OppFi [OPFI] vs Navient [NAVI] Detailed Stock Comparison
OppFi
NYSE
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Navient
NASDAQ
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TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: OppFi wins in 9 metrics, Navient wins in 9 metrics, with 0 ties. Both stocks appear equally matched on key metrics.
View Metrics Details
Vital Metrics Comparison
| Metric | OppFi | Navient | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 34.89 | 41.53 | OppFi |
| Price-to-Book Ratio | 22.63 | 0.52 | Navient |
| Debt-to-Equity Ratio | 146.20 | 1,839.94 | OppFi |
| PEG Ratio | -0.06 | -0.74 | Navient |
| EV/EBITDA | 2.48 | N/A | N/A |
| Profit Margin (TTM) | -10.44% | 5.65% | Navient |
| Operating Margin (TTM) | 49.49% | 15.13% | OppFi |
| EBITDA Margin (TTM) | 49.49% | 15.13% | OppFi |
| Return on Equity | 37.15% | 1.24% | OppFi |
| Return on Assets (TTM) | 12.50% | 0.06% | OppFi |
| Free Cash Flow (TTM) | $310.80M | $459.00M | Navient |
| Dividend Yield | 1.99% | 6.19% | Navient |
| 1-Year Return | 123.62% | -18.14% | OppFi |
| Price-to-Sales Ratio (TTM) | 2.95 | 2.26 | Navient |
| Enterprise Value | $784.81M | $47.74B | Navient |
| EV/Revenue Ratio | 2.45 | 81.74 | OppFi |
| Gross Profit Margin (TTM) | 80.77% | N/A | N/A |
| Revenue per Share (TTM) | $14 | $6 | OppFi |
| Earnings per Share (Diluted) | $-1.36 | $0.32 | Navient |
| Beta (Stock Volatility) | 1.73 | 1.35 | Navient |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
OppFi vs Navient Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| OppFi | -3.04% | -11.75% | 0.38% | -26.14% | 28.80% | 30.07% |
| Navient | -3.24% | -1.76% | -5.51% | -17.41% | 16.49% | -1.53% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| OppFi | 123.62% | 425.50% | 6.70% | 6.70% | 6.70% | 6.70% |
| Navient | -18.14% | -13.05% | 31.36% | 4.89% | -24.31% | -24.31% |
News Based Sentiment: OppFi vs Navient
OppFi
News based Sentiment: POSITIVE
OppFi had a very positive month with a new credit facility, strong earnings, and a share repurchase program increase. While there was some insider selling, it was pre-planned. Overall, the developments suggest a healthy and growing company.
Navient
News based Sentiment: MIXED
October brought a mix of developments for Navient, including an index reclassification, analyst maintenance, and shifting institutional holdings. While credit ratings for a loan trust were positive, the overall picture is one of transition and cautious optimism, making it a moderately significant month for investors.
Performance & Financial Health Analysis: OppFi vs Navient
| Metric | OPFI | NAVI |
|---|---|---|
| Market Information | ||
| Market Cap | $639.00M | $1.32B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 903,480 | 880,610 |
| 90 Day Avg. Volume | 946,513 | 871,510 |
| Last Close | $10.51 | $12.86 |
| 52 Week Range | $4.41 - $17.73 | $10.53 - $16.15 |
| % from 52W High | -40.72% | -20.37% |
| All-Time High | $17.73 (Feb 03, 2025) | $23.80 (Sep 13, 2021) |
| % from All-Time High | -40.72% | -45.97% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.20% | -0.49% |
| Quarterly Earnings Growth | 0.13% | -0.61% |
| Financial Health | ||
| Profit Margin (TTM) | -0.10% | 0.06% |
| Operating Margin (TTM) | 0.49% | 0.15% |
| Return on Equity (TTM) | 0.37% | 0.01% |
| Debt to Equity (MRQ) | 146.20 | 1,839.94 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $0.48 | $25.79 |
| Cash per Share (MRQ) | $1.60 | $7.63 |
| Operating Cash Flow (TTM) | $351.43M | $195.00M |
| Levered Free Cash Flow (TTM) | $464.46M | $131.00M |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.99% | 6.19% |
| Last 12-Month Dividend | $0.25 | $0.80 |
Valuation & Enterprise Metrics Analysis: OppFi vs Navient
| Metric | OPFI | NAVI |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 34.89 | 41.53 |
| Forward P/E | 12.18 | 8.98 |
| PEG Ratio | -0.06 | -0.74 |
| Price to Sales (TTM) | 2.95 | 2.26 |
| Price to Book (MRQ) | 22.63 | 0.52 |
| Market Capitalization | ||
| Market Capitalization | $639.00M | $1.32B |
| Enterprise Value | $784.81M | $47.74B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.45 | 81.74 |
| Enterprise to EBITDA | 2.48 | N/A |
| Risk & Other Metrics | ||
| Beta | 1.73 | 1.35 |
| Book Value per Share (MRQ) | $0.48 | $25.79 |
Financial Statements Comparison: OppFi vs Navient
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | OPFI | NAVI |
|---|---|---|
| Revenue/Sales | $142.44M | $156.00M |
| Cost of Goods Sold | $27.39M | N/A |
| Gross Profit | $115.05M | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | $87.01M | N/A |
| EBITDA | $121.81M | N/A |
| Pre-Tax Income | $12.70M | $18.00M |
| Income Tax | $1.22M | $4.00M |
| Net Income (Profit) | $11.48M | $14.00M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | OPFI | NAVI |
|---|---|---|
| Cash & Equivalents | $57.95M | $642.00M |
| Total Current Assets | $550.64M | N/A |
| Total Current Liabilities | $65.75M | N/A |
| Long-Term Debt | $300.84M | $43.25B |
| Total Shareholders Equity | $236.76M | $2.59B |
| Retained Earnings | $-72.17M | $4.68B |
| Property, Plant & Equipment | $81.91M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | OPFI | NAVI |
|---|---|---|
| Operating Cash Flow | $69.15M | $-12.00M |
| Capital Expenditures | $-4.39M | N/A |
| Free Cash Flow | $79.35M | $71.00M |
| Debt Repayment | $-30.83M | $-1.27B |
| Common Stock Repurchase | N/A | $-35.00M |
Short Interest & Institutional Ownership Analysis
| Metric | OPFI | NAVI |
|---|---|---|
| Shares Short | 5.09M | 7.34M |
| Short Ratio | 5.17 | 9.68 |
| Short % of Float | 0.18% | 0.30% |
| Average Daily Volume (10 Day) | 903,480 | 880,610 |
| Average Daily Volume (90 Day) | 946,513 | 871,510 |
| Shares Outstanding | 22.04M | 103.03M |
| Float Shares | 26.77M | 67.85M |
| % Held by Insiders | 0.06% | 0.03% |
| % Held by Institutions | 0.56% | 1.04% |
Dividend Analysis & Yield Comparison: OppFi vs Navient
| Metric | OPFI | NAVI |
|---|---|---|
| Last 12-Month Dividend | $0.25 | $0.80 |
| Last 12-Month Dividend Yield | 1.99% | 6.19% |
| 3-Year Avg Annual Dividend | $0.12 | $0.69 |
| 3-Year Avg Dividend Yield | 3.48% | 1.04% |
| 3-Year Total Dividends | $0.37 | $2.08 |
| Ex-Dividend Date | Apr 08, 2025 | Sep 05, 2025 |