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PPDAI Group Inc. Sponsored ADR (FINV) vs Medallion Financial Corp. (MFIN)

PPDAI Group Inc. Sponsored ADR and Medallion Financial Corp. are both Credit Services companies. PPDAI Group Inc. Sponsored ADR is the larger, with a market value of $410.6M against $256.9M — 1.6× the size. PPDAI Group Inc. Sponsored ADR trades at the lower P/E: 2.8× against 8.0×. Medallion Financial Corp. grew revenue faster over the last twelve months: 5.59% against 1.76%. PPDAI Group Inc. Sponsored ADR has the higher net margin (14.6% vs 9.25%) and the higher return on invested capital (14.4% vs 7.06%). Both pay a dividend; PPDAI Group Inc. Sponsored ADR yields more (9.81% vs 4.65%). Across the 20 metrics below, PPDAI Group Inc. Sponsored ADR leads on 15 and Medallion Financial Corp. on 5.

Valuation

Metric FINV MFIN Credit Services median
P/E 2.79 7.99 9.39
P/S 0.38 0.74 0.86
P/B 0.30 0.52 1.16
Price to free cash flow n/m 1.49 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 35.90% 12.51% 6.55%
Free cash flow yield (2.55%) 67.12% 12.26%

Profitability

Metric FINV MFIN Credit Services median
Gross margin 76.61% 70.72% 77.13%
Operating margin 18.04% 0.00% 0.34%
Net margin 14.61% 9.25% 9.25%
Free cash flow margin 3.85% 49.97% 12.91%
Return on equity 11.93% 6.23% 8.49%
Return on assets 7.59% 1.07% 2.16%
Return on invested capital 14.43% 7.06% 4.09%

Growth

Metric FINV MFIN Credit Services median
Revenue growth (TTM) 1.76% 5.59% 4.62%
EPS growth (last fiscal year) 10.48% 17.11% 21.94%
Revenue growth, 5-year CAGR 10.85% 20.51% 9.13%
Net income growth, 5-year CAGR 3.76% 0.00% 0.00%

Health

Metric FINV MFIN Credit Services median
Debt to equity 0.09 0.57 0.68
Current ratio 2.84 1.22 1.55
Net debt to EBITDA (2.62) 0.00 0.13

Dividend

Metric FINV MFIN Credit Services median
Dividend yield 9.81% 4.65% 1.64%
Payout ratio 0.29 0.39 0.22

Size

Metric FINV MFIN Credit Services median
Market cap 410.64m 256.92m 751.08m

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