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Qfin Holdings Inc. - Sponsored ADR (QFIN) vs World Acceptance Corporation (WRLD)

Qfin Holdings Inc. - Sponsored ADR and World Acceptance Corporation are both Credit Services companies. Qfin Holdings Inc. - Sponsored ADR and World Acceptance Corporation are of similar size ($673.1M and $665.6M). Qfin Holdings Inc. - Sponsored ADR trades at the lower P/E: 1.3× against 13.9×. World Acceptance Corporation grew revenue faster over the last twelve months: 4.53% against −4.44%. Qfin Holdings Inc. - Sponsored ADR has the higher net margin (22.5% vs 8.35%) and the higher return on invested capital (17.1% vs −1.31%). Across the 19 metrics below, Qfin Holdings Inc. - Sponsored ADR leads on 16 and World Acceptance Corporation on 3.

Valuation

Metric QFIN WRLD Credit Services median
P/E 1.28 13.94 8.96
P/S 0.27 1.13 1.00
P/B 0.19 1.86 1.23
Price to free cash flow 0.54 2.61 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 77.94% 7.17% 7.17%
Free cash flow yield 185.22% 38.33% 11.75%

Profitability

Metric QFIN WRLD Credit Services median
Gross margin 82.15% 100.00% 76.61%
Operating margin 31.53% 18.91% 0.34%
Net margin 22.49% 8.35% 8.35%
Free cash flow margin 52.61% 0.00% 8.73%
Return on equity 0.00% 0.00% 9.05%
Return on assets 6.86% 4.64% 1.94%
Return on invested capital 17.05% (1.31%) 4.56%

Growth

Metric QFIN WRLD Credit Services median
Revenue growth (TTM) (4.44%) 4.53% 4.49%
EPS growth (last fiscal year) 11.31% (57.24%) 21.94%
Revenue growth, 5-year CAGR 5.73% 2.08% 9.22%
Net income growth, 5-year CAGR 9.83% (17.09%) 0.00%

Health

Metric QFIN WRLD Credit Services median
Debt to equity 0.12 1.44 0.69
Current ratio 2.17 14.38 1.26
Net debt to EBITDA (1.04) 3.46 0.11

Dividend

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

Size

Metric QFIN WRLD Credit Services median
Market cap 665.63m 673.11m 759.73m

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