Navient Corp (NASDAQ: NAVIV) and FirstCash (NASDAQ:FCFS) are both financials companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, risk, analyst recommendations, profitabiliy, earnings, institutional ownership and valuation.

Analyst Recommendations

This is a summary of recent ratings and target prices for Navient Corp and FirstCash, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Navient Corp 0 0 0 0 N/A
FirstCash 0 2 3 0 2.60

FirstCash has a consensus price target of $53.83, indicating a potential downside of 3.26%. Given FirstCash’s higher possible upside, analysts clearly believe FirstCash is more favorable than Navient Corp.

Profitability

This table compares Navient Corp and FirstCash’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Navient Corp 25.88% 9.61% 0.30%
FirstCash 7.29% 8.92% 6.25%

Valuation and Earnings

This table compares Navient Corp and FirstCash’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Navient Corp N/A N/A N/A N/A N/A
FirstCash $1.35 billion 1.99 $223.52 million $1.97 28.25

FirstCash has higher revenue and earnings than Navient Corp.

Dividends

FirstCash pays an annual dividend of $0.50 per share and has a dividend yield of 0.9%. Navient Corp does not pay a dividend. FirstCash pays out 25.4% of its earnings in the form of a dividend.

Summary

FirstCash beats Navient Corp on 5 of the 8 factors compared between the two stocks.

Navient Corp Company Profile

Navient Corporation provides asset management and business processing services to education, healthcare and government clients at the federal, state and local levels. The Company holds the portfolio of education loans insured or federally guaranteed under the Federal Family Education Loan Program (FFELP). It operates through four segments: FFELP Loans, Private Education Loans, Business Services and Other. It also holds the portfolio of Private Education Loans. It services its own portfolio of education loans, as well as education loans owned by the United States Department of Education (ED), financial institutions and nonprofit education lenders. It also provides business processing services to education-related clients, such as guaranty agencies and colleges and universities. It provides additional business processing services to a range of other clients, including federal agencies, state and local governments, healthcare systems and other healthcare providers and municipalities.

FirstCash Company Profile

FirstCash, Inc., formerly First Cash Financial Services, Inc., is an operator of retail-based pawn stores in the United States and Latin America. The Company’s primary business is the operation of full-service pawn stores, which make small pawn loans secured by personal property, such as consumer electronics, jewelry, power tools, household appliances, sporting goods and musical instruments. The Company’s operates through two segments: the U.S. operations segment and the Latin America operations segment. The U.S. operations segment consists of all pawn and consumer loan operations in the United States and the Latin America operations segment consists of all pawn and consumer loan operations in Latin America, which includes operations in Mexico, Guatemala and El Salvador. In addition, some of the Company’s pawn stores offer small unsecured consumer loans or credit services products. The Company also operates consumer finance stores in Texas and Mexico.

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