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Screener Weekly Summary Pricing

Navient Corporation (NAVI) vs Qfin Holdings Inc. - Sponsored ADR (QFIN)

Navient Corporation and Qfin Holdings Inc. - Sponsored ADR are both Credit Services companies. Navient Corporation and Qfin Holdings Inc. - Sponsored ADR are of similar size ($914.3M and $872.2M). Navient Corporation has negative trailing earnings, so its P/E is not meaningful; Qfin Holdings Inc. - Sponsored ADR trades at 1.7×. Qfin Holdings Inc. - Sponsored ADR grew revenue faster over the last twelve months: −4.44% against −21.4%. Qfin Holdings Inc. - Sponsored ADR has the higher net margin (22.5% vs −1.67%) and the higher return on invested capital (17.1% vs −0.11%). Both pay a dividend; Qfin Holdings Inc. - Sponsored ADR yields more (6.99% vs 3.97%). Across the 21 metrics below, Qfin Holdings Inc. - Sponsored ADR leads on 19 and Navient Corporation on 2.

Valuation

Metric NAVI QFIN Credit Services median
P/E n/m 1.72 9.64
P/S 0.29 0.36 0.87
P/B 0.36 0.26 1.16
Price to free cash flow 2.52 0.72 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales 12.99 (0.08) 2.32
Earnings yield (5.37%) 58.08% 6.72%
Free cash flow yield 39.66% 138.03% 12.33%

Profitability

Metric NAVI QFIN Credit Services median
Gross margin 20.06% 82.15% 77.13%
Operating margin 0.00% 31.53% 0.34%
Net margin (1.67%) 22.49% 9.25%
Free cash flow margin 11.37% 52.61% 13.03%
Return on equity (2.02%) 0.00% 8.49%
Return on assets (0.10%) 6.86% 2.29%
Return on invested capital (0.11%) 17.05% 4.09%

Growth

Metric NAVI QFIN Credit Services median
Revenue growth (TTM) (21.43%) (4.44%) 4.62%
EPS growth (last fiscal year) (168.64%) 11.31% —
Revenue growth, 5-year CAGR (3.01%) 5.73% 9.13%
Net income growth, 5-year CAGR 0.00% 9.83% 0.00%

Health

Metric NAVI QFIN Credit Services median
Debt to equity 16.73 0.12 0.68
Current ratio 10.53 2.17 1.55
Net debt to EBITDA 0.00 (1.04) 0.13

Dividend

Metric NAVI QFIN Credit Services median
Dividend yield 3.97% 6.99% 3.34%
Payout ratio 0.21 0.15 0.00

Size

Metric NAVI QFIN Credit Services median
Market cap 872.19m 914.32m 872.19m

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