stockrowNavient Holdings, Inc. (NAVI) vs OppFi Inc. (OPFI)
- Navient Holdings, Inc. NAVI 8.61 −2.38%
- OppFi Inc. OPFI 6.23 −0.64%
Navient Holdings, Inc. and OppFi Inc. are both Credit Services companies. Navient Holdings, Inc. is the larger, with a market value of $827.2M against $534.3M — 1.5× the size. Navient Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; OppFi Inc. trades at 2.7×. OppFi Inc. grew revenue faster over the last twelve months: −6.55% against −21.4%. OppFi Inc. has the higher net margin (26.9% vs −1.67%) and the higher return on invested capital (12.2% vs −0.11%). Only Navient Holdings, Inc. pays a dividend (7.22%). Across the 19 metrics below, OppFi Inc. leads on 13 and Navient Holdings, Inc. on 6.
Valuation
Profitability
| Metric | NAVI | OPFI | Credit Services median |
|---|---|---|---|
| Gross margin | 20.06% | 86.06% | 76.61% |
| Operating margin | 0.00% | 0.00% | 0.34% |
| Net margin | (1.67%) | 26.88% | 8.35% |
| Free cash flow margin | 11.37% | 104.18% | 8.73% |
| Return on equity | (2.02%) | 26.25% | 9.05% |
| Return on assets | (0.10%) | 12.10% | 1.94% |
| Return on invested capital | (0.11%) | 12.24% | 4.56% |
Growth
Health
Dividend
Size
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