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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM P/E Multiple | 5.3x - 5.9x | 5.6x |
| Selected Fwd P/E Multiple | 2.1x - 2.4x | 2.2x |
| Fair Value | $5.88 - $6.50 | $6.19 |
| Upside | -33.9% - -27.0% | -30.5% |
| Benchmarks | - | Full Ticker |
| Credit Acceptance Corporation | - | NasdaqGS:CACC |
| Old Market Capital Corporation | - | NasdaqGS:OMCC |
| Enova International, Inc. | - | NYSE:ENVA |
| OppFi Inc. | - | NYSE:OPFI |
| Oportun Financial Corporation | - | NasdaqGS:OPRT |
| Consumer Portfolio Services, Inc. | - | NasdaqGM:CPSS |
| - | - | - |
| Select Price / LTM EPS Ratio | ||||||||
| Benchmark Companies | ||||||||
| CACC | OMCC | ENVA | OPFI | OPRT | CPSS | |||
| NasdaqGS:CACC | NasdaqGS:OMCC | NYSE:ENVA | NYSE:OPFI | NasdaqGS:OPRT | NasdaqGM:CPSS | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | -17.7% | NM- | 10.3% | -26.1% | NM- | 28.9% | ||
| 3Y CAGR | -36.3% | NM- | -6.5% | -34.3% | NM- | -26.1% | ||
| Latest Twelve Months | -13.4% | -12.4% | 35.5% | 822.2% | 56.3% | -57.6% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 42.4% | -19.4% | 26.1% | 23.9% | -6.6% | 19.4% | ||
| Prior Fiscal Year | 31.8% | 10695.6% | 16.9% | -0.4% | -20.5% | 21.1% | ||
| Latest Fiscal Year | 26.7% | -111.0% | 16.9% | 2.6% | -10.3% | 10.4% | ||
| Latest Twelve Months | 26.7% | -92.3% | 17.9% | 2.6% | -10.3% | 10.4% | ||
| Current Trading Multiples | ||||||||
| EV / LTM EBITDA | NA | NA | NA | NA | NA | NA | ||
| Price / LTM Sales | 6.0x | 1.6x | 1.8x | 2.9x | 0.2x | 1.1x | ||
| LTM P/E Ratio | 22.6x | -1.7x | 10.2x | 31.4x | -2.3x | 10.4x | ||
| Low | Mid | High | ||||||
| Benchmark LTM P/E Ratio | -2.3x | 10.2x | 31.4x | |||||
| Historical LTM P/E Ratio | 2.0x | 5.4x | 10.4x | |||||
| Selected P/E Multiple | 5.3x | 5.6x | 5.9x | |||||
| (x) LTM Net Income | 19 | 19 | 19 | |||||
| (=) Equity Value | 103 | 108 | 113 | |||||
| (/) Shares Outstanding | 21.4 | 21.4 | 21.4 | |||||
| Implied Value Range | 4.79 | 5.04 | 5.29 | |||||
| FX Rate: USD/USD | 1.0 | 1.0 | 1.0 | Market Price | ||||
| Implied Value Range (Trading Cur) | 4.79 | 5.04 | 5.29 | 8.90 | ||||
| Upside / (Downside) | -46.2% | -43.4% | -40.5% | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | CACC | OMCC | ENVA | OPFI | OPRT | CPSS | |
| Value of Common Equity | 5,745 | 39 | 2,550 | 230 | 186 | 191 | |
| (/) Shares Outstanding | 11.7 | 6.7 | 25.6 | 24.2 | 36.1 | 21.4 | |
| Implied Stock Price | 488.99 | 5.90 | 99.55 | 9.48 | 5.14 | 8.90 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 488.99 | 5.90 | 99.55 | 9.48 | 5.14 | 8.90 | |
| Trading Currency | USD | USD | USD | USD | USD | USD | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |