CURO Group Holdings Corp. (CUROQ) vs Sentage Holdings Inc. (SNTG)

CURO Group Holdings Corp. and Sentage Holdings Inc. are both Credit Services companies. CURO Group Holdings Corp. is the larger, with a market value of $5.9M against $4.6M — 1.3× the size. CURO Group Holdings Corp. has the higher net margin (−77.0% vs −468.4%) and the higher return on invested capital (0.35% vs 0.00%). Across the 15 metrics below, CURO Group Holdings Corp. leads on 8 and Sentage Holdings Inc. on 7.

Valuation

Metric CUROQ SNTG Credit Services median
P/E n/m n/m 9.64
P/S 0.00 n/m 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 (0.44) 2.32
Earnings yield (25,100.00%) (212.35%) 6.72%
Free cash flow yield (1,660.95%) 0.00% 12.33%

Profitability

Metric CUROQ SNTG Credit Services median
Gross margin 42.47% 0.00% 77.13%
Operating margin 1.73% 0.00% 0.34%
Net margin (77.04%) (468.43%) 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 SNTG Credit Services median
Revenue growth (TTM) (14.18%) — 4.62%
EPS growth (last fiscal year) (432.61%) 3.57% —
Revenue growth, 5-year CAGR 0.45% (54.66%) 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric CUROQ SNTG Credit Services median
Debt to equity (5.49) 0.00 0.68
Current ratio 9.33 2.14 1.55
Net debt to EBITDA 12.54 0.22 0.13

Dividend

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

Size

Metric CUROQ SNTG Credit Services median
Market cap 5.86m 4.63m 872.19m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack