OppFi Inc. (OPFI) vs World Acceptance Corporation (WRLD)
- OppFi Inc. OPFI 5.64 −2.25%
- World Acceptance Corporation WRLD 171.66 −0.41%
OppFi Inc. and World Acceptance Corporation are both Credit Services companies. World Acceptance Corporation is the larger, with a market value of $803.8M against $491.7M — 1.6× the size. OppFi Inc. trades at the lower P/E: 1.7× against 20.3×. World Acceptance Corporation grew revenue faster over the last twelve months: 4.26% against 0.15%. OppFi Inc. has the higher net margin (28.0% vs 6.61%) and the higher return on invested capital (14.5% vs 3.97%). Across the 20 metrics below, OppFi Inc. leads on 16 and World Acceptance Corporation on 4.
Valuation
Profitability
| Metric | OPFI | WRLD | Credit Services median |
|---|---|---|---|
| Gross margin | 86.11% | 100.00% | 77.13% |
| Operating margin | 48.19% | 17.26% | 0.34% |
| Net margin | 27.98% | 6.61% | 9.25% |
| Free cash flow margin | 105.86% | 44.29% | 12.91% |
| Return on equity | 32.19% | 9.90% | 8.49% |
| Return on assets | 14.09% | 3.72% | 2.16% |
| Return on invested capital | 14.52% | 3.97% | 4.09% |
Growth
Health
Dividend
Size
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