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OppFi Inc. (OPFI) vs Qfin Holdings Inc. - Sponsored ADR (QFIN)

OppFi Inc. and Qfin Holdings Inc. - Sponsored ADR are both Credit Services companies. Qfin Holdings Inc. - Sponsored ADR is the larger, with a market value of $665.6M against $534.3M — 1.2× the size. Qfin Holdings Inc. - Sponsored ADR trades at the lower P/E: 1.3× against 2.7×. Qfin Holdings Inc. - Sponsored ADR grew revenue faster over the last twelve months: −4.44% against −6.55%. OppFi Inc. has the higher net margin (26.9% vs 22.5%) and the lower return on invested capital (12.2% vs 17.1%). Only Qfin Holdings Inc. - Sponsored ADR pays a dividend (22.8%). Across the 21 metrics below, Qfin Holdings Inc. - Sponsored ADR leads on 14 and OppFi Inc. on 7.

Valuation

Metric OPFI QFIN Credit Services median
P/E 2.72 1.28 8.96
P/S 1.51 0.27 1.00
P/B 1.20 0.19 1.23
Price to free cash flow 1.45 0.54 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 36.74% 77.94% 7.17%
Free cash flow yield 68.82% 185.22% 11.75%

Profitability

Metric OPFI QFIN Credit Services median
Gross margin 86.06% 82.15% 76.61%
Operating margin 0.00% 31.53% 0.34%
Net margin 26.88% 22.49% 8.35%
Free cash flow margin 104.18% 52.61% 8.73%
Return on equity 26.25% 0.00% 9.05%
Return on assets 12.10% 6.86% 1.94%
Return on invested capital 12.24% 17.05% 4.56%

Growth

Metric OPFI QFIN Credit Services median
Revenue growth (TTM) (6.55%) (4.44%) 4.49%
EPS growth (last fiscal year) 175.00% 11.31% 21.94%
Revenue growth, 5-year CAGR 13.74% 5.73% 9.22%
Net income growth, 5-year CAGR (19.42%) 9.83% 0.00%

Health

Metric OPFI QFIN Credit Services median
Debt to equity 0.79 0.12 0.69
Current ratio 1.85 2.17 1.26
Net debt to EBITDA 1.06 (1.04) 0.11

Dividend

Metric OPFI QFIN Credit Services median
Dividend yield 0.00% 22.79% 1.64%
Payout ratio 0.00 0.30 0.21

Size

Metric OPFI QFIN Credit Services median
Market cap 534.26m 665.63m 759.73m

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