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Overview of Market Industries: Valuation and Profitability


Credit Services


The credit services industry includes companies that extend credit and make loans to individuals and businesses through credit cards, installment loans, student loans, and business loans that are associated with other consumer and business credit instruments.

* Data in this page is the median value and it's updated daily. Sector and industry weightings are calculated using market capitalization which is converted to USD.


Company Comparison

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PE Ratio PE Ratio without NRI Shiller PE Ratio EV-to-EBIT EV-to-EBITDA EV-to-Revenue PS Ratio PB Ratio Price-to-Tangible-Book Price-to-Free-Cash-Flow Price-to-Operating-Cash-Flow Price-to-Median-PS-Value Dividend Yield % Dividend Payout Ratio Gross Margin % Net Margin % Operating Margin % Pre-Tax Margin % ROE % ROA % ROC (Joel Greenblatt) % ROIC % WACC % Altman Z-Score Piotroski F-Score Beneish M-Score Debt-to-Equity Cash-to-Debt Equity-to-Asset Days Sales Outstanding Days Inventory Days Payable Cash Conversion Cycle Forward Rate of Return (Yacktman) % Current Ratio Quick Ratio Interest Coverage Beta 5-Year Revenue Growth Rate 10-Year Revenue Growth Rate
EDEN.France - Edenred SA 47.41 48.43 50.56 28.19 21.83 8.58 7.70 18.46 15.78 1.53 1.49 0.72 90.17 16.25 34.06 26.62 2.59 285.90 4.15 4.02 0.91 4 -2.68 0.65 -0.13 455.94 401.33 969.11 -111.84 13.29 0.94 0.93 8.91 0.82 6.70 4.10
INTRUM.Sweden - Intrum AB 13.78 13.83 23.69 23.35 16.60 5.07 2.12 1.75 4.78 4.41 0.82 3.98 0.51 33.20 15.39 25.85 21.52 13.09 3.13 307.19 4.16 1.17 0.66 7 -2.94 2.42 0.05 0.25 52.36 12.67 52.78 12.25 24.05 0.66 0.63 119.81 0.41 12.90 11.60
HYQ.Germany - Hypoport AG 123.88 128.63 208.56 99.37 53.31 7.64 7.56 13.06 180.87 53.36 2.92 28.79 6.19 7.70 7.96 11.97 5.20 46.19 5.70 3.37 7.11 4 -2.59 No Debt 0.40 56.91 1.70 46.34 12.27 18.93 1.19 1.18 No Debt 0.64 24.10 18.90
MOL.Italy - Gruppo Mutuionline SpA 13.15 13.34 54.58 28.07 22.98 6.60 6.50 7.24 45.77 16.93 16.40 2.07 0.26 0.04 82.74 49.52 24.32 22.98 92.83 31.31 105.97 44.23 7.34 3.69 7 -2.18 0.56 0.93 0.37 135.23 270.59 -135.36 16.51 1.01 1.01 46.56 1.17 17.10 19.40
GLJ.Germany - Grenke AG 17.18 18.09 16.83 49.93 38.64 8.87 1.94 1.09 1.27 3.80 3.64 1.38 2.56 0.43 75.20 13.27 55.57 16.45 6.46 1.29 5.43 4.97 1.32 0.64 6 -2.88 4.68 0.18 0.17 23.47 1.01 72.80 -48.32 16.05 1.62 1.62 42.11 0.98 -18.90 19.70
BFF.Italy - BFF Bank SpA 14.30 14.55 9.51 5.88 2.82 3.05 13.91 12.99 0.22 41.06 55.78 22.00 1.61 4.29 6 -2.38 2.18 0.20 0.08 194.73 N/A 0.81 -27.40
QNBFL.Turkey - QNB Finans Finansal Kiralama AS 76.92 76.92 146.20 196.36 183.54 27.38 17.11 10.36 10.39 36.85 22.21 13.94 29.23 14.17 1.96 1.33 0.99 5.12 1.88 6 -3.00 6.10 0.03 0.13 2028.51 162.99 1865.52 0.12 3.11 3.11 N/A 31.30 27.40
