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Lufax Holding Ltd. Sponsored ADR (LU) vs Navient Holdings, Inc. (NAVI)

Lufax Holding Ltd. Sponsored ADR and Navient Holdings, Inc. are both Credit Services companies. Navient Holdings, Inc. is the larger, with a market value of $827.2M against $723.6M — 1.1× the size. Lufax Holding Ltd. Sponsored ADR grew revenue faster over the last twelve months: −10.8% against −21.4%. Navient Holdings, Inc. has the higher net margin (−1.67% vs −16.4%) and the lower return on invested capital (−0.11% vs 9.97%). Only Navient Holdings, Inc. pays a dividend (7.22%). Across the 18 metrics below, Navient Holdings, Inc. leads on 11 and Lufax Holding Ltd. Sponsored ADR on 7.

Valuation

Metric LU NAVI Credit Services median
P/E n/m n/m 8.96
P/S 2.12 0.28 1.00
P/B 0.62 0.35 1.23
Price to free cash flow n/m 2.45 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (51.59%) (5.52%) 7.17%
Free cash flow yield (5.04%) 40.78% 11.75%

Profitability

Metric LU NAVI Credit Services median
Gross margin 100.00% 20.06% 76.61%
Operating margin 55.22% 0.00% 0.34%
Net margin (16.39%) (1.67%) 8.35%
Free cash flow margin (10.12%) 11.37% 8.73%
Return on equity (4.68%) (2.02%) 9.05%
Return on assets (1.88%) (0.10%) 1.94%
Return on invested capital 9.97% (0.11%) 4.56%

Growth

Metric LU NAVI Credit Services median
Revenue growth (TTM) (10.79%) (21.43%) 4.49%
EPS growth (last fiscal year) 55.84% (168.64%) 21.94%
Revenue growth, 5-year CAGR (12.93%) (3.01%) 9.22%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric LU NAVI Credit Services median
Debt to equity 0.99 16.73 0.69
Current ratio 1.69 10.53 1.26
Net debt to EBITDA (1.19) 0.00 0.11

Dividend

Metric LU NAVI Credit Services median
Dividend yield 0.00% 7.22% 1.64%
Payout ratio — — 0.21

Size

Metric LU NAVI Credit Services median
Market cap 723.63m 827.17m 759.73m

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