Compare $ATLC vs $NAVI | Chartloom

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$ATLC vs $NAVI

Atlanticus Holdings Corp · Navient Corp

ATLC

Atlanticus Holdings Corp

NAVI

Navient Corp

Compare $ATLC vs $NAVI

Comparing Atlanticus Holdings Corp and Navient Corp

ATLCAtlanticus Holdings Corp

NAVINavient Corp

ATLCAtlanticus Holdings Corp

Market cap

$1.42B

P/E (TTM)

12.41x

Forward P/E (NTM)

8.33x

Forward P/S (NTM)

0.43x

Rev growth (TTM)

79.0%

YTD performance

41.3%

52W performance

69.3%

FCF yield

66.1%

NAVINavient Corp

Market cap

$856M

P/E (TTM)

—

Forward P/E (NTM)

10.78x

Forward P/S (NTM)

1.44x

Rev growth (TTM)

-20.8%

YTD performance

-28.7%

52W performance

-26.8%

FCF yield

39.7%

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Relative performance

Each ticker starts at 100. 110 means +10% from the start of this window — not a $110 share price.

ATLC

NAVI

Detailed metrics comparison

ATLC

Atlanticus Holdings Corp

NAVI

Navient Corp

Market Cap

ATLC$1.42B

NAVI$856M

Enterprise Value

ATLC$7.13B

NAVI$44.42B

Price

ATLC$93.73

NAVI$9.11

P/E Ratio

ATLC12.41x

NAVIN/A

P/S Ratio

ATLC1.20x

NAVI1.67x

EV/Sales

ATLC6.03x

NAVI86.43x

EV/EBITDA

ATLC32.38x

NAVI822.76x

P/B Ratio

ATLC1.88x

NAVI0.36x

P/FCF Ratio

ATLC1.51x

NAVI2.52x

EV/FCF

ATLC7.62x

NAVI130.66x

PEG Ratio

ATLC0.33x

NAVIN/A

Forward P/E (NTM)

ATLC8.33x

NAVI10.78x

Forward P/S (NTM)

ATLC0.43x

NAVI1.44x

Revenue (TTM)

ATLC$1.18B

NAVI$514M

Revenue Growth (YoY)

ATLC79.0%

NAVI-20.8%

Forward Rev Growth

ATLC12.9%

NAVI14.4%

Gross Margin (TTM)

ATLC45.6%

NAVI108.8%

Operating Margin (TTM)

ATLC17.2%

NAVI0.0%

EBITDA Margin (TTM)

ATLC18.6%

NAVI-9.1%

Net Margin (TTM)

ATLC12.2%

NAVI-9.5%

FCF Margin (TTM)

ATLC79.1%

NAVI66.1%

Net Income (TTM)

ATLC$145M

NAVI$-49M

FCF (TTM)

ATLC$936M

NAVI$340M

EPS (TTM)

ATLC$7.55

NAVI-$0.52

ROE (TTM)

ATLC22.8%

NAVI-204.0%

ROA (TTM)

ATLC2.1%

NAVI-10.0%

ROIC (TTM)

ATLC2.2%

NAVI-10.0%

Cash

ATLC$555M

NAVI$770M

Debt

ATLC$6.27B

NAVI$44.34B

Net Cash/Debt

ATLC$-5.72B

NAVI$-43.57B

Current Ratio (TTM)

ATLC1.27x

NAVI0.57x

Quick Ratio (TTM)

ATLC1.15x

NAVI0.57x

Debt/Equity (TTM)

ATLC8.45x

NAVI18.49x

Debt/Assets (TTM)

ATLC0.0%

NAVI0.0%

Interest Coverage (TTM)

ATLCN/A

NAVIN/A

Net Debt/EBITDA (TTM)

ATLC0.00x

NAVI0.00x

Beta

ATLC1.79

NAVI1.21

52W Performance

ATLC69.3%

NAVI-26.8%

YTD Performance

ATLC41.3%

NAVI-28.7%

% from 52W High

ATLC-18.0%

NAVI-32.4%

% from 52W Low

ATLC97.3%

NAVI24.3%

Asset Turnover (TTM)

ATLC0.16x

NAVI0.01x

FCF Yield (TTM)

ATLC66.1%

NAVI39.7%

Earnings Yield (TTM)

ATLC10.2%

NAVI-5.7%

Dividend Yield (TTM)

