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Oportun Financial Corporation (OPRT) vs World Acceptance Corporation (WRLD)

Oportun Financial Corporation and World Acceptance Corporation are both Credit Services companies. World Acceptance Corporation is the larger, with a market value of $673.1M against $533.5M — 1.3× the size. World Acceptance Corporation trades at the lower P/E: 13.9× against 15.3×. World Acceptance Corporation grew revenue faster over the last twelve months: 4.53% against −0.40%. World Acceptance Corporation has the higher net margin (8.35% vs 3.89%) and the lower return on invested capital (−1.31% vs 21.5%). Across the 20 metrics below, Oportun Financial Corporation leads on 12 and World Acceptance Corporation on 8.

Valuation

Metric OPRT WRLD Credit Services median
P/E 15.29 13.94 8.96
P/S 0.59 1.13 1.00
P/B 1.30 1.86 1.23
Price to free cash flow 1.36 2.61 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.54% 7.17% 7.17%
Free cash flow yield 73.70% 38.33% 11.75%

Profitability

Metric OPRT WRLD Credit Services median
Gross margin 80.23% 100.00% 76.61%
Operating margin 0.00% 18.91% 0.34%
Net margin 3.89% 8.35% 8.35%
Free cash flow margin 43.52% 0.00% 8.73%
Return on equity 9.11% 0.00% 9.05%
Return on assets 1.16% 4.64% 1.94%
Return on invested capital 21.54% (1.31%) 4.56%

Growth

Metric OPRT WRLD Credit Services median
Revenue growth (TTM) (0.40%) 4.53% 4.49%
EPS growth (last fiscal year) 127.18% (57.24%) 21.94%
Revenue growth, 5-year CAGR 10.39% 2.08% 9.22%
Net income growth, 5-year CAGR 0.00% (17.09%) 0.00%

Health

Metric OPRT WRLD Credit Services median
Debt to equity 0.00 1.44 0.69
Current ratio 0.00 14.38 1.26
Net debt to EBITDA 0.00 3.46 0.11

Dividend

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

Size

Metric OPRT WRLD Credit Services median
Market cap 533.45m 673.11m 759.73m

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