stockrowNavient Holdings, Inc. (NAVI) vs World Acceptance Corporation (WRLD)
- Navient Holdings, Inc. NAVI 8.46 −4.08%
- World Acceptance Corporation WRLD 148.69 −0.59%
Navient Holdings, Inc. and World Acceptance Corporation are both Credit Services companies. Navient Holdings, Inc. is the larger, with a market value of $827.2M against $673.1M — 1.2× the size. Navient Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; World Acceptance Corporation trades at 13.9×. World Acceptance Corporation grew revenue faster over the last twelve months: 4.53% against −21.4%. World Acceptance Corporation has the higher net margin (8.35% vs −1.67%) and the lower return on invested capital (−1.31% vs −0.11%). Across the 19 metrics below, World Acceptance Corporation leads on 11 and Navient Holdings, Inc. on 8.
Valuation
Profitability
| Metric | NAVI | WRLD | Credit Services median |
|---|---|---|---|
| Gross margin | 20.06% | 100.00% | 76.61% |
| Operating margin | 0.00% | 18.91% | 0.34% |
| Net margin | (1.67%) | 8.35% | 8.35% |
| Free cash flow margin | 11.37% | 0.00% | 8.73% |
| Return on equity | (2.02%) | 0.00% | 9.05% |
| Return on assets | (0.10%) | 4.64% | 1.94% |
| Return on invested capital | (0.11%) | (1.31%) | 4.56% |
Growth
Health
Dividend
Size
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