As the craze of earnings season draws to a close, here’s a look back at some of the most exciting (and some less so) results from Q4. Today, we are looking at consumer finance stocks, starting with Navient (NASDAQ: NAVI).

Consumer finance companies provide loans and credit products to individuals. Growth drivers include increasing consumer spending, financial inclusion initiatives in developing markets, and digital lending platforms reducing distribution costs. Challenges include credit risk during economic downturns, regulatory scrutiny of lending practices, and intensifying competition from traditional banks and fintech firms offering innovative credit solutions.

The 20 consumer finance stocks we track reported a satisfactory Q4. As a group, revenues were in line with analysts’ consensus estimates while next quarter’s revenue guidance was 0.9% below.

Amidst this news, share prices of the companies have had a rough stretch. On average, they are down 11.8% since the latest earnings results.

Weakest Q4: Navient (NASDAQ: NAVI)

Spun off from Sallie Mae in 2014 to handle the company's loan servicing and collection operations, Navient (NASDAQ: NAVI) provides education loan servicing and business processing solutions that help manage federal student loans, private education loans, and government services.

Navient reported revenues of $144 million, down 11.7% year on year. This print fell short of analysts’ expectations by 7.6%. Overall, it was a disappointing quarter for the company with a significant miss of analysts’ net interest income estimates and a significant miss of analysts’ revenue estimates.

Navient delivered the slowest revenue growth of the whole group. Unsurprisingly, the stock is down 31% since reporting and currently trades at $8.30.

Read our full report on Navient here, it’s free.

Best Q4: Atlanticus Holdings (NASDAQ: ATLC)

Using data analytics to serve the millions of Americans with less-than-perfect credit scores, Atlanticus Holdings (NASDAQ: ATLC) provides technology and services that help lenders offer credit products to consumers often overlooked by traditional financing providers.

Atlanticus Holdings reported revenues of $609.2 million, up 97.4% year on year, outperforming analysts’ expectations by 7.1%. The business had an exceptional quarter with a solid beat of analysts’ revenue estimates and a beat of analysts’ EPS estimates.

Atlanticus Holdings scored the biggest analyst estimates beat and fastest revenue growth among its peers. Although it had a fine quarter compared its peers, the market seems unhappy with the results as the stock is down 7.5% since reporting. It currently trades at $49.03.

Is now the time to buy Atlanticus Holdings? Access our full analysis of the earnings results here, it’s free.

Nelnet (NYSE: NNI)

Starting as a student loan servicer in the 1970s and evolving through the changing landscape of education finance, Nelnet (NYSE: NNI) provides student loan servicing, education technology, payment processing, and banking services while managing a portfolio of education loans.

Nelnet reported revenues of $341.5 million, down 8.6% year on year, falling short of analysts’ expectations by 10.6%. It was a softer quarter as it posted a significant miss of analysts’ revenue estimates and a significant miss of analysts’ EPS estimates.

As expected, the stock is down 2.2% since the results and currently trades at $128.49.

Read our full analysis of Nelnet’s results here.

SoFi (NASDAQ: SOFI)

Starting as a student loan refinancing company founded by Stanford business school students in 2011, SoFi Technologies (NASDAQ: SOFI) operates a digital financial platform offering lending, banking, investing, and other financial services to help members borrow, save, spend, invest, and protect their money.

SoFi reported revenues of $1.01 billion, up 37% year on year. This result surpassed analysts’ expectations by 2.7%. Overall, it was a very strong quarter as it also logged full-year EPS guidance exceeding analysts’ expectations and a solid beat of analysts’ EBITDA estimates.

SoFi achieved the highest full-year guidance raise among its peers. The stock is down 27.7% since reporting and currently trades at $17.62.

Read our full, actionable report on SoFi here, it’s free.

Visa (NYSE: V)

Processing over 829 million transactions daily and connecting billions of cards to 150 million merchant locations worldwide, Visa (NYSE: V) operates one of the world's largest electronic payments networks, facilitating secure money movement across more than 200 countries through its VisaNet processing platform.

Visa reported revenues of $10.9 billion, up 14.6% year on year. This print beat analysts’ expectations by 2%. It was a satisfactory quarter as it also produced a decent beat of analysts’ revenue estimates.

The stock is down 6.6% since reporting and currently trades at $309.83.

Read our full, actionable report on Visa here, it’s free.

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