Jianpu Technology Inc. (AIJTY) vs CURO Group Holdings Corp. (CUROQ)

Jianpu Technology Inc. and CURO Group Holdings Corp. are both Credit Services companies. Jianpu Technology Inc. is the larger, with a market value of $12.8M against $5.9M — 2.2× the size. Jianpu Technology Inc. grew revenue faster over the last twelve months: 4.97% against −14.2%. Jianpu Technology Inc. has the higher net margin (−2.50% vs −77.0%) and the lower return on invested capital (0.00% vs 0.35%). Across the 18 metrics below, Jianpu Technology Inc. leads on 10 and CURO Group Holdings Corp. on 8.

Valuation

Metric AIJTY CUROQ Credit Services median
P/E n/m n/m 9.64
P/S 0.13 0.00 0.87
P/B 0.46 n/m 1.16
Price to free cash flow n/m n/m 2.99
EV/EBITDA 1.01 9.71 9.58
EV/Sales (0.05) 3.86 2.32
Earnings yield (18.74%) (25,100.00%) 6.72%
Free cash flow yield (350.60%) (1,660.95%) 12.33%

Profitability

Metric AIJTY CUROQ Credit Services median
Gross margin 25.57% 42.47% 77.13%
Operating margin (4.91%) 1.73% 0.34%
Net margin (2.50%) (77.04%) 9.25%
Free cash flow margin (46.45%) (5.16%) 13.03%
Return on equity 0.00% 299.47% 8.49%
Return on assets 0.00% (17.99%) 2.29%
Return on invested capital 0.00% 0.35% 4.09%

Growth

Metric AIJTY CUROQ Credit Services median
Revenue growth (TTM) 4.97% (14.18%) 4.62%
EPS growth (last fiscal year) (69.01%) (432.61%) —
Revenue growth, 5-year CAGR 9.29% 0.45% 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric AIJTY CUROQ Credit Services median
Debt to equity 0.00 (5.49) 0.68
Current ratio 1.87 9.33 1.55
Net debt to EBITDA (13.28) 12.54 0.13

Dividend

Metric AIJTY CUROQ Credit Services median
Dividend yield — 12.94% 3.34%
Payout ratio 0.00 0.54 0.00

Size

Metric AIJTY CUROQ Credit Services median
Market cap 12.76m 5.86m 872.19m

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