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OppFi Inc. (OPFI) vs Regional Management Corp. (RM)

OppFi Inc. and Regional Management Corp. are both Credit Services companies. OppFi Inc. is the larger, with a market value of $491.7M against $318.0M — 1.5× the size. OppFi Inc. trades at the lower P/E: 1.7× against 6.8×. Regional Management Corp. grew revenue faster over the last twelve months: 9.63% against 0.15%. OppFi Inc. has the higher net margin (28.0% vs 6.98%) and the higher return on invested capital (14.5% vs 4.89%). Only Regional Management Corp. pays a dividend (3.49%). Across the 21 metrics below, OppFi Inc. leads on 14 and Regional Management Corp. on 7.

Valuation

Metric OPFI RM Credit Services median
P/E 1.67 6.77 9.39
P/S 1.05 0.46 0.86
P/B 0.92 0.82 1.16
Price to free cash flow 0.99 0.99 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 59.75% 14.78% 6.55%
Free cash flow yield 101.08% 100.66% 12.26%

Profitability

Metric OPFI RM Credit Services median
Gross margin 86.11% 100.00% 77.13%
Operating margin 48.19% 22.53% 0.34%
Net margin 27.98% 6.98% 9.25%
Free cash flow margin 105.86% 46.38% 12.91%
Return on equity 32.19% 12.63% 8.49%
Return on assets 14.09% 2.29% 2.16%
Return on invested capital 14.52% 4.89% 4.09%

Growth

Metric OPFI RM Credit Services median
Revenue growth (TTM) 0.15% 9.63% 4.62%
EPS growth (last fiscal year) 175.00% 7.49% 21.94%
Revenue growth, 5-year CAGR 13.74% 11.54% 9.13%
Net income growth, 5-year CAGR (19.42%) 10.69% 0.00%

Health

Metric OPFI RM Credit Services median
Debt to equity 0.67 4.42 0.68
Current ratio 1.85 64.04 1.55
Net debt to EBITDA 1.06 10.79 0.13

Dividend

Metric OPFI RM Credit Services median
Dividend yield 0.00% 3.49% 1.64%
Payout ratio 0.00 0.25 0.22

Size

Metric OPFI RM Credit Services median
Market cap 491.65m 318.02m 751.08m

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