AI Financial Corporation (AIFC) vs Orion Digital Corp. (ORIO)

AI Financial Corporation and Orion Digital Corp. are both Software Infrastructure companies. AI Financial Corporation and Orion Digital Corp. are of similar size ($23.8M and $22.5M). AI Financial Corporation grew revenue faster over the last twelve months: −0.98% against −1.80%. Orion Digital Corp. has the higher net margin (−25.1% vs −4,021.7%) and the higher return on invested capital (−0.16% vs −2.02%). Across the 18 metrics below, Orion Digital Corp. leads on 15 and AI Financial Corporation on 3.

Valuation

Metric AIFC ORIO Software Infrastructure median
P/E n/m n/m 24.52
P/S 1.12 0.52 2.78
P/B 0.04 0.54 2.84
Price to free cash flow n/m n/m 18.22
EV/EBITDA n/m 4.18 13.98
EV/Sales 1.97 0.47 2.92
Earnings yield (5,343.76%) (46.30%) 0.00%
Free cash flow yield (88.82%) (9.93%) 0.37%

Profitability

Metric AIFC ORIO Software Infrastructure median
Gross margin 55.05% 70.80% 57.91%
Operating margin (107.34%) (0.23%) 0.00%
Net margin (4,021.65%) (25.14%) 0.00%
Free cash flow margin (91.05%) (5.18%) 0.00%
Return on equity (247.36%) (23.26%) 0.00%
Return on assets (203.72%) (9.92%) 0.00%
Return on invested capital (2.02%) (0.16%) 0.00%

Growth

Metric AIFC ORIO Software Infrastructure median
Revenue growth (TTM) (0.98%) (1.80%) 14.42%
EPS growth (last fiscal year) (774.34%) 39.02% 17.35%
Revenue growth, 5-year CAGR (6.68%) 8.26% 16.15%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric AIFC ORIO Software Infrastructure median
Debt to equity 0.04 0.47 0.02
Current ratio 0.60 1.52 1.53
Net debt to EBITDA (0.16) (1.75) 0.05

Dividend

Metric AIFC ORIO Software Infrastructure median
Dividend yield — — 1.04%
Payout ratio — — 0.29

Size

Metric AIFC ORIO Software Infrastructure median
Market cap 22.45m 23.78m 606.60m

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