Market cap
$321 Mln
Revenue (TTM)
$34 Mln
P/E Ratio
--
P/B Ratio
0.3
Div. Yield
0 %
| Home Point Capital (HMPT) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Enova International (ENVA) | |
|---|---|---|---|---|---|
Market cap ($ Mln) |
321 | 12,865 | 9,771 | 7,098 | 5,911 |
Revenue ($ Mln) |
34 | 15,841 | 4,120 | 6,418 | 3,011 |
Net Profit ($ Mln) |
-373.57 | 1,454.00 | 388.15 | 781.00 | 355.45 |
Net Margin (%) |
-2,888.71 | 9.18 | 9.42 | 12.17 | 11.81 |
RoE (%) |
-69.04 | 9.38 | 16.88 | 23.02 | 25.09 |
Price to Earnings |
-- | 9.95 | 23.42 | 9.31 | 18.90 |
Price-To-Book |
0.29 | 0.97 | 3.84 | 2.18 | 4.23 |
Income Statement ($ Mln)
| Home Point Capital (HMPT) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Operating Revenue
|
33.94 | 9,342.00 | 2,728.94 | 5,091.00 | 1,736.09 |
|
Cost of Revenue
|
425.41 | -1,297.00 | 1,464.36 | 2,294.00 | 734.41 |
|
Gross Profit
|
-1.21 | 102.00 | 1,264.59 | 2,797.00 | 1,001.68 |
|
Operating Expenses
|
101.61 | 4,687.00 | 980.68 | 1,642.00 | 617.69 |
|
Operating Profit (EBIT)
|
-553.01 | 5,611.00 | 283.90 | 1,155.00 | 383.99 |
|
Other Income
|
-21.01 | -- | -- | -- | 4.47 |
|
Profit before Tax
|
-377.95 | 2,342.00 | 323.63 | 1,155.00 | 272.57 |
|
Provision for Tax
|
102.00 | 627.00 | 70.14 | 283.00 | 65.15 |
|
Profit after Tax (Net Income)
|
-373.57 | 1,714.00 | 253.50 | 872.00 | 207.42 |
|
Minority Interest
|
0.00 | -- | -- | -- | -- |
|
Consolidated Profit
|
-309.24 | 1,604.00 | 253.50 | 878.00 | 207.42 |
Liabilities ($ Mln)
| Home Point Capital (HMPT) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Shareholder's Funds
|
470.55 | 12,859.00 | 1,879.77 | 3,029.00 | 1,186.15 |
|
Minority Interest
|
0.00 | -- | -- | -- | -- |
|
Non-Current Liabilities
|
140.22 | 23,428.00 | 1,729.57 | 19,504.00 | 2,396.42 |
|
Current Liabilities
|
410.50 | 155,539.00 | 295.53 | 37,803.00 | 198.32 |
|
Total Liabilities
|
2,438.10 | 191,826.00 | 3,904.87 | 22,533.00 | 3,780.89 |
Assets ($ Mln)
| Home Point Capital (HMPT) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Non-Current Assets
|
6.47 | 159,664.00 | 2,774.21 | 3,498.00 | 473.95 |
|
Current Assets
|
217.58 | 32,162.00 | 1,130.66 | 1,011.00 | 3,306.94 |
|
Total Assets
|
2,438.10 | 191,826.00 | 3,904.87 | 22,533.00 | 3,780.89 |
|
Total Debt*
|
1,716.47 | 20,298.00 | 1,670.76 | 18,281.00 | 2,292.26 |
|
Net Current Assets
|
0.00 | -- | 835.13 | -- | 3,108.62 |
Cashflow ($ Mln)
| Home Point Capital (HMPT) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Cash From Operating Activities
|
3,654.50 | 6,247.00 | 469.31 | 2,387.00 | 894.00 |
|
Cash Flow from Investing Activities
|
771.77 | -17,263.00 | -336.44 | -2,119.00 | -1,666.27 |
|
Cash from Financing Activities
|
-4,525.47 | 11,575.00 | -139.27 | -326.00 | 724.87 |
|
Net Cash Inflow / Outflow
|
-99.20 | 559.00 | -6.41 | -58.00 | -47.41 |
Ratios
Profitability Ratios
| Home Point Capital (HMPT) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
ROCE (%)
|
-3.16 | 4.86 | 7.30 | 4.02 | 6.92 |
|
ROE (%)
|
-69.04 | 11.46 | 13.75 | 23.71 | 18.20 |
|
ROA (%)
|
-9.45 | 0.92 | 6.55 | 3.91 | 6.34 |
|
EBIT Margin (%)
|
-1,629.46 | -- | -- | -- | -- |
|
Net Margin (%)
|
-2,888.71 | 18.35 | 9.29 | 17.13 | 11.92 |
|
Cash Profit Margin (%)
|
0.00 | -- | -- | -- | -- |
Growth Ratios
| Home Point Capital (HMPT) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Revenue Growth (%)
|
-95.63 | 0.05 | 0.61 | 0.02 | 0.44 |
|
EBIT Growth (%)
|
-44.21 | -- | -- | -- | -- |
|
Net Profit Growth (%)
|
-725.40 | -43.99 | 102.94 | -33.64 | -19.07 |
|
EPS Growth (%)
|
-741.56 | -0.36 | 1.11 | -0.29 | -0.07 |
|
Book Value Growth (%)
|
-38.99 | -- | -- | -- | -- |
Valuation Ratios
| Home Point Capital (HMPT) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Price / Earnings
|
-0.86 | 4.32 | 15.95 | 4.66 | 6.04 |
|
Price / Book Value
|
0.31 | 0.58 | 2.15 | 1.34 | 1.06 |
|
Dividend Yield (%)
|
-- | -- | -- | -- | -- |
|
EV/EBITDA
|
-33.02 | -0.54 | 6.57 | 15.05 | 11.29 |
|
Market Cap ($ Cr)
|
-- | -- | -- | -- | -- |
Solvency Ratios
| Home Point Capital (HMPT) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Debt to Equity
|
2.78 | 1.58 | 0.89 | 6.04 | 1.93 |
|
Short term debt to equity ratio
|
0.87 | 0.19 | 0.05 | 6.04 | 0.03 |
|
Current Ratio
|
0.53 | 0.21 | 3.83 | 0.03 | 16.67 |
|
Quick Ratio
|
0.53 | 0.25 | 2.85 | -0.01 | -0.05 |
|
Interest Coverage
|
-0.37 | 1.96 | 5.58 | 1.29 | 2.31 |
Operating Efficiency Ratios
| Home Point Capital (HMPT) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | OneMain Holdings (OMF) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Debtors to sales (%)
|
346.58 | 10.17 | 20.22 | 332.74 | 180.21 |
|
Asset Turnover
|
0.01 | 0.05 | 0.71 | 0.23 | 0.53 |
|
Receivable days
|
171.02 | 32.78 | 76.04 | 1,194.86 | 546.65 |
|
Inventory Days
|
-- | 1,910.59 | 68.80 | 198.15 | 1,144.92 |
|
Payable days
|
143.98 | -148.27 | 6.30 | -- | 16.90 |
|
Cash Conversion Cycle
|
-- | 2,091.64 | 138.54 | -- | 1,674.67 |