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Screener Weekly Summary Pricing

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 $385.8M against $280.5M — 1.4× the size. Regional Management Corp. trades at the lower P/E: 6.1× against 21.4×. Regional Management Corp. grew revenue faster over the last twelve months: 9.63% against −2.34%. Regional Management Corp. has the higher net margin (6.98% vs 2.05%) and the higher return on invested capital (4.89% vs 0.92%). Across the 21 metrics below, Regional Management Corp. leads on 19 and Oportun Financial Corporation on 2.

Valuation

Metric OPRT RM Credit Services median
P/E 21.38 6.07 9.64
P/S 0.44 0.41 0.87
P/B 1.02 0.73 1.16
Price to free cash flow 1.05 0.89 2.99
EV/EBITDA n/m 11.73 9.58
EV/Sales 2.88 2.73 2.32
Earnings yield 4.68% 16.48% 6.72%
Free cash flow yield 95.62% 112.25% 12.33%

Profitability

Metric OPRT RM Credit Services median
Gross margin 78.44% 100.00% 77.13%
Operating margin 0.00% 22.53% 0.34%
Net margin 2.05% 6.98% 9.25%
Free cash flow margin 41.74% 46.38% 13.03%
Return on equity 4.98% 12.63% 8.49%
Return on assets 0.62% 2.29% 2.29%
Return on invested capital 0.92% 4.89% 4.09%

Growth

Metric OPRT RM Credit Services median
Revenue growth (TTM) (2.34%) 9.63% 4.62%
EPS growth (last fiscal year) 127.18% 7.49% —
Revenue growth, 5-year CAGR 10.39% 11.54% 9.13%
Net income growth, 5-year CAGR 0.00% 10.69% 0.00%

Health

Metric OPRT RM Credit Services median
Debt to equity 6.22 4.42 0.68
Current ratio 0.00 64.04 1.55
Net debt to EBITDA 0.00 10.79 0.13

Dividend

Metric OPRT RM Credit Services median
Dividend yield — 5.21% 3.34%
Payout ratio 0.00 0.42 0.00

Size

Metric OPRT RM Credit Services median
Market cap 385.83m 280.46m 872.19m

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