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Screener Weekly Summary Pricing

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 $914.3M against $531.7M — 1.7× the size. Qfin Holdings Inc. - Sponsored ADR trades at the lower P/E: 1.7× against 1.9×. OppFi Inc. grew revenue faster over the last twelve months: 0.15% against −4.44%. OppFi Inc. has the higher net margin (28.0% vs 22.5%) and the lower return on invested capital (14.5% vs 17.1%). Across the 21 metrics below, Qfin Holdings Inc. - Sponsored ADR leads on 12 and OppFi Inc. on 9.

Valuation

Metric OPFI QFIN Credit Services median
P/E 1.86 1.72 9.64
P/S 1.17 0.36 0.87
P/B 1.02 0.26 1.16
Price to free cash flow 1.10 0.72 2.99
EV/EBITDA 3.34 n/m 9.58
EV/Sales 1.67 (0.08) 2.32
Earnings yield 53.66% 58.08% 6.72%
Free cash flow yield 90.78% 138.03% 12.33%

Profitability

Metric OPFI QFIN Credit Services median
Gross margin 86.11% 82.15% 77.13%
Operating margin 48.19% 31.53% 0.34%
Net margin 27.98% 22.49% 9.25%
Free cash flow margin 105.86% 52.61% 13.03%
Return on equity 32.19% 0.00% 8.49%
Return on assets 14.09% 6.86% 2.29%
Return on invested capital 14.52% 17.05% 4.09%

Growth

Metric OPFI QFIN Credit Services median
Revenue growth (TTM) 0.15% (4.44%) 4.62%
EPS growth (last fiscal year) 175.00% 11.31% —
Revenue growth, 5-year CAGR 13.74% 5.73% 9.13%
Net income growth, 5-year CAGR (19.42%) 9.83% 0.00%

Health

Metric OPFI QFIN Credit Services median
Debt to equity 0.67 0.12 0.68
Current ratio 1.85 2.17 1.55
Net debt to EBITDA 1.06 (1.04) 0.13

Dividend

Metric OPFI QFIN Credit Services median
Dividend yield — 6.99% 3.34%
Payout ratio 0.00 0.15 0.00

Size

Metric OPFI QFIN Credit Services median
Market cap 531.70m 914.32m 872.19m

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