ATLC0.7%

NAVI7.1%

Rule of 40

ATLC158.2

NAVI45.3

EV/GP/RG

ATLC0.07

NAVI5.11

Ticker research

View ATLC research View NAVI research

Metric	ATLC Atlanticus Holdings Corp	NAVI Navient Corp
Market & Valuation
Market Cap	$1.42B	$856M
Enterprise Value	$7.13B	$44.42B
Price	$93.73	$9.11
P/E Ratio	12.41x	N/A
P/S Ratio	1.20x	1.67x
EV/Sales	6.03x	86.43x
EV/EBITDA	32.38x	822.76x
P/B Ratio	1.88x	0.36x
P/FCF Ratio	1.51x	2.52x
EV/FCF	7.62x	130.66x
PEG Ratio	0.33x	N/A
Forward P/E (NTM)	8.33x	10.78x
Forward P/S (NTM)	0.43x	1.44x
Revenue & Growth
Revenue (TTM)	$1.18B	$514M
Revenue Growth (YoY)	79.0%	-20.8%
Forward Rev Growth	12.9%	14.4%
Profitability
Gross Margin (TTM)	45.6%	108.8%
Operating Margin (TTM)	17.2%	0.0%
EBITDA Margin (TTM)	18.6%	-9.1%
Net Margin (TTM)	12.2%	-9.5%
FCF Margin (TTM)	79.1%	66.1%
Net Income (TTM)	$145M	$-49M
FCF (TTM)	$936M	$340M
EPS (TTM)	$7.55	-$0.52
ROE (TTM)	22.8%	-204.0%
ROA (TTM)	2.1%	-10.0%
ROIC (TTM)	2.2%	-10.0%
Financial Health
Cash	$555M	$770M
Debt	$6.27B	$44.34B
Net Cash/Debt	$-5.72B	$-43.57B
Current Ratio (TTM)	1.27x	0.57x
Quick Ratio (TTM)	1.15x	0.57x
Debt/Equity (TTM)	8.45x	18.49x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.79	1.21
52W Performance	69.3%	-26.8%
YTD Performance	41.3%	-28.7%
% from 52W High	-18.0%	-32.4%
% from 52W Low	97.3%	24.3%
Efficiency & Yields
Asset Turnover (TTM)	0.16x	0.01x
FCF Yield (TTM)	66.1%	39.7%
Earnings Yield (TTM)	10.2%	-5.7%
Dividend Yield (TTM)	0.7%	7.1%
Other
Rule of 40	158.2	45.3
EV/GP/RG	0.07	5.11
Ticker research	View ATLC research	View NAVI research

Valuation

P/E Ratio

ATLC

12.41x

P/S Ratio

ATLC

1.20x

NAVI

1.67x

EV/FCF

ATLC

7.62x

NAVI

130.66x

Growth & revenue

Revenue Growth TTM

ATLC

79.0%

NAVI

-20.8%

Forward Revenue Growth

NAVI

14.4%

ATLC

12.9%

Profitability & performance

Gross Margin

NAVI

108.8%

ATLC

45.6%

ROE

ATLC

22.8%

NAVI

-204.0%

FCF Yield %

ATLC

66.1%

NAVI

39.7%

52-Week Performance

ATLC

69.3%

NAVI

-26.8%

Detailed metrics comparison

ATLC

Atlanticus Holdings Corp

NAVI

Navient Corp

Market Cap

ATLC$1.42B

NAVI$856M

Enterprise Value

ATLC$7.13B

NAVI$44.42B

Price

ATLC$93.73

NAVI$9.11

P/E Ratio

ATLC12.41x

NAVIN/A

P/S Ratio

ATLC1.20x

NAVI1.67x

EV/Sales

ATLC6.03x

NAVI86.43x

EV/EBITDA

ATLC32.38x

NAVI822.76x

P/B Ratio

ATLC1.88x

NAVI0.36x

P/FCF Ratio

ATLC1.51x

NAVI2.52x

EV/FCF

ATLC7.62x

NAVI130.66x

PEG Ratio

ATLC0.33x

NAVIN/A

Forward P/E (NTM)

ATLC8.33x

NAVI10.78x

Forward P/S (NTM)

ATLC0.43x

NAVI1.44x

Revenue (TTM)

ATLC$1.18B

NAVI$514M

Revenue Growth (YoY)

ATLC79.0%

NAVI-20.8%

Forward Rev Growth

ATLC12.9%

NAVI14.4%

Gross Margin (TTM)

ATLC45.6%

NAVI108.8%

Operating Margin (TTM)

ATLC17.2%

NAVI0.0%

EBITDA Margin (TTM)

ATLC18.6%

NAVI-9.1%

Net Margin (TTM)

ATLC12.2%

NAVI-9.5%

FCF Margin (TTM)

ATLC79.1%

NAVI66.1%

Net Income (TTM)

ATLC$145M

NAVI$-49M

FCF (TTM)

ATLC$936M

NAVI$340M

EPS (TTM)

ATLC$7.55

NAVI-$0.52

ROE (TTM)

ATLC22.8%

NAVI-204.0%

ROA (TTM)

ATLC2.1%

NAVI-10.0%

ROIC (TTM)

ATLC2.2%

NAVI-10.0%

Cash

ATLC$555M

NAVI$770M

Debt

ATLC$6.27B

NAVI$44.34B

Net Cash/Debt

ATLC$-5.72B

NAVI$-43.57B

Current Ratio (TTM)

ATLC1.27x

NAVI0.57x

Quick Ratio (TTM)

ATLC1.15x

NAVI0.57x

Debt/Equity (TTM)

ATLC8.45x

NAVI18.49x

Debt/Assets (TTM)

ATLC0.0%

NAVI0.0%

Interest Coverage (TTM)

ATLCN/A

NAVIN/A

Net Debt/EBITDA (TTM)

ATLC0.00x

NAVI0.00x

Beta

ATLC1.79

NAVI1.21

52W Performance

ATLC69.3%

NAVI-26.8%

YTD Performance

ATLC41.3%

NAVI-28.7%

% from 52W High

ATLC-18.0%

NAVI-32.4%

% from 52W Low

ATLC97.3%

NAVI24.3%

Asset Turnover (TTM)

ATLC0.16x

NAVI0.01x

FCF Yield (TTM)

ATLC66.1%

NAVI39.7%

Earnings Yield (TTM)

ATLC10.2%

NAVI-5.7%

Dividend Yield (TTM)

ATLC0.7%

NAVI7.1%

Rule of 40

ATLC158.2

NAVI45.3

EV/GP/RG

ATLC0.07

NAVI5.11

Ticker research

View ATLC research View NAVI research

Metric	ATLC Atlanticus Holdings Corp	NAVI Navient Corp
Market & Valuation
Market Cap	$1.42B	$856M
Enterprise Value	$7.13B	$44.42B
Price	$93.73	$9.11
P/E Ratio	12.41x	N/A
P/S Ratio	1.20x	1.67x
EV/Sales	6.03x	86.43x
EV/EBITDA	32.38x	822.76x
P/B Ratio	1.88x	0.36x
P/FCF Ratio	1.51x	2.52x
EV/FCF	7.62x	130.66x
PEG Ratio	0.33x	N/A
Forward P/E (NTM)	8.33x	10.78x
Forward P/S (NTM)	0.43x	1.44x
Revenue & Growth
Revenue (TTM)	$1.18B	$514M
Revenue Growth (YoY)	79.0%	-20.8%
Forward Rev Growth	12.9%	14.4%
Profitability
Gross Margin (TTM)	45.6%	108.8%
Operating Margin (TTM)	17.2%	0.0%
EBITDA Margin (TTM)	18.6%	-9.1%
Net Margin (TTM)	12.2%	-9.5%
FCF Margin (TTM)	79.1%	66.1%
Net Income (TTM)	$145M	$-49M
FCF (TTM)	$936M	$340M
EPS (TTM)	$7.55	-$0.52
ROE (TTM)	22.8%	-204.0%
ROA (TTM)	2.1%	-10.0%
ROIC (TTM)	2.2%	-10.0%
Financial Health
Cash	$555M	$770M
Debt	$6.27B	$44.34B
Net Cash/Debt	$-5.72B	$-43.57B
Current Ratio (TTM)	1.27x	0.57x
Quick Ratio (TTM)	1.15x	0.57x
Debt/Equity (TTM)	8.45x	18.49x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.79	1.21
52W Performance	69.3%	-26.8%
YTD Performance	41.3%	-28.7%
% from 52W High	-18.0%	-32.4%
% from 52W Low	97.3%	24.3%
Efficiency & Yields
Asset Turnover (TTM)	0.16x	0.01x
FCF Yield (TTM)	66.1%	39.7%
Earnings Yield (TTM)	10.2%	-5.7%
Dividend Yield (TTM)	0.7%	7.1%
Other
Rule of 40	158.2	45.3
EV/GP/RG	0.07	5.11
Ticker research	View ATLC research	View NAVI research