stockrowNavient Holdings, Inc. (NAVI) vs Qfin Holdings Inc. - Sponsored ADR (QFIN)
- Navient Holdings, Inc. NAVI 8.42 −4.54%
- Qfin Holdings Inc. - Sponsored ADR QFIN 5.58 +2.20%
Navient Holdings, Inc. and Qfin Holdings Inc. - Sponsored ADR are both Credit Services companies. Navient Holdings, Inc. is the larger, with a market value of $827.2M against $665.6M — 1.2× the size. Navient Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Qfin Holdings Inc. - Sponsored ADR trades at 1.3×. 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 (22.8% vs 7.22%). Across the 20 metrics below, Qfin Holdings Inc. - Sponsored ADR leads on 19 and Navient Holdings, Inc. on 1.
Valuation
Profitability
| Metric | NAVI | QFIN | Credit Services median |
|---|---|---|---|
| Gross margin | 20.06% | 82.15% | 76.61% |
| Operating margin | 0.00% | 31.53% | 0.34% |
| Net margin | (1.67%) | 22.49% | 8.35% |
| Free cash flow margin | 11.37% | 52.61% | 8.73% |
| Return on equity | (2.02%) | 0.00% | 9.05% |
| Return on assets | (0.10%) | 6.86% | 1.94% |
| Return on invested capital | (0.11%) | 17.05% | 4.56% |
Growth
Health
Dividend
Size
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