Old Market Capital Corporation (OMCC) vs Vroom, Inc. (VRM)

Old Market Capital Corporation and Vroom, Inc. are both Credit Services companies. Vroom, Inc. is the larger, with a market value of $51.0M against $24.4M — 2.1× the size. Vroom, Inc. grew revenue faster over the last twelve months: −7.49% against −52.8%. Old Market Capital Corporation has the higher net margin (−22.0% vs −33.1%) and the lower return on invested capital (−6.65% vs −4.90%). Across the 18 metrics below, Old Market Capital Corporation leads on 9 and Vroom, Inc. on 9.

Valuation

Metric OMCC VRM Credit Services median
P/E n/m n/m 9.64
P/S 2.31 0.29 0.87
P/B 0.52 0.50 1.16
Price to free cash flow n/m 0.71 2.99
EV/EBITDA n/m 19.94 9.58
EV/Sales 1.04 3.87 2.32
Earnings yield (10.71%) (115.11%) 6.72%
Free cash flow yield (105.49%) 140.86% 12.33%

Profitability

Metric OMCC VRM Credit Services median
Gross margin 87.16% 100.00% 77.13%
Operating margin (33.64%) 16.64% 0.34%
Net margin (22.01%) (33.10%) 9.25%
Free cash flow margin (87.14%) 40.58% 13.03%
Return on equity (4.85%) (45.98%) 8.49%
Return on assets (3.30%) (6.02%) 2.29%
Return on invested capital (6.65%) (4.90%) 4.09%

Growth

Metric OMCC VRM Credit Services median
Revenue growth (TTM) (52.84%) (7.49%) 4.62%
EPS growth (last fiscal year) 73.08% 98.31% —
Revenue growth, 5-year CAGR (31.50%) (33.33%) 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric OMCC VRM Credit Services median
Debt to equity 0.06 5.30 0.68
Current ratio 4.55 0.00 1.55
Net debt to EBITDA 4.95 9.33 0.13

Dividend

Metric OMCC VRM Credit Services median
Dividend yield — — 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric OMCC VRM Credit Services median
Market cap 24.38m 50.96m 872.19m

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