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OppFi Inc. (OPFI) vs CPI Card Group Inc. (PMTS)

OppFi Inc. and CPI Card Group Inc. are both Credit Services companies. OppFi Inc. is the larger, with a market value of $534.3M against $286.3M — 1.9× the size. OppFi Inc. trades at the lower P/E: 2.7× against 17.1×. CPI Card Group Inc. grew revenue faster over the last twelve months: 17.9% against −6.55%. OppFi Inc. has the higher net margin (26.9% vs 2.71%) and the lower return on invested capital (12.2% vs 15.5%). Across the 19 metrics below, OppFi Inc. leads on 12 and CPI Card Group Inc. on 7.

Valuation

Metric OPFI PMTS Credit Services median
P/E 2.72 17.12 8.96
P/S 1.51 0.47 1.00
P/B 1.20 n/m 1.23
Price to free cash flow 1.45 3.48 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 36.74% 5.84% 7.17%
Free cash flow yield 68.82% 28.71% 11.75%

Profitability

Metric OPFI PMTS Credit Services median
Gross margin 86.06% 31.45% 76.61%
Operating margin 0.00% 9.35% 0.34%
Net margin 26.88% 2.71% 8.35%
Free cash flow margin 104.18% 13.39% 8.73%
Return on equity 26.25% (100.73%) 9.05%
Return on assets 12.10% 4.16% 1.94%
Return on invested capital 12.24% 15.51% 4.56%

Growth

Metric OPFI PMTS Credit Services median
Revenue growth (TTM) (6.55%) 17.87% 4.49%
EPS growth (last fiscal year) 175.00% (23.78%) 21.94%
Revenue growth, 5-year CAGR 13.74% 11.73% 9.22%
Net income growth, 5-year CAGR (19.42%) (1.51%) 0.00%

Health

Metric OPFI PMTS Credit Services median
Debt to equity 0.79 (35.72) 0.69
Current ratio 1.85 2.06 1.26
Net debt to EBITDA 1.06 3.37 0.11

Dividend

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

Size

Metric OPFI PMTS Credit Services median
Market cap 534.26m 286.32m 759.73m

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