RESURS.Sweden - Resurs Holding AB 9.16 9.15 4.06 2.31 1.06 1.39 3.77 3.68 6.10 25.73 34.72 12.38 2.33 5.26 6 -2.61 0.83 0.03 0.19 N/A 6.20
KRU.Poland - Kruk SA 53.28 53.06 17.99 17.30 14.50 3.95 3.51 1.79 1.85 13.00 12.29 1.23 59.45 6.68 33.00 21.25 3.52 1.49 176.07 6.19 9.16 1.93 5 6.67 1.09 0.75 0.44 9.36 23.79 63.77 -30.62 -3.39 2.10 2.06 20.86 2.27 9.90 17.60
COLL.Sweden - Collector AB 16.56 16.51 81.59 69.36 15.48 2.53 1.33 1.36 23.24 20.33 72.10 15.24 18.97 20.08 8.45 1.06 1.85 0.96 4.57 1.43 6 -2.66 6.87 0.12 0.56 44.30 -43.74 -5.96 52.80 52.80 N/A 16.90
B2H.Norway - B2Holding ASA 12.27 12.25 6.46 1.63 0.80 1.01 1.26 1.24 13.35 17.75 6.67 1.73 6.78 8 -3.07 2.46 0.04 0.28 73.65 N/A 1.93 13.90
ACR.Norway - Axactor SE -29.10 -41.02 5.71 1.10 0.70 0.86 17.31 -13.20 -19.63 -21.06 -7.75 -1.83 -46.96 -2.52 3.75 0.18 2 2.11 0.05 0.31 14.48 209.28 11.29 212.47 0.70 0.35 2.34 103.60
ISFIN.Turkey - Is Finansal Kiralama AS 11.72 11.54 22.99 22.08 4.02 1.41 1.42 1.21 34.75 47.97 14.61 1.88 4.75 5 -2.01 6.54 0.04 0.13 16.55 N/A 23.30 20.00
FIM.Malta - FIMBank PLC 8.45 4.77 0.80 0.83 2.32 2.31 1.33 -120.16 -91.75 -18.18 -2.57 4.73 2 -3.22 1.69 0.64 0.13 -8.33 N/A -11.00 -8.80
BST.Poland - Przedsiebiorstwo Handlowe Best SA 14.83 14.83 11.43 12.72 11.47 3.85 2.09 1.02 1.06 2.54 2.47 82.22 14.16 87.71 19.11 7.21 2.91 18.50 16.58 4.46 1.51 7 -1.43 1.00 0.13 0.45 0.57 60.45 -59.88 -8.44 1.19 1.19 7.86 0.60 12.80 24.80
FRU.Germany - Ferratum Finland Oy 213.76 235.25 21.25 2.89 0.20 0.38 0.74 1.18 1.02 0.88 74.39 0.21 43.01 0.77 0.39 0.07 3.04 6.06 3.10 1.17 5 -3.61 1.43 1.32 0.19 46.27 -46.27 -5.57 2.01 2.01 305.66 1.44 17.70
QLIRO.Sweden - Qliro AB -37.46 147.80 7.35 2.08 1.45 2.02 60.15 -16.26 -15.80 -19.68 -12.56 -2.25 -6.58 -1.94 1.70 0.84 4 -1.31 4.19 0.12 0.18 34.51 54.68 -20.17 8.69 8.69
ALG.Germany - ALBIS Leasing AG 25.56 24.60 24.77 60.30 43.76 11.77 3.03 3.89 19.88 1.04 1.29 0.63 31.75 10.78 17.32 14.96 12.57 1.04 6.60 1.20 1.31 0.27 4 -1.74 11.08 0.03 0.08 27.26 39.21 -11.95 -16.98 0.96 0.96 3.81 0.63 -3.50 28.40
CSQ.Germany - Creditshelf AG -11.54 -14.95 12.56 13.92 16.91 139.41 28.06 -108.69 -109.08 -109.41 -89.94 -52.12 -1515.93 -87.16 5.67 2.42 3 -3.57 0.03 31.53 0.39 84.90 180.27 -95.37 1.11 1.11 212.80
PVT.Czech republic - RMS Mezzanine AS 144.44 36.55 27.66 11.21 0.55 0.55 8.33 -2.14 6.09 -0.11 -0.05 3.52 8 -2.29 0.82 0.03 0.35 3.53 N/A -0.03 21.80
Average 33.19 41.77 30.71 27.02 28.54 10.16 5.07 3.44 11.67 14.71 7.49 0.68 0.80 0.12 38.62 1.22 10.85 6.07 4.89 0.04 -30.57 0.18 4.27 1.23 5 -1.84 2.67 1.93 0.23 146.20 32.49 103.74 74.95 16.44 3.90 3.88 50.51 0.70 23.51 9.16

* All ratios are current value


Historical Key Ratio Charts


* All ratios are median value

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