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PPDAI Group Inc. Sponsored ADR (FINV) vs OppFi Inc. (OPFI)

PPDAI Group Inc. Sponsored ADR and OppFi Inc. are both Credit Services companies. OppFi Inc. is the larger, with a market value of $534.3M against $376.9M — 1.4× the size. PPDAI Group Inc. Sponsored ADR trades at the lower P/E: 2.6× against 2.7×. PPDAI Group Inc. Sponsored ADR grew revenue faster over the last twelve months: 1.76% against −6.55%. OppFi Inc. has the higher net margin (26.9% vs 14.6%) and the lower return on invested capital (12.2% vs 14.4%). Only PPDAI Group Inc. Sponsored ADR pays a dividend (10.6%). Across the 20 metrics below, PPDAI Group Inc. Sponsored ADR leads on 12 and OppFi Inc. on 8.

Valuation

Metric FINV OPFI Credit Services median
P/E 2.59 2.72 8.96
P/S 0.35 1.51 1.00
P/B 0.28 1.20 1.23
Price to free cash flow n/m 1.45 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 38.62% 36.74% 7.17%
Free cash flow yield (2.74%) 68.82% 11.75%

Profitability

Metric FINV OPFI Credit Services median
Gross margin 76.61% 86.06% 76.61%
Operating margin 18.04% 0.00% 0.34%
Net margin 14.61% 26.88% 8.35%
Free cash flow margin 3.85% 104.18% 8.73%
Return on equity 11.93% 26.25% 9.05%
Return on assets 7.59% 12.10% 1.94%
Return on invested capital 14.43% 12.24% 4.56%

Growth

Metric FINV OPFI Credit Services median
Revenue growth (TTM) 1.76% (6.55%) 4.49%
EPS growth (last fiscal year) 10.48% 175.00% 21.94%
Revenue growth, 5-year CAGR 10.85% 13.74% 9.22%
Net income growth, 5-year CAGR 3.76% (19.42%) 0.00%

Health

Metric FINV OPFI Credit Services median
Debt to equity 0.09 0.79 0.69
Current ratio 2.84 1.85 1.26
Net debt to EBITDA (2.62) 1.06 0.11

Dividend

Metric FINV OPFI Credit Services median
Dividend yield 10.55% 0.00% 1.64%
Payout ratio 0.29 0.00 0.21

Size

Metric FINV OPFI Credit Services median
Market cap 376.86m 534.26m 759.73m

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