TROOPS, Inc. (TROO) vs X Financial Sponsored ADR (XYF)

TROOPS, Inc. and X Financial Sponsored ADR are both Credit Services companies. TROOPS, Inc. is the larger, with a market value of $219.9M against $119.1M — 1.8× the size. TROOPS, Inc. has negative trailing earnings, so its P/E is not meaningful; X Financial Sponsored ADR trades at 2.4×. X Financial Sponsored ADR grew revenue faster over the last twelve months: −20.1% against −23.0%. X Financial Sponsored ADR has the higher net margin (10.3% vs −115.9%) and the higher return on invested capital (7.47% vs 0.00%). Across the 15 metrics below, X Financial Sponsored ADR leads on 13 and TROOPS, Inc. on 2.

Valuation

Metric TROO XYF Credit Services median
P/E n/m 2.37 9.64
P/S n/m 0.24 0.87
P/B n/m 0.17 1.16
Price to free cash flow n/m 0.34 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales 1.44 (0.04) 2.32
Earnings yield (4.52%) 42.12% 6.72%
Free cash flow yield 0.00% 290.10% 12.33%

Profitability

Metric TROO XYF Credit Services median
Gross margin (10.20%) 65.54% 77.13%
Operating margin 0.00% 13.22% 0.34%
Net margin (115.89%) 10.30% 9.25%
Free cash flow margin 0.00% 0.00% 13.03%
Return on equity 0.00% 7.66% 8.49%
Return on assets 0.00% 4.60% 2.29%
Return on invested capital 0.00% 7.47% 4.09%

Growth

Metric TROO XYF Credit Services median
Revenue growth (TTM) (23.02%) (20.10%) 4.62%
EPS growth (last fiscal year) (76.92%) 16.67% —
Revenue growth, 5-year CAGR 31.83% 26.59% 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric TROO XYF Credit Services median
Debt to equity 0.00 0.05 0.68
Current ratio 0.92 2.06 1.55
Net debt to EBITDA 0.15 (1.05) 0.13

Dividend

Metric TROO XYF Credit Services median
Dividend yield — — 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric TROO XYF Credit Services median
Market cap 219.89m 119.12m 872.19m

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