stockrowAtlanticus Holdings Corporation (ATLC) vs Navient Holdings, Inc. (NAVI)
- Atlanticus Holdings Corporation ATLC 90.70 −5.96%
- Navient Holdings, Inc. NAVI 8.53 −3.29%
Atlanticus Holdings Corporation and Navient Holdings, Inc. are both Credit Services companies. Atlanticus Holdings Corporation is the larger, with a market value of $1.5B against $827.2M — 1.8× the size. Navient Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Atlanticus Holdings Corporation trades at 6.8×. Atlanticus Holdings Corporation grew revenue faster over the last twelve months: 84.8% against −21.4%. Atlanticus Holdings Corporation has the higher net margin (7.33% vs −1.67%) and the higher return on invested capital (22.3% vs −0.11%). Across the 17 metrics below, Atlanticus Holdings Corporation leads on 14 and Navient Holdings, Inc. on 3.
Valuation
Profitability
| Metric | ATLC | NAVI | Credit Services median |
|---|---|---|---|
| Gross margin | 83.32% | 20.06% | 76.61% |
| Operating margin | 0.00% | 0.00% | 0.34% |
| Net margin | 7.33% | (1.67%) | 8.35% |
| Free cash flow margin | 36.90% | 11.37% | 8.73% |
| Return on equity | 30.90% | (2.02%) | 9.05% |
| Return on assets | 2.89% | (0.10%) | 1.94% |
| Return on invested capital | 22.28% | (0.11%) | 4.56% |
Growth
Health
Dividend
Size
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