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Screener Weekly Summary Pricing

Green Dot Corporation (GDOT) vs OppFi Inc. (OPFI)

Green Dot Corporation and OppFi Inc. are both Credit Services companies. Green Dot Corporation is the larger, with a market value of $728.8M against $531.7M — 1.4× the size. Green Dot Corporation has negative trailing earnings, so its P/E is not meaningful; OppFi Inc. trades at 1.9×. Green Dot Corporation grew revenue faster over the last twelve months: 17.7% against 0.15%. OppFi Inc. has the higher net margin (28.0% vs −1.14%) and the higher return on invested capital (14.5% vs 0.00%). Across the 21 metrics below, OppFi Inc. leads on 12 and Green Dot Corporation on 9.

Valuation

Metric GDOT OPFI Credit Services median
P/E n/m 1.86 9.64
P/S 0.31 1.17 0.87
P/B 0.74 1.02 1.16
Price to free cash flow 8.37 1.10 2.99
EV/EBITDA 1.14 3.34 9.58
EV/Sales 0.05 1.67 2.32
Earnings yield (3.92%) 53.66% 6.72%
Free cash flow yield 11.94% 90.78% 12.33%

Profitability

Metric GDOT OPFI Credit Services median
Gross margin 100.00% 86.11% 77.13%
Operating margin 0.34% 48.19% 0.34%
Net margin (1.14%) 27.98% 9.25%
Free cash flow margin 3.66% 105.86% 13.03%
Return on equity (2.79%) 32.19% 8.49%
Return on assets (0.44%) 14.09% 2.29%
Return on invested capital 0.00% 14.52% 4.09%

Growth

Metric GDOT OPFI Credit Services median
Revenue growth (TTM) 17.73% 0.15% 4.62%
EPS growth (last fiscal year) (258.00%) 175.00% —
Revenue growth, 5-year CAGR 10.66% 13.74% 9.13%
Net income growth, 5-year CAGR 0.00% (19.42%) 0.00%

Health

Metric GDOT OPFI Credit Services median
Debt to equity 0.07 0.67 0.68
Current ratio 0.45 1.85 1.55
Net debt to EBITDA (13.64) 1.06 0.13

Dividend

Metric GDOT OPFI Credit Services median
Dividend yield — — 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric GDOT OPFI Credit Services median
Market cap 728.84m 531.70m 872.19m

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