Pricing Log in Create free account

PPDAI Group Inc. Sponsored ADR (FINV) vs Oportun Financial Corporation (OPRT)

PPDAI Group Inc. Sponsored ADR and Oportun Financial Corporation are both Credit Services companies. PPDAI Group Inc. Sponsored ADR and Oportun Financial Corporation are of similar size ($423.5M and $410.6M). PPDAI Group Inc. Sponsored ADR trades at the lower P/E: 2.8× against 22.7×. PPDAI Group Inc. Sponsored ADR grew revenue faster over the last twelve months: 1.76% against −2.34%. PPDAI Group Inc. Sponsored ADR has the higher net margin (14.6% vs 2.05%) and the higher return on invested capital (14.4% vs 0.92%). Across the 19 metrics below, PPDAI Group Inc. Sponsored ADR leads on 15 and Oportun Financial Corporation on 4.

Valuation

Metric FINV OPRT Credit Services median
P/E 2.79 22.70 9.39
P/S 0.38 0.46 0.86
P/B 0.30 1.08 1.16
Price to free cash flow n/m 1.11 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 35.90% 4.41% 6.55%
Free cash flow yield (2.55%) 90.04% 12.26%

Profitability

Metric FINV OPRT Credit Services median
Gross margin 76.61% 78.44% 77.13%
Operating margin 18.04% 0.00% 0.34%
Net margin 14.61% 2.05% 9.25%
Free cash flow margin 3.85% 41.74% 12.91%
Return on equity 11.93% 4.98% 8.49%
Return on assets 7.59% 0.62% 2.16%
Return on invested capital 14.43% 0.92% 4.09%

Growth

Metric FINV OPRT Credit Services median
Revenue growth (TTM) 1.76% (2.34%) 4.62%
EPS growth (last fiscal year) 10.48% 127.18% 21.94%
Revenue growth, 5-year CAGR 10.85% 10.39% 9.13%
Net income growth, 5-year CAGR 3.76% 0.00% 0.00%

Health

Metric FINV OPRT Credit Services median
Debt to equity 0.09 6.22 0.68
Current ratio 2.84 0.00 1.55
Net debt to EBITDA (2.62) 0.00 0.13

Dividend

Metric FINV OPRT Credit Services median
Dividend yield 9.81% — 1.64%
Payout ratio 0.29 — 0.22

Size

Metric FINV OPRT Credit Services median
Market cap 410.64m 423.54m 751.08m

Compare with another peer

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