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Lufax Holding Ltd. Sponsored ADR (LU) vs Navient Corporation (NAVI)

Lufax Holding Ltd. Sponsored ADR and Navient Corporation are both Credit Services companies. Navient Corporation is the larger, with a market value of $896.6M against $740.9M — 1.2× the size. Navient Corporation grew revenue faster over the last twelve months: −21.4% against −22.5%. Navient Corporation has the higher net margin (−1.67% vs −13.3%) and the lower return on invested capital (−0.11% vs 9.42%). Only Navient Corporation pays a dividend (6.90%). Across the 19 metrics below, Navient Corporation leads on 11 and Lufax Holding Ltd. Sponsored ADR on 8.

Valuation

Metric LU NAVI Credit Services median
P/E n/m n/m 9.39
P/S 0.19 0.29 0.86
P/B 0.05 0.36 1.16
Price to free cash flow 8.16 2.57 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (70.11%) (5.28%) 6.55%
Free cash flow yield 12.26% 38.98% 12.26%

Profitability

Metric LU NAVI Credit Services median
Gross margin 100.00% 20.06% 77.13%
Operating margin 49.67% 0.00% 0.34%
Net margin (13.30%) (1.67%) 9.25%
Free cash flow margin 2.34% 11.37% 12.91%
Return on equity (3.83%) (2.02%) 8.49%
Return on assets (1.50%) (0.10%) 2.16%
Return on invested capital 9.42% (0.11%) 4.09%

Growth

Metric LU NAVI Credit Services median
Revenue growth (TTM) (22.46%) (21.43%) 4.62%
EPS growth (last fiscal year) 55.84% (168.64%) 21.94%
Revenue growth, 5-year CAGR (12.93%) (3.01%) 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric LU NAVI Credit Services median
Debt to equity 0.89 16.73 0.68
Current ratio 1.72 10.53 1.55
Net debt to EBITDA (1.19) 0.00 0.13

Dividend

Metric LU NAVI Credit Services median
Dividend yield 0.00% 6.90% 1.64%
Payout ratio — — 0.22

Size

Metric LU NAVI Credit Services median
Market cap 740.85m 896.58m 751.08m

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