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Lufax Holding Ltd. Sponsored ADR (LU) vs OppFi Inc. (OPFI)

Lufax Holding Ltd. Sponsored ADR and OppFi Inc. are both Credit Services companies. Lufax Holding Ltd. Sponsored ADR is the larger, with a market value of $740.9M against $491.7M — 1.5× the size. Lufax Holding Ltd. Sponsored ADR has negative trailing earnings, so its P/E is not meaningful; OppFi Inc. trades at 1.7×. OppFi Inc. grew revenue faster over the last twelve months: 0.15% against −22.5%. OppFi Inc. has the higher net margin (28.0% vs −13.3%) and the higher return on invested capital (14.5% vs 9.42%). Neither pays a dividend. Across the 19 metrics below, OppFi Inc. leads on 13 and Lufax Holding Ltd. Sponsored ADR on 6.

Valuation

Metric LU OPFI Credit Services median
P/E n/m 1.67 9.39
P/S 0.19 1.05 0.86
P/B 0.05 0.92 1.16
Price to free cash flow 8.16 0.99 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (70.11%) 59.75% 6.55%
Free cash flow yield 12.26% 101.08% 12.26%

Profitability

Metric LU OPFI Credit Services median
Gross margin 100.00% 86.11% 77.13%
Operating margin 49.67% 48.19% 0.34%
Net margin (13.30%) 27.98% 9.25%
Free cash flow margin 2.34% 105.86% 12.91%
Return on equity (3.83%) 32.19% 8.49%
Return on assets (1.50%) 14.09% 2.16%
Return on invested capital 9.42% 14.52% 4.09%

Growth

Metric LU OPFI Credit Services median
Revenue growth (TTM) (22.46%) 0.15% 4.62%
EPS growth (last fiscal year) 55.84% 175.00% 21.94%
Revenue growth, 5-year CAGR (12.93%) 13.74% 9.13%
Net income growth, 5-year CAGR 0.00% (19.42%) 0.00%

Health

Metric LU OPFI Credit Services median
Debt to equity 0.89 0.67 0.68
Current ratio 1.72 1.85 1.55
Net debt to EBITDA (1.19) 1.06 0.13

Dividend

Metric LU OPFI Credit Services median
Dividend yield 0.00% 0.00% 1.64%
Payout ratio — 0.00 0.22

Size

Metric LU OPFI Credit Services median
Market cap 740.85m 491.65m 751.08m

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