CURO Group Holdings Corp. (CUROQ) vs Vroom, Inc. (VRM)

CURO Group Holdings Corp. and Vroom, Inc. are both Credit Services companies. Vroom, Inc. is the larger, with a market value of $51.0M against $5.9M — 8.7× the size. Vroom, Inc. grew revenue faster over the last twelve months: −7.49% against −14.2%. Vroom, Inc. has the higher net margin (−33.1% vs −77.0%) and the lower return on invested capital (−4.90% vs 0.35%). Across the 18 metrics below, Vroom, Inc. leads on 10 and CURO Group Holdings Corp. on 8.

Valuation

Metric CUROQ VRM Credit Services median
P/E n/m n/m 9.64
P/S 0.00 0.29 0.87
P/B n/m 0.50 1.16
Price to free cash flow n/m 0.71 2.99
EV/EBITDA 9.71 19.94 9.58
EV/Sales 3.86 3.87 2.32
Earnings yield (25,100.00%) (115.11%) 6.72%
Free cash flow yield (1,660.95%) 140.86% 12.33%

Profitability

Metric CUROQ VRM Credit Services median
Gross margin 42.47% 100.00% 77.13%
Operating margin 1.73% 16.64% 0.34%
Net margin (77.04%) (33.10%) 9.25%
Free cash flow margin (5.16%) 40.58% 13.03%
Return on equity 299.47% (45.98%) 8.49%
Return on assets (17.99%) (6.02%) 2.29%
Return on invested capital 0.35% (4.90%) 4.09%

Growth

Metric CUROQ VRM Credit Services median
Revenue growth (TTM) (14.18%) (7.49%) 4.62%
EPS growth (last fiscal year) (432.61%) 98.31% —
Revenue growth, 5-year CAGR 0.45% (33.33%) 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric CUROQ VRM Credit Services median
Debt to equity (5.49) 5.30 0.68
Current ratio 9.33 0.00 1.55
Net debt to EBITDA 12.54 9.33 0.13

Dividend

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

Size

Metric CUROQ VRM Credit Services median
Market cap 5.86m 50.96m 872.19m

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