stockrowNavient Holdings, Inc. (NAVI) vs Oportun Financial Corporation (OPRT)
- Navient Holdings, Inc. NAVI 8.58 −2.72%
- Oportun Financial Corporation OPRT 11.40 −1.72%
Navient Holdings, Inc. and Oportun Financial Corporation are both Credit Services companies. Navient Holdings, Inc. is the larger, with a market value of $827.2M against $533.5M — 1.6× the size. Navient Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Oportun Financial Corporation trades at 15.3×. Oportun Financial Corporation grew revenue faster over the last twelve months: −0.40% against −21.4%. Oportun Financial Corporation has the higher net margin (3.89% vs −1.67%) and the higher return on invested capital (21.5% vs −0.11%). Across the 16 metrics below, Oportun Financial Corporation leads on 13 and Navient Holdings, Inc. on 3.
Valuation
Profitability
| Metric | NAVI | OPRT | Credit Services median |
|---|---|---|---|
| Gross margin | 20.06% | 80.23% | 76.61% |
| Operating margin | 0.00% | 0.00% | 0.34% |
| Net margin | (1.67%) | 3.89% | 8.35% |
| Free cash flow margin | 11.37% | 43.52% | 8.73% |
| Return on equity | (2.02%) | 9.11% | 9.05% |
| Return on assets | (0.10%) | 1.16% | 1.94% |
| Return on invested capital | (0.11%) | 21.54% | 4.56% |
Growth
Health
Dividend
Size
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