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Screener Weekly Summary Pricing

OppFi Inc. (OPFI) vs World Acceptance Corporation (WRLD)

OppFi Inc. and World Acceptance Corporation are both Credit Services companies. World Acceptance Corporation is the larger, with a market value of $796.2M against $531.7M — 1.5× the size. OppFi Inc. trades at the lower P/E: 1.9× 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 22 metrics below, OppFi Inc. leads on 18 and World Acceptance Corporation on 4.

Valuation

Metric OPFI WRLD Credit Services median
P/E 1.86 20.33 9.64
P/S 1.17 1.31 0.87
P/B 1.02 2.13 1.16
Price to free cash flow 1.10 2.99 2.99
EV/EBITDA 3.34 9.47 9.58
EV/Sales 1.67 2.05 2.32
Earnings yield 53.66% 4.92% 6.72%
Free cash flow yield 90.78% 33.43% 12.33%

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% 13.03%
Return on equity 32.19% 9.90% 8.49%
Return on assets 14.09% 3.72% 2.29%
Return on invested capital 14.52% 3.97% 4.09%

Growth

Metric OPFI WRLD Credit Services median
Revenue growth (TTM) 0.15% 4.26% 4.62%
EPS growth (last fiscal year) 175.00% (57.24%) —
Revenue growth, 5-year CAGR 13.74% 2.08% 9.13%
Net income growth, 5-year CAGR (19.42%) (17.09%) 0.00%

Health

Metric OPFI WRLD Credit Services median
Debt to equity 0.67 1.29 0.68
Current ratio 1.85 13.49 1.55
Net debt to EBITDA 1.06 3.46 0.13

Dividend

Metric OPFI WRLD Credit Services median
Dividend yield — — 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric OPFI WRLD Credit Services median
Market cap 531.70m 796.24m 872.19m

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