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Oportun Financial Corporation (OPRT) vs CPI Card Group Inc. (PMTS)

Oportun Financial Corporation and CPI Card Group Inc. are both Credit Services companies. Oportun Financial Corporation is the larger, with a market value of $533.5M against $286.3M — 1.9× the size. Oportun Financial Corporation trades at the lower P/E: 15.3× against 17.1×. CPI Card Group Inc. grew revenue faster over the last twelve months: 17.9% against −0.40%. Oportun Financial Corporation has the higher net margin (3.89% vs 2.71%) and the higher return on invested capital (21.5% vs 15.5%). Across the 19 metrics below, Oportun Financial Corporation leads on 12 and CPI Card Group Inc. on 7.

Valuation

Metric OPRT PMTS Credit Services median
P/E 15.29 17.12 8.96
P/S 0.59 0.47 1.00
P/B 1.30 n/m 1.23
Price to free cash flow 1.36 3.48 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.54% 5.84% 7.17%
Free cash flow yield 73.70% 28.71% 11.75%

Profitability

Metric OPRT PMTS Credit Services median
Gross margin 80.23% 31.45% 76.61%
Operating margin 0.00% 9.35% 0.34%
Net margin 3.89% 2.71% 8.35%
Free cash flow margin 43.52% 13.39% 8.73%
Return on equity 9.11% (100.73%) 9.05%
Return on assets 1.16% 4.16% 1.94%
Return on invested capital 21.54% 15.51% 4.56%

Growth

Metric OPRT PMTS Credit Services median
Revenue growth (TTM) (0.40%) 17.87% 4.49%
EPS growth (last fiscal year) 127.18% (23.78%) 21.94%
Revenue growth, 5-year CAGR 10.39% 11.73% 9.22%
Net income growth, 5-year CAGR 0.00% (1.51%) 0.00%

Health

Metric OPRT PMTS Credit Services median
Debt to equity 0.00 (35.72) 0.69
Current ratio 0.00 2.06 1.26
Net debt to EBITDA 0.00 3.37 0.11

Dividend

Metric OPRT PMTS Credit Services median
Dividend yield — — 1.64%
Payout ratio — — 0.21

Size

Metric OPRT PMTS Credit Services median
Market cap 533.45m 286.32m 759.73m

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