Atlanticus Holdings Corporation (ATLC) vs Navient Corporation (NAVI)
Atlanticus Holdings Corporation and Navient Corporation are both Credit Services companies. Atlanticus Holdings Corporation is the larger, with a market value of $1.4B against $872.2M — 1.6× the size. Navient Corporation has negative trailing earnings, so its P/E is not meaningful; Atlanticus Holdings Corporation trades at 9.6×. Atlanticus Holdings Corporation grew revenue faster over the last twelve months: 83.7% against −21.4%. Atlanticus Holdings Corporation has the higher net margin (5.46% vs −1.67%) and the higher return on invested capital (17.1% vs −0.11%). Both pay a dividend; Navient Corporation yields more (3.97% vs 1.22%). Across the 19 metrics below, Atlanticus Holdings Corporation leads on 15 and Navient Corporation on 4.
Valuation
Profitability
| Metric | ATLC | NAVI | Credit Services median |
|---|---|---|---|
| Gross margin | 83.16% | 20.06% | 77.13% |
| Operating margin | 0.00% | 0.00% | 0.34% |
| Net margin | 5.46% | (1.67%) | 9.25% |
| Free cash flow margin | 35.30% | 11.37% | 13.03% |
| Return on equity | 23.04% | (2.02%) | 8.49% |
| Return on assets | 2.60% | (0.10%) | 2.29% |
| Return on invested capital | 17.09% | (0.11%) | 4.09% |
Growth
Health
Dividend
Size
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