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Oportun Financial Corporation (OPRT) vs Qfin Holdings Inc. - Sponsored ADR (QFIN)

Oportun Financial Corporation and Qfin Holdings Inc. - Sponsored ADR are both Credit Services companies. Qfin Holdings Inc. - Sponsored ADR is the larger, with a market value of $665.6M against $533.5M — 1.2× the size. Qfin Holdings Inc. - Sponsored ADR trades at the lower P/E: 1.3× against 15.3×. Oportun Financial Corporation grew revenue faster over the last twelve months: −0.40% against −4.44%. Qfin Holdings Inc. - Sponsored ADR has the higher net margin (22.5% vs 3.89%) and the lower return on invested capital (17.1% vs 21.5%). Across the 20 metrics below, Qfin Holdings Inc. - Sponsored ADR leads on 14 and Oportun Financial Corporation on 6.

Valuation

Metric OPRT QFIN Credit Services median
P/E 15.29 1.28 8.96
P/S 0.59 0.27 1.00
P/B 1.30 0.19 1.23
Price to free cash flow 1.36 0.54 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.54% 77.94% 7.17%
Free cash flow yield 73.70% 185.22% 11.75%

Profitability

Metric OPRT QFIN Credit Services median
Gross margin 80.23% 82.15% 76.61%
Operating margin 0.00% 31.53% 0.34%
Net margin 3.89% 22.49% 8.35%
Free cash flow margin 43.52% 52.61% 8.73%
Return on equity 9.11% 0.00% 9.05%
Return on assets 1.16% 6.86% 1.94%
Return on invested capital 21.54% 17.05% 4.56%

Growth

Metric OPRT QFIN Credit Services median
Revenue growth (TTM) (0.40%) (4.44%) 4.49%
EPS growth (last fiscal year) 127.18% 11.31% 21.94%
Revenue growth, 5-year CAGR 10.39% 5.73% 9.22%
Net income growth, 5-year CAGR 0.00% 9.83% 0.00%

Health

Metric OPRT QFIN Credit Services median
Debt to equity 0.00 0.12 0.69
Current ratio 0.00 2.17 1.26
Net debt to EBITDA 0.00 (1.04) 0.11

Dividend

Metric OPRT QFIN Credit Services median
Dividend yield — 22.79% 1.64%
Payout ratio — 0.30 0.21

Size

Metric OPRT QFIN Credit Services median
Market cap 533.45m 665.63m 759.73m

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