Atlanticus Holdings Corporation (ATLC) vs Qfin Holdings Inc. - Sponsored ADR (QFIN)

Atlanticus Holdings Corporation and Qfin Holdings Inc. - Sponsored ADR are both Credit Services companies. Atlanticus Holdings Corporation is the larger, with a market value of $1.4B against $914.3M — 1.5× the size. Qfin Holdings Inc. - Sponsored ADR trades at the lower P/E: 1.7× against 9.6×. Atlanticus Holdings Corporation grew revenue faster over the last twelve months: 83.7% against −4.44%. Qfin Holdings Inc. - Sponsored ADR has the higher net margin (22.5% vs 5.46%) and the lower return on invested capital (17.1% vs 17.1%). Both pay a dividend; Qfin Holdings Inc. - Sponsored ADR yields more (6.99% vs 1.22%). Across the 22 metrics below, Qfin Holdings Inc. - Sponsored ADR leads on 16 and Atlanticus Holdings Corporation on 6.

Valuation

Metric ATLC QFIN Credit Services median
P/E 9.63 1.72 9.64
P/S 0.53 0.36 0.87
P/B 2.01 0.26 1.16
Price to free cash flow 1.50 0.72 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales 0.55 (0.08) 2.32
Earnings yield 10.39% 58.08% 6.72%
Free cash flow yield 66.80% 138.03% 12.33%

Profitability

Metric ATLC QFIN Credit Services median
Gross margin 83.16% 82.15% 77.13%
Operating margin 0.00% 31.53% 0.34%
Net margin 5.46% 22.49% 9.25%
Free cash flow margin 35.30% 52.61% 13.03%
Return on equity 23.04% 0.00% 8.49%
Return on assets 2.60% 6.86% 2.29%
Return on invested capital 17.09% 17.05% 4.09%

Growth

Metric ATLC QFIN Credit Services median
Revenue growth (TTM) 83.72% (4.44%) 4.62%
EPS growth (last fiscal year) 24.95% 11.31% —
Revenue growth, 5-year CAGR 28.43% 5.73% 9.13%
Net income growth, 5-year CAGR 7.73% 9.83% 0.00%

Health

Metric ATLC QFIN Credit Services median
Debt to equity 0.99 0.12 0.68
Current ratio 1.26 2.17 1.55
Net debt to EBITDA 0.00 (1.04) 0.13

Dividend

Metric ATLC QFIN Credit Services median
Dividend yield 1.22% 6.99% 3.34%
Payout ratio 0.00 0.15 0.00

Size

Metric ATLC QFIN Credit Services median
Market cap 1.39b 914.32m 872.19m

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