stockrowVroom, Inc. (VRM) vs X Financial Sponsored ADR (XYF)
- Vroom, Inc. VRM 6.48 −2.85%
- X Financial Sponsored ADR XYF 5.74 +22.13%
Vroom, Inc. and X Financial Sponsored ADR are both Credit Services companies. X Financial Sponsored ADR is the larger, with a market value of $107.3M against $34.9M — 3.1× the size. Vroom, Inc. has negative trailing earnings, so its P/E is not meaningful; X Financial Sponsored ADR trades at 2.7×. 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 12 and Vroom, Inc. on 6.
Valuation
Profitability
| Metric | VRM | XYF | Credit Services median |
|---|---|---|---|
| Gross margin | 100.00% | 65.54% | 77.36% |
| Operating margin | 16.64% | 13.22% | 0.34% |
| Net margin | (33.10%) | 10.30% | 8.35% |
| Free cash flow margin | 40.58% | 0.00% | 8.73% |
| Return on equity | (45.98%) | 7.66% | 7.66% |
| Return on assets | (6.02%) | 4.60% | 1.94% |
| Return on invested capital | (4.90%) | 7.47% | 4.85% |
Growth
Health
Dividend
Size
Any metric, up to five companies and an Excel export Powerpack