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OppFi Inc. (OPFI) vs Oportun Financial Corporation (OPRT)

OppFi Inc. and Oportun Financial Corporation are both Credit Services companies. OppFi Inc. and Oportun Financial Corporation are of similar size ($534.3M and $533.5M). OppFi Inc. trades at the lower P/E: 2.7× against 15.3×. Oportun Financial Corporation grew revenue faster over the last twelve months: −0.40% against −6.55%. OppFi Inc. has the higher net margin (26.9% vs 3.89%) and the lower return on invested capital (12.2% vs 21.5%). Across the 19 metrics below, OppFi Inc. leads on 11 and Oportun Financial Corporation on 8.

Valuation

Metric OPFI OPRT Credit Services median
P/E 2.72 15.29 8.96
P/S 1.51 0.59 1.00
P/B 1.20 1.30 1.23
Price to free cash flow 1.45 1.36 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 36.74% 6.54% 7.17%
Free cash flow yield 68.82% 73.70% 11.75%

Profitability

Metric OPFI OPRT Credit Services median
Gross margin 86.06% 80.23% 76.61%
Operating margin 0.00% 0.00% 0.34%
Net margin 26.88% 3.89% 8.35%
Free cash flow margin 104.18% 43.52% 8.73%
Return on equity 26.25% 9.11% 9.05%
Return on assets 12.10% 1.16% 1.94%
Return on invested capital 12.24% 21.54% 4.56%

Growth

Metric OPFI OPRT Credit Services median
Revenue growth (TTM) (6.55%) (0.40%) 4.49%
EPS growth (last fiscal year) 175.00% 127.18% 21.94%
Revenue growth, 5-year CAGR 13.74% 10.39% 9.22%
Net income growth, 5-year CAGR (19.42%) 0.00% 0.00%

Health

Metric OPFI OPRT Credit Services median
Debt to equity 0.79 0.00 0.69
Current ratio 1.85 0.00 1.26
Net debt to EBITDA 1.06 0.00 0.11

Dividend

Metric OPFI OPRT Credit Services median
Dividend yield 0.00% — 1.64%
Payout ratio 0.00 — 0.21

Size

Metric OPFI OPRT Credit Services median
Market cap 534.26m 533.45m 759.73m

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