Jefferson Capital, Inc. (JCAP) vs Navient Corporation (NAVI)
Jefferson Capital, Inc. and Navient Corporation are both Credit Services companies. Jefferson Capital, Inc. is the larger, with a market value of $1.1B against $872.2M — 1.3× the size. Navient Corporation has negative trailing earnings, so its P/E is not meaningful; Jefferson Capital, Inc. trades at 7.9×. Jefferson Capital, Inc. grew revenue faster over the last twelve months: 26.4% against −21.4%. Jefferson Capital, Inc. has the higher net margin (20.1% vs −1.67%) and the higher return on invested capital (42.0% vs −0.11%). Across the 17 metrics below, Jefferson Capital, Inc. leads on 12 and Navient Corporation on 5.
Valuation
Profitability
| Metric | JCAP | NAVI | Credit Services median |
|---|---|---|---|
| Gross margin | 64.54% | 20.06% | 77.13% |
| Operating margin | 45.82% | 0.00% | 0.34% |
| Net margin | 20.06% | (1.67%) | 9.25% |
| Free cash flow margin | 33.30% | 11.37% | 13.03% |
| Return on equity | 29.83% | (2.02%) | 8.49% |
| Return on assets | 6.87% | (0.10%) | 2.29% |
| Return on invested capital | 41.96% | (0.11%) | 4.09% |
Growth
Health
Dividend
Size
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