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Vroom, Inc. (VRM) vs X Financial Sponsored ADR (XYF)

Vroom, Inc. and X Financial Sponsored ADR are both Credit Services companies. X Financial Sponsored ADR is the larger, with a market value of $116.8M against $46.3M — 2.5× the size. Vroom, Inc. has negative trailing earnings, so its P/E is not meaningful; X Financial Sponsored ADR trades at 2.3×. Vroom, Inc. grew revenue faster over the last twelve months: −7.49% against −20.1%. X Financial Sponsored ADR has the higher net margin (10.3% vs −33.1%) and the higher return on invested capital (7.47% vs −4.90%). Across the 18 metrics below, X Financial Sponsored ADR leads on 13 and Vroom, Inc. on 5.

Valuation

Metric VRM XYF Credit Services median
P/E n/m 2.25 9.39
P/S 0.27 0.23 0.86
P/B 0.47 0.16 1.16
Price to free cash flow 0.66 0.33 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (124.52%) 44.40% 6.55%
Free cash flow yield 152.37% 305.80% 12.26%

Profitability

Metric VRM XYF Credit Services median
Gross margin 100.00% 65.54% 77.13%
Operating margin 16.64% 13.22% 0.34%
Net margin (33.10%) 10.30% 9.25%
Free cash flow margin 40.58% 0.00% 12.91%
Return on equity (45.98%) 7.66% 8.49%
Return on assets (6.02%) 4.60% 2.16%
Return on invested capital (4.90%) 7.47% 4.09%

Growth

Metric VRM XYF Credit Services median
Revenue growth (TTM) (7.49%) (20.10%) 4.62%
EPS growth (last fiscal year) 98.31% 16.67% 21.94%
Revenue growth, 5-year CAGR (33.33%) 26.59% 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric VRM XYF Credit Services median
Debt to equity 5.30 0.05 0.68
Current ratio 0.00 2.06 1.55
Net debt to EBITDA 9.33 (1.05) 0.13

Dividend

Metric VRM XYF Credit Services median
Dividend yield — 11.22% 1.64%
Payout ratio — 0.29 0.22

Size

Metric VRM XYF Credit Services median
Market cap 46.25m 116.84m 751.08m

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