Powerpack

Unlock full stockrow access for only $9.90/month and boost yourself as an investor.

  • Full quarterly history

    Every quarter and TTM period we hold, not just the last 12.

  • Analyst estimates

    Three years of forward estimates and dividend forecasts.

  • Unlimited screener

    All results, unlimited saved screens, email when a screen changes.

  • Unlimited Excel

    Full workbooks and screener exports.

  • Unlimited follows

See Powerpack
Screener Weekly Summary Pricing

PPDAI Group Inc. Sponsored ADR (FINV) vs Regional Management Corp. (RM)

PPDAI Group Inc. Sponsored ADR and Regional Management Corp. are both Credit Services companies. PPDAI Group Inc. Sponsored ADR is the larger, with a market value of $406.7M against $280.5M — 1.5× the size. PPDAI Group Inc. Sponsored ADR trades at the lower P/E: 2.8× against 6.1×. Regional Management Corp. grew revenue faster over the last twelve months: 9.63% against 1.76%. PPDAI Group Inc. Sponsored ADR has the higher net margin (14.6% vs 6.98%) and the higher return on invested capital (14.4% vs 4.89%). Both pay a dividend; Regional Management Corp. yields more (5.21% vs 4.62%). Across the 21 metrics below, PPDAI Group Inc. Sponsored ADR leads on 11 and Regional Management Corp. on 10.

Valuation

Metric FINV RM Credit Services median
P/E 2.78 6.07 9.64
P/S 0.38 0.41 0.87
P/B 0.30 0.73 1.16
Price to free cash flow n/m 0.89 2.99
EV/EBITDA n/m 11.73 9.58
EV/Sales (0.12) 2.73 2.32
Earnings yield 36.01% 16.48% 6.72%
Free cash flow yield (2.56%) 112.25% 12.33%

Profitability

Metric FINV RM Credit Services median
Gross margin 76.61% 100.00% 77.13%
Operating margin 18.04% 22.53% 0.34%
Net margin 14.61% 6.98% 9.25%
Free cash flow margin 3.85% 46.38% 13.03%
Return on equity 11.93% 12.63% 8.49%
Return on assets 7.59% 2.29% 2.29%
Return on invested capital 14.43% 4.89% 4.09%

Growth

Metric FINV RM Credit Services median
Revenue growth (TTM) 1.76% 9.63% 4.62%
EPS growth (last fiscal year) 10.48% 7.49% —
Revenue growth, 5-year CAGR 10.85% 11.54% 9.13%
Net income growth, 5-year CAGR 3.76% 10.69% 0.00%

Health

Metric FINV RM Credit Services median
Debt to equity 0.09 4.42 0.68
Current ratio 2.84 64.04 1.55
Net debt to EBITDA (2.62) 10.79 0.13

Dividend

Metric FINV RM Credit Services median
Dividend yield 4.62% 5.21% 3.34%
Payout ratio 0.18 0.42 0.00

Size

Metric FINV RM Credit Services median
Market cap 406.74m 280.46m 872.19m

Compare with another peer

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