AI Financial Corporation (AIFC) vs Loyalty Ventures Inc. (LYLTQ)

AI Financial Corporation and Loyalty Ventures Inc. are both Software Infrastructure companies. AI Financial Corporation and Loyalty Ventures Inc. are of similar size ($55.2M and $54.1M). Loyalty Ventures Inc. grew revenue faster over the last twelve months: 0.02% against −0.98%. Loyalty Ventures Inc. has the higher net margin (−68.3% vs −4,021.7%) and the lower return on invested capital (−166.1% vs −2.02%). Across the 15 metrics below, Loyalty Ventures Inc. leads on 12 and AI Financial Corporation on 3.

Valuation

Metric AIFC LYLTQ Software Infrastructure median
P/E n/m n/m 28.38
P/S 2.31 n/m 2.98
P/B 0.07 n/m 2.93
Price to free cash flow n/m n/m 16.28
EV/EBITDA n/m 5.73 13.92
EV/Sales 3.16 0.75 2.90
Earnings yield (2,595.54%) 0.00% 0.14%
Free cash flow yield (43.14%) 0.00% 1.24%

Profitability

Metric AIFC LYLTQ Software Infrastructure median
Gross margin 55.05% 16.41% 61.00%
Operating margin (107.34%) (56.74%) 0.00%
Net margin (4,021.65%) (68.27%) 0.00%
Free cash flow margin (91.05%) (0.92%) 1.67%
Return on equity (247.36%) (164.51%) 0.60%
Return on assets (203.72%) (24.83%) 0.00%
Return on invested capital (2.02%) (166.07%) 0.00%

Growth

Metric AIFC LYLTQ Software Infrastructure median
Revenue growth (TTM) (0.98%) 0.02% 13.41%
EPS growth (last fiscal year) (774.34%) (103.11%) 27.10%
Revenue growth, 5-year CAGR (6.68%) — 15.57%
Net income growth, 5-year CAGR 0.00% — 0.00%

Health

Metric AIFC LYLTQ Software Infrastructure median
Debt to equity 0.04 (1.59) 0.05
Current ratio 0.60 0.98 1.55
Net debt to EBITDA (0.16) 3.42 0.08

Dividend

Metric AIFC LYLTQ Software Infrastructure median
Dividend yield — — 1.20%
Payout ratio — — 0.29

Size

Metric AIFC LYLTQ Software Infrastructure median
Market cap 55.22m 54.15m 752.37m

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