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Screener Weekly Summary Pricing

PPDAI Group Inc. Sponsored ADR (FINV) vs Green Dot Corporation (GDOT)

PPDAI Group Inc. Sponsored ADR and Green Dot Corporation are both Credit Services companies. Green Dot Corporation is the larger, with a market value of $728.8M against $406.7M — 1.8× the size. Green Dot Corporation has negative trailing earnings, so its P/E is not meaningful; PPDAI Group Inc. Sponsored ADR trades at 2.8×. Green Dot Corporation grew revenue faster over the last twelve months: 17.7% against 1.76%. PPDAI Group Inc. Sponsored ADR has the higher net margin (14.6% vs −1.14%) and the higher return on invested capital (14.4% vs 0.00%). Across the 19 metrics below, PPDAI Group Inc. Sponsored ADR leads on 13 and Green Dot Corporation on 6.

Valuation

Metric FINV GDOT Credit Services median
P/E 2.78 n/m 9.64
P/S 0.38 0.31 0.87
P/B 0.30 0.74 1.16
Price to free cash flow n/m 8.37 2.99
EV/EBITDA n/m 1.14 9.58
EV/Sales (0.12) 0.05 2.32
Earnings yield 36.01% (3.92%) 6.72%
Free cash flow yield (2.56%) 11.94% 12.33%

Profitability

Metric FINV GDOT Credit Services median
Gross margin 76.61% 100.00% 77.13%
Operating margin 18.04% 0.34% 0.34%
Net margin 14.61% (1.14%) 9.25%
Free cash flow margin 3.85% 3.66% 13.03%
Return on equity 11.93% (2.79%) 8.49%
Return on assets 7.59% (0.44%) 2.29%
Return on invested capital 14.43% 0.00% 4.09%

Growth

Metric FINV GDOT Credit Services median
Revenue growth (TTM) 1.76% 17.73% 4.62%
EPS growth (last fiscal year) 10.48% (258.00%) —
Revenue growth, 5-year CAGR 10.85% 10.66% 9.13%
Net income growth, 5-year CAGR 3.76% 0.00% 0.00%

Health

Metric FINV GDOT Credit Services median
Debt to equity 0.09 0.07 0.68
Current ratio 2.84 0.45 1.55
Net debt to EBITDA (2.62) (13.64) 0.13

Dividend

Metric FINV GDOT Credit Services median
Dividend yield 4.62% — 3.34%
Payout ratio 0.18 0.00 0.00

Size

Metric FINV GDOT Credit Services median
Market cap 406.74m 728.84m 872.19m

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