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Screener Weekly Summary Pricing

CURO Group Holdings Corp. (CUROQ) vs Jiayin Group Inc. Sponsored ADR (JFIN)

CURO Group Holdings Corp. and Jiayin Group Inc. Sponsored ADR are both Credit Services companies. Jiayin Group Inc. Sponsored ADR is the larger, with a market value of $37.9M against $5.9M — 6.5× the size. CURO Group Holdings Corp. has negative trailing earnings, so its P/E is not meaningful; Jiayin Group Inc. Sponsored ADR trades at 2.0×. CURO Group Holdings Corp. grew revenue faster over the last twelve months: −14.2% against −33.0%. Jiayin Group Inc. Sponsored ADR has the higher net margin (6.13% vs −77.0%) and the higher return on invested capital (3.94% vs 0.35%). Both pay a dividend; Jiayin Group Inc. Sponsored ADR yields more (15.8% vs 12.9%). Across the 20 metrics below, Jiayin Group Inc. Sponsored ADR leads on 15 and CURO Group Holdings Corp. on 5.

Valuation

Metric CUROQ JFIN Credit Services median
P/E n/m 1.97 9.64
P/S 0.00 0.13 0.87
P/B n/m 0.12 1.16
Price to free cash flow n/m 0.32 2.99
EV/EBITDA 9.71 1.50 9.58
EV/Sales 3.86 0.09 2.32
Earnings yield (25,100.00%) 50.75% 6.72%
Free cash flow yield (1,660.95%) 317.10% 12.33%

Profitability

Metric CUROQ JFIN Credit Services median
Gross margin 42.47% 63.40% 77.13%
Operating margin 1.73% 6.28% 0.34%
Net margin (77.04%) 6.13% 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%) 3.23% 2.29%
Return on invested capital 0.35% 3.94% 4.09%

Growth

Metric CUROQ JFIN Credit Services median
Revenue growth (TTM) (14.18%) (32.97%) 4.62%
EPS growth (last fiscal year) (432.61%) 54.41% —
Revenue growth, 5-year CAGR 0.45% 34.89% 9.13%
Net income growth, 5-year CAGR 0.00% 41.47% 0.00%

Health

Metric CUROQ JFIN Credit Services median
Debt to equity (5.49) 0.15 0.68
Current ratio 9.33 1.79 1.55
Net debt to EBITDA 12.54 0.11 0.13

Dividend

Metric CUROQ JFIN Credit Services median
Dividend yield 12.94% 15.84% 3.34%
Payout ratio 0.54 0.00 0.00

Size

Metric CUROQ JFIN Credit Services median
Market cap 5.86m 37.86m 872.19m

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