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PPDAI Group Inc. Sponsored ADR (FINV) vs TROOPS, Inc. (TROO)

PPDAI Group Inc. Sponsored ADR and TROOPS, Inc. are both Credit Services companies. PPDAI Group Inc. Sponsored ADR is the larger, with a market value of $376.9M against $212.6M — 1.8× the size. TROOPS, Inc. has negative trailing earnings, so its P/E is not meaningful; PPDAI Group Inc. Sponsored ADR trades at 2.6×. PPDAI Group Inc. Sponsored ADR grew revenue faster over the last twelve months: 1.76% against −23.0%. PPDAI Group Inc. Sponsored ADR has the higher net margin (14.6% vs −115.9%) and the higher return on invested capital (14.4% vs 0.00%). Across the 16 metrics below, PPDAI Group Inc. Sponsored ADR leads on 13 and TROOPS, Inc. on 3.

Valuation

Metric FINV TROO Credit Services median
P/E 2.59 n/m 8.96
P/S 0.35 n/m 1.00
P/B 0.28 n/m 1.23
Price to free cash flow n/m n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 38.62% (4.57%) 7.17%
Free cash flow yield (2.74%) 0.00% 11.75%

Profitability

Metric FINV TROO Credit Services median
Gross margin 76.61% (10.20%) 76.61%
Operating margin 18.04% 0.00% 0.34%
Net margin 14.61% (115.89%) 8.35%
Free cash flow margin 3.85% 0.00% 8.73%
Return on equity 11.93% 0.00% 9.05%
Return on assets 7.59% 0.00% 1.94%
Return on invested capital 14.43% 0.00% 4.56%

Growth

Metric FINV TROO Credit Services median
Revenue growth (TTM) 1.76% (23.02%) 4.49%
EPS growth (last fiscal year) 10.48% (76.92%) 21.94%
Revenue growth, 5-year CAGR 10.85% 31.83% 9.22%
Net income growth, 5-year CAGR 3.76% 0.00% 0.00%

Health

Metric FINV TROO Credit Services median
Debt to equity 0.09 0.00 0.69
Current ratio 2.84 0.92 1.26
Net debt to EBITDA (2.62) 0.15 0.11

Dividend

Metric FINV TROO Credit Services median
Dividend yield 10.55% — 1.64%
Payout ratio 0.29 — 0.21

Size

Metric FINV TROO Credit Services median
Market cap 376.86m 212.56m 759.73m

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