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Screener Weekly Summary Pricing

Medallion Financial Corp. (MFIN) vs Oportun Financial Corporation (OPRT)

Medallion Financial Corp. and Oportun Financial Corporation are both Credit Services companies. Oportun Financial Corporation is the larger, with a market value of $385.8M against $271.6M — 1.4× the size. Medallion Financial Corp. trades at the lower P/E: 8.5× against 21.4×. Medallion Financial Corp. grew revenue faster over the last twelve months: 5.59% against −2.34%. Medallion Financial Corp. has the higher net margin (9.25% vs 2.05%) and the higher return on invested capital (7.06% vs 0.92%). Across the 18 metrics below, Medallion Financial Corp. leads on 13 and Oportun Financial Corporation on 5.

Valuation

Metric MFIN OPRT Credit Services median
P/E 8.54 21.38 9.64
P/S 0.80 0.44 0.87
P/B 0.55 1.02 1.16
Price to free cash flow 1.59 1.05 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales 1.03 2.88 2.32
Earnings yield 11.71% 4.68% 6.72%
Free cash flow yield 62.79% 95.62% 12.33%

Profitability

Metric MFIN OPRT Credit Services median
Gross margin 70.72% 78.44% 77.13%
Operating margin 0.00% 0.00% 0.34%
Net margin 9.25% 2.05% 9.25%
Free cash flow margin 49.97% 41.74% 13.03%
Return on equity 6.23% 4.98% 8.49%
Return on assets 1.07% 0.62% 2.29%
Return on invested capital 7.06% 0.92% 4.09%

Growth

Metric MFIN OPRT Credit Services median
Revenue growth (TTM) 5.59% (2.34%) 4.62%
EPS growth (last fiscal year) 17.11% 127.18% —
Revenue growth, 5-year CAGR 20.51% 10.39% 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric MFIN OPRT Credit Services median
Debt to equity 0.57 6.22 0.68
Current ratio 1.22 0.00 1.55
Net debt to EBITDA 0.00 0.00 0.13

Dividend

Metric MFIN OPRT Credit Services median
Dividend yield 3.38% — 3.34%
Payout ratio 0.15 0.00 0.00

Size

Metric MFIN OPRT Credit Services median
Market cap 271.62m 385.83m 872.19m

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