CURO Group Holdings Corp. (CUROQ) vs J and Friends Holdings Limited - Sponsored ADR (JF)

CURO Group Holdings Corp. and J and Friends Holdings Limited - Sponsored ADR are both Credit Services companies. J and Friends Holdings Limited - Sponsored ADR is the larger, with a market value of $16.2M against $5.9M — 2.8× the size. CURO Group Holdings Corp. grew revenue faster over the last twelve months: −14.2% against −79.5%. CURO Group Holdings Corp. has the higher net margin (−77.0% vs −132.5%) and the higher return on invested capital (0.35% vs 0.00%). Across the 17 metrics below, CURO Group Holdings Corp. leads on 10 and J and Friends Holdings Limited - Sponsored ADR on 7.

Valuation

Metric CUROQ JF Credit Services median
P/E n/m n/m 9.64
P/S 0.00 0.23 0.87
P/B n/m n/m 1.16
Price to free cash flow n/m n/m 2.99
EV/EBITDA 9.71 n/m 9.58
EV/Sales 3.86 1.26 2.32
Earnings yield (25,100.00%) (12.63%) 6.72%
Free cash flow yield (1,660.95%) 0.00% 12.33%

Profitability

Metric CUROQ JF Credit Services median
Gross margin 42.47% 0.00% 77.13%
Operating margin 1.73% 0.00% 0.34%
Net margin (77.04%) (132.54%) 9.25%
Free cash flow margin (5.16%) 0.00% 13.03%
Return on equity 299.47% 0.00% 8.49%
Return on assets (17.99%) 0.00% 2.29%
Return on invested capital 0.35% 0.00% 4.09%

Growth

Metric CUROQ JF Credit Services median
Revenue growth (TTM) (14.18%) (79.50%) 4.62%
EPS growth (last fiscal year) (432.61%) 38.46% —
Revenue growth, 5-year CAGR 0.45% (43.27%) 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric CUROQ JF Credit Services median
Debt to equity (5.49) (0.01) 0.68
Current ratio 9.33 0.18 1.55
Net debt to EBITDA 12.54 (0.76) 0.13

Dividend

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

Size

Metric CUROQ JF Credit Services median
Market cap 5.86m 16.21m 872.19m

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