Consumer Finance Companies By Operating Margin

Operating Margin
Operating MarginEfficiencyMarket RiskExp Return
1KSPI Joint Stock
0.76
(0.07)
 1.88 
(0.13)
2XYF X Financial Class
0.59
 0.11 
 3.66 
 0.41 
3FINV FinVolution Group
0.55
 0.23 
 2.11 
 0.49 
4MFIN Medallion Financial Corp
0.49
 0.01 
 2.08 
 0.01 
5YRD Yirendai
0.48
 0.03 
 4.55 
 0.12 
6SYF Synchrony Financial
0.46
 0.14 
 3.00 
 0.42 
7QFIN 360 Finance
0.43
 0.15 
 3.13 
 0.48 
8CACC Credit Acceptance
0.42
 0.20 
 1.83 
 0.36 
9ATLC Atlanticus Holdings
0.37
 0.29 
 2.89 
 0.84 
10DFS Discover Financial Services
0.34
 0.17 
 3.11 
 0.54 
11PRAA PRA Group
0.32
 0.04 
 3.09 
 0.11 
12OMF OneMain Holdings
0.32
 0.17 
 1.64 
 0.28 
13COF Capital One Financial
0.3
 0.16 
 2.50 
 0.41 
14WRLD World Acceptance
0.29
 0.14 
 3.07 
 0.42 
15ECPG Encore Capital Group
0.29
 0.09 
 1.61 
 0.15 
16ENVA Enova International
0.24
 0.21 
 2.25 
 0.46 
17AXP American Express
0.21
 0.17 
 1.69 
 0.28 
18RM Regional Management Corp
0.21
 0.18 
 2.67 
 0.48 
19LX Lexinfintech Holdings
0.18
 0.31 
 5.71 
 1.75 
20PRG PROG Holdings
0.16
 0.00 
 2.15 
 0.00 
The analysis above is based on a 90-day investment horizon and a default level of risk. Use the Portfolio Analyzer to fine-tune all your assumptions. Check your current assumptions here.
Operating Margin shows how much operating income a company makes on each dollar of sales. It is one of the profitability indicators which helps analysts to understand whether the firm is successful or not making money from everyday operations. A good Operating Margin is required for a company to be able to pay for its fixed costs or payout its debt, which implies that the higher the margin, the better. This ratio is most effective in evaluating the earning potential of a company over time when comparing it against a firm's competitors.