Consumer Finance Companies By Operating Margin

Operating Margin
Operating MarginEfficiencyMarket RiskExp Return
1NAVI Navient Corp
16.14
 0.04 
 2.17 
 0.09 
2XYF X Financial Class
0.62
(0.34)
 3.76 
(1.27)
3SYF Synchrony Financial
0.53
 0.21 
 1.65 
 0.34 
4MFIN Medallion Financial Corp
0.53
 0.07 
 2.12 
 0.15 
5FINV FinVolution Group
0.52
(0.11)
 3.44 
(0.38)
6SLM SLM Corp
0.51
 0.03 
 2.65 
 0.08 
7QFIN 360 Finance
0.48
(0.13)
 3.83 
(0.52)
8CACC Credit Acceptance
0.47
(0.03)
 2.52 
(0.08)
9YRD Yirendai
0.45
(0.28)
 2.62 
(0.74)
10COF Capital One Financial
0.39
 0.16 
 1.71 
 0.27 
11OMF OneMain Holdings
0.38
 0.22 
 2.01 
 0.44 
12ECPG Encore Capital Group
0.38
 0.20 
 2.66 
 0.54 
13NNI Nelnet Inc
0.35
 0.04 
 1.28 
 0.05 
14PRAA PRA Group
0.31
 0.14 
 3.02 
 0.43 
15JFIN Jiayin Group
0.31
(0.22)
 3.47 
(0.76)
16BFH Bread Financial Holdings
0.3
 0.26 
 2.06 
 0.54 
17ENVA Enova International
0.29
 0.25 
 2.68 
 0.68 
18ATLC Atlanticus Holdings
0.28
 0.13 
 2.91 
 0.37 
19ALLY Ally Financial
0.26
 0.14 
 1.99 
 0.28 
20RM Regional Management Corp
0.26
 0.04 
 2.39 
 0.09 
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.