Pricing Log in Create free account

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 $423.5M against $256.9M — 1.6× the size. Medallion Financial Corp. trades at the lower P/E: 8.0× against 22.7×. 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 17 metrics below, Medallion Financial Corp. leads on 12 and Oportun Financial Corporation on 5.

Valuation

Metric MFIN OPRT Credit Services median
P/E 7.99 22.70 9.39
P/S 0.74 0.46 0.86
P/B 0.52 1.08 1.16
Price to free cash flow 1.49 1.11 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.51% 4.41% 6.55%
Free cash flow yield 67.12% 90.04% 12.26%

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% 12.91%
Return on equity 6.23% 4.98% 8.49%
Return on assets 1.07% 0.62% 2.16%
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% 21.94%
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 4.65% — 1.64%
Payout ratio 0.39 — 0.22

Size

Metric MFIN OPRT Credit Services median
Market cap 256.92m 423.54m 751.08m

Compare with another peer

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