applicable
normalized (5y-median) earnings non-positive — EPV undefined
Graham Number
not applicable
diluted EPS missing or non-positive — Graham Number undefined

Different models answer different questions — which to trust when →

v. The price question — last, on purpose
Is today’s price fair?
See live price ↗
Type a price. The ledger answers.
Or set your own belief
FCF growth, next 5 years0.0%
Discount rate (WACC)8.93%
Terminal growth2.5%
At your growth, a share is worth $31.16
The three cases
Bear0.0%$31.16
Base0.0%$31.16
Bull5.0%$38.5

Bear/base/bull growth = 0% / filed history / history + 5pp. Type a price to see the return each case implies.

Default growth 0.0%= this company’s own filed history (median-to-median FCF CAGR, clamped 0–20%). Your adjustments are recorded anonymously. They become the “what do owners actually believe” dataset.

Sources — the receipts
  1. 10-K · period ending 2021-12-31 · accession 0000950170-24-021141 (RevenueFromContractWithCustomerExcludingAssessedTax)
  2. 10-K · period ending 2022-12-31 · accession 0000950170-25-026788 (RevenueFromContractWithCustomerExcludingAssessedTax)
  3. 10-K · period ending 2023-12-31 · accession 0001193125-26-067147 (RevenueFromContractWithCustomerExcludingAssessedTax)
  4. 10-K · period ending 2021-12-31 · accession 0000950170-24-021141 (NetIncomeLoss)
  5. 10-K · period ending 2022-12-31 · accession 0000950170-25-026788 (NetIncomeLoss)
  6. 10-K · period ending 2023-12-31 · accession 0001193125-26-067147 (NetIncomeLoss)
  7. 10-K · period ending 2021-12-31 · accession 0000950170-24-021141 (NetCashProvidedByUsedInOperatingActivities)
  8. 10-K · period ending 2022-12-31 · accession 0000950170-25-026788 (NetCashProvidedByUsedInOperatingActivities)
  9. 10-K · period ending 2023-12-31 · accession 0001193125-26-067147 (NetCashProvidedByUsedInOperatingActivities)
  10. 10-K · period ending 2021-12-31 · accession 0000950170-24-021141 (PaymentsToAcquirePropertyPlantAndEquipment)
  11. 10-K · period ending 2022-12-31 · accession 0000950170-25-026788 (PaymentsToAcquirePropertyPlantAndEquipment)
  12. 10-K · period ending 2023-12-31 · accession 0001193125-26-067147 (PaymentsToAcquirePropertyPlantAndEquipment)
  13. 10-K · period ending 2021-12-31 · accession 0000950170-24-021141 (CashAndCashEquivalentsAtCarryingValue)
  14. 10-K · period ending 2022-12-31 · accession 0000950170-25-026788 (CashAndCashEquivalentsAtCarryingValue)
  15. 10-K · period ending 2023-12-31 · accession 0001193125-26-067147 (CashAndCashEquivalentsAtCarryingValue)