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Screener Weekly Summary Pricing

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 $385.8M against $289.8M — 1.3× the size. CPI Card Group Inc. trades at the lower P/E: 20.6× against 21.4×. CPI Card Group Inc. grew revenue faster over the last twelve months: 16.9% against −2.34%. CPI Card Group Inc. has the higher net margin (2.34% vs 2.05%) and the higher return on invested capital (14.8% vs 0.92%). Across the 20 metrics below, CPI Card Group Inc. leads on 11 and Oportun Financial Corporation on 9.

Valuation

Metric OPRT PMTS Credit Services median
P/E 21.38 20.63 9.64
P/S 0.44 0.48 0.87
P/B 1.02 n/m 1.16
Price to free cash flow 1.05 3.71 2.99
EV/EBITDA n/m 6.57 9.58
EV/Sales 2.88 0.91 2.32
Earnings yield 4.68% 4.85% 6.72%
Free cash flow yield 95.62% 26.93% 12.33%

Profitability

Metric OPRT PMTS Credit Services median
Gross margin 78.44% 30.97% 77.13%
Operating margin 0.00% 9.22% 0.34%
Net margin 2.05% 2.34% 9.25%
Free cash flow margin 41.74% 13.03% 13.03%
Return on equity 4.98% (67.92%) 8.49%
Return on assets 0.62% 3.48% 2.29%
Return on invested capital 0.92% 14.77% 4.09%

Growth

Metric OPRT PMTS Credit Services median
Revenue growth (TTM) (2.34%) 16.91% 4.62%
EPS growth (last fiscal year) 127.18% (23.78%) —
Revenue growth, 5-year CAGR 10.39% 11.73% 9.13%
Net income growth, 5-year CAGR 0.00% (1.51%) 0.00%

Health

Metric OPRT PMTS Credit Services median
Debt to equity 6.22 (22.85) 0.68
Current ratio 0.00 2.09 1.55
Net debt to EBITDA 0.00 3.37 0.13

Dividend

Metric OPRT PMTS Credit Services median
Dividend yield — — 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric OPRT PMTS Credit Services median
Market cap 385.83m 289.80m 872.19m

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