TheStreet Ratings' stock model projects a stock's total return potential over a 12-month period including both price appreciation and dividends. Our Buy, Hold or Sell ratings designate how we expect these stocks to perform against a general benchmark of the equities market and interest rates.

While plenty of high-yield opportunities exist, investors must always consider the safety of their dividend and the total return potential of their investment. It is not uncommon for a struggling company to suspend high-yielding dividends which could subsequently result in precipitous share price declines.

TheStreet Ratings' stock rating model views dividends favorably, but not so much that other factors are disregarded. Our model gauges the relationship between risk and reward in several ways, including: the pricing drawdown as compared to potential profit volatility, i.e. how much one is willing to risk in order to earn profits?; the level of acceptable volatility for highly performing stocks; the current valuation as compared to projected earnings growth; and the financial strength of the underlying company as compared to its stock's valuation as compared to its stock's performance.

These and many more derived observations are then combined, ranked, weighted, and scenario-tested to create a more complete analysis. The result is a systematic and disciplined method of selecting stocks. As always, stock ratings should not be treated as gospel — rather, use them as a starting point for your own research.

The following pages contain our analysis of 3 stocks with substantial yields, that ultimately, we have rated "Hold."

National American University Holdings

Dividend Yield: 7.10%

National American University Holdings

(NASDAQ:

NAUH

) shares currently have a dividend yield of 7.10%.

National American University Holdings, Inc. owns and operates National American University (NAU) that provides postsecondary education services primarily for working adults and other non-traditional students in the United States. The company operates through two segments, NAU and Other. The company has a P/E ratio of 19.46.

The average volume for National American University Holdings has been 14,200 shares per day over the past 30 days. National American University Holdings has a market cap of $63.7 million and is part of the diversified services industry. Shares are down 6.3% year-to-date as of the close of trading on Thursday.

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TheStreet Ratings rates

National American University Holdings

as a

hold

. The company's strengths can be seen in multiple areas, such as its largely solid financial position with reasonable debt levels by most measures, reasonable valuation levels and expanding profit margins. However, as a counter to these strengths, we also find weaknesses including disappointing return on equity, weak operating cash flow and a generally disappointing performance in the stock itself.

Highlights from the ratings report include:

  • NAUH's debt-to-equity ratio is very low at 0.24 and is currently below that of the industry average, implying that there has been very successful management of debt levels. Along with this, the company maintains a quick ratio of 3.65, which clearly demonstrates the ability to cover short-term cash needs.
  • The gross profit margin for NATIONAL AMERN UNIV HLDG INC is currently very high, coming in at 75.09%. Regardless of NAUH's high profit margin, it has managed to decrease from the same period last year.
  • Net operating cash flow has decreased to $8.32 million or 47.26% when compared to the same quarter last year. Despite a decrease in cash flow of 47.26%, NATIONAL AMERN UNIV HLDG INC is still significantly exceeding the industry average of -452.50%.
  • The company's current return on equity has slightly decreased from the same quarter one year prior. This implies a minor weakness in the organization. When compared to other companies in the Diversified Consumer Services industry and the overall market, NATIONAL AMERN UNIV HLDG INC's return on equity is below that of both the industry average and the S&P 500.

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Archrock Partners

Dividend Yield: 13.50%

Archrock Partners

(NASDAQ:

APLP

) shares currently have a dividend yield of 13.50%.

Exterran Partners, L.P., together with its subsidiaries, provides natural gas contract operations services to customers in the United States. The company has a P/E ratio of 17.70.

The average volume for Archrock Partners has been 213,700 shares per day over the past 30 days. Archrock Partners has a market cap of $1.0 billion and is part of the energy industry. Shares are down 21.4% year-to-date as of the close of trading on Thursday.

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TheStreet Ratings rates

TheStreet Recommends

Archrock Partners

as a

hold

. The company's strengths can be seen in multiple areas, such as its revenue growth and expanding profit margins. However, as a counter to these strengths, we also find weaknesses including a generally disappointing performance in the stock itself, unimpressive growth in net income and feeble growth in the company's earnings per share.

Highlights from the ratings report include:

  • The revenue growth greatly exceeded the industry average of 30.8%. Since the same quarter one year prior, revenues slightly increased by 6.6%. This growth in revenue does not appear to have trickled down to the company's bottom line, displayed by a decline in earnings per share.
  • 48.19% is the gross profit margin for ARCHROCK PARTNERS LP which we consider to be strong. It has increased from the same quarter the previous year. Regardless of the strong results of the gross profit margin, the net profit margin of 7.04% trails the industry average.
  • ARCHROCK PARTNERS LP has experienced a steep decline in earnings per share in the most recent quarter in comparison to its performance from the same quarter a year ago. The company has reported a trend of declining earnings per share over the past year. However, the consensus estimate suggests that this trend should reverse in the coming year. During the past fiscal year, ARCHROCK PARTNERS LP reported lower earnings of $0.88 versus $1.18 in the prior year. This year, the market expects an improvement in earnings ($1.05 versus $0.88).
  • The change in net income from the same quarter one year ago has exceeded that of the Energy Equipment & Services industry average, but is less than that of the S&P 500. The net income has significantly decreased by 36.5% when compared to the same quarter one year ago, falling from $18.10 million to $11.50 million.
  • Despite any intermediate fluctuations, we have only bad news to report on this stock's performance over the last year: it has tumbled by 39.78%, worse than the S&P 500's performance. Consistent with the plunge in the stock price, the company's earnings per share are down 57.69% compared to the year-earlier quarter. Turning toward the future, the fact that the stock has come down in price over the past year should not necessarily be interpreted as a negative; it could be one of the factors that may help make the stock attractive down the road. Right now, however, we believe that it is too soon to buy.

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Harvest Capital Credit

Dividend Yield: 11.40%

Harvest Capital Credit

(NASDAQ:

HCAP

) shares currently have a dividend yield of 11.40%.

Harvest Capital Credit LLC is a business development company providing structured credit to small businesses. The company has a P/E ratio of 7.66.

The average volume for Harvest Capital Credit has been 19,000 shares per day over the past 30 days. Harvest Capital Credit has a market cap of $73.9 million and is part of the financial services industry. Shares are up 2.3% year-to-date as of the close of trading on Thursday.

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TheStreet Ratings rates

Harvest Capital Credit

as a

hold

. The company's strengths can be seen in multiple areas, such as its robust revenue growth, expanding profit margins and compelling growth in net income. However, as a counter to these strengths, we find that the growth in the company's earnings per share has not been good.

Highlights from the ratings report include:

  • The revenue growth greatly exceeded the industry average of 5.9%. Since the same quarter one year prior, revenues rose by 32.7%. Growth in the company's revenue appears to have helped boost the earnings per share.
  • The gross profit margin for HARVEST CAPITAL CREDIT CORP is rather high; currently it is at 61.29%. It has increased from the same quarter the previous year. Along with this, the net profit margin of 68.35% significantly outperformed against the industry average.
  • Net operating cash flow has significantly increased by 106.00% to $0.46 million when compared to the same quarter last year. Despite an increase in cash flow of 106.00%, HARVