Pricing Log in Create free account

Oportun Financial Corporation (OPRT) vs Regional Management Corp. (RM)

Oportun Financial Corporation and Regional Management Corp. are both Credit Services companies. Oportun Financial Corporation is the larger, with a market value of $533.5M against $336.6M — 1.6× the size. Regional Management Corp. trades at the lower P/E: 7.2× against 15.3×. Regional Management Corp. grew revenue faster over the last twelve months: 8.41% against −0.40%. Regional Management Corp. has the higher net margin (6.96% vs 3.89%) and the lower return on invested capital (4.85% vs 21.5%). Across the 20 metrics below, Regional Management Corp. leads on 16 and Oportun Financial Corporation on 4.

Valuation

Metric OPRT RM Credit Services median
P/E 15.29 7.18 8.96
P/S 0.59 0.49 1.00
P/B 1.30 0.88 1.23
Price to free cash flow 1.36 1.10 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.54% 13.92% 7.17%
Free cash flow yield 73.70% 90.86% 11.75%

Profitability

Metric OPRT RM Credit Services median
Gross margin 80.23% 100.00% 76.61%
Operating margin 0.00% 22.54% 0.34%
Net margin 3.89% 6.96% 8.35%
Free cash flow margin 43.52% 44.79% 8.73%
Return on equity 9.11% 12.63% 9.05%
Return on assets 1.16% 2.24% 1.94%
Return on invested capital 21.54% 4.85% 4.56%

Growth

Metric OPRT RM Credit Services median
Revenue growth (TTM) (0.40%) 8.41% 4.49%
EPS growth (last fiscal year) 127.18% 7.49% 21.94%
Revenue growth, 5-year CAGR 10.39% 11.54% 9.22%
Net income growth, 5-year CAGR 0.00% 10.69% 0.00%

Health

Metric OPRT RM Credit Services median
Debt to equity 0.00 4.58 0.69
Current ratio 0.00 60.68 1.26
Net debt to EBITDA 0.00 10.79 0.11

Dividend

Metric OPRT RM Credit Services median
Dividend yield — 3.19% 1.64%
Payout ratio — 0.24 0.21

Size

Metric OPRT RM Credit Services median
Market cap 533.45m 336.60m 759.73m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack