Navient Corporation (NAVI) vs OppFi Inc. (OPFI)
Navient Corporation and OppFi Inc. are both Credit Services companies. Navient Corporation is the larger, with a market value of $872.2M against $531.7M — 1.6× the size. Navient Corporation has negative trailing earnings, so its P/E is not meaningful; OppFi Inc. trades at 1.9×. OppFi Inc. grew revenue faster over the last twelve months: 0.15% against −21.4%. OppFi Inc. has the higher net margin (28.0% vs −1.67%) and the higher return on invested capital (14.5% vs −0.11%). Across the 20 metrics below, OppFi Inc. leads on 15 and Navient Corporation on 5.
Valuation
Profitability
| Metric | NAVI | OPFI | Credit Services median |
|---|---|---|---|
| Gross margin | 20.06% | 86.11% | 77.13% |
| Operating margin | 0.00% | 48.19% | 0.34% |
| Net margin | (1.67%) | 27.98% | 9.25% |
| Free cash flow margin | 11.37% | 105.86% | 13.03% |
| Return on equity | (2.02%) | 32.19% | 8.49% |
| Return on assets | (0.10%) | 14.09% | 2.29% |
| Return on invested capital | (0.11%) | 14.52% | 4.09% |
Growth
Health
Dividend
Size
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