stockrowJefferson Capital, Inc. (JCAP) vs Navient Holdings, Inc. (NAVI)
- Jefferson Capital, Inc. JCAP 19.72 −5.28%
- Navient Holdings, Inc. NAVI 8.42 −4.54%
Jefferson Capital, Inc. and Navient Holdings, Inc. are both Credit Services companies. Jefferson Capital, Inc. is the larger, with a market value of $1.2B against $827.2M — 1.5× the size. Navient Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Jefferson Capital, Inc. trades at 8.5×. Jefferson Capital, Inc. grew revenue faster over the last twelve months: 26.4% against −21.4%. Jefferson Capital, Inc. has the higher net margin (22.3% vs −1.67%) and the higher return on invested capital (42.0% vs −0.11%). Across the 16 metrics below, Jefferson Capital, Inc. leads on 11 and Navient Holdings, Inc. on 5.
Valuation
Profitability
| Metric | JCAP | NAVI | Credit Services median |
|---|---|---|---|
| Gross margin | 64.54% | 20.06% | 76.61% |
| Operating margin | 45.82% | 0.00% | 0.34% |
| Net margin | 22.32% | (1.67%) | 8.35% |
| Free cash flow margin | 33.30% | 11.37% | 8.73% |
| Return on equity | 33.19% | (2.02%) | 9.05% |
| Return on assets | 7.64% | (0.10%) | 1.94% |
| Return on invested capital | 41.96% | (0.11%) | 4.56% |
Growth
Health
Dividend
Size
Any metric, up to five companies and an Excel export Powerpack