Atlantic International (NASDAQ:CIRC – Get Free Report) and Navient (NASDAQ:NAVI – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, profitability, risk, valuation and earnings.
Earnings and Valuation
This table compares Atlantic International and Navient”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Atlantic International | $435.88 million | 0.11 | -$59.43 million | ($2.11) | -0.24 |
| Navient | $3.20 billion | 0.29 | -$80.00 million | ($0.50) | -19.56 |
Analyst Ratings
This is a breakdown of recent recommendations and price targets for Atlantic International and Navient, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Atlantic International | 1 | 1 | 0 | 1 | 2.33 |
| Navient | 4 | 5 | 0 | 0 | 1.56 |
Navient has a consensus price target of $9.14, indicating a potential downside of 6.51%. Given Navient’s higher probable upside, analysts plainly believe Navient is more favorable than Atlantic International.
Profitability
This table compares Atlantic International and Navient’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Atlantic International | -19.39% | N/A | -28.58% |
| Navient | -1.64% | 4.68% | 0.23% |
Risk and Volatility
Atlantic International has a beta of 0.81, meaning that its stock price is 19% less volatile than the S&P 500. Comparatively, Navient has a beta of 1.18, meaning that its stock price is 18% more volatile than the S&P 500.
Insider and Institutional Ownership
97.1% of Navient shares are owned by institutional investors. 13.6% of Atlantic International shares are owned by company insiders. Comparatively, 33.8% of Navient shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
Summary
Navient beats Atlantic International on 10 of the 14 factors compared between the two stocks.
About Atlantic International
Atlantic International Corp., through its subsidiaries, operates as a staffing company servicing the commercial, professional, finance, direct placement, and managed service provider verticals. The company specializes in permanent, temporary, and temporary-to-permanent placement services in various areas, including accounting and finance, administrative and clerical, hospitality, information technology, legal, light industrial, and medical fields. It also provides productivity consulting and workforce management solutions. Atlantic International Corp. was founded in 2018 and is based in Englewood Cliffs, New Jersey.
About Navient
Navient Corporation provides technology-enabled education finance and business processing solutions for education, health care, and government clients in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. It also owns, originates, and services refinance and in-school private education loans; and offers business processing solutions, such as omnichannel contact center, workflow processing, and revenue cycle optimization services to federal agencies, state governments, tolling and parking authorities, other public sector clients, as well as hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments. In addition, the company provides corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.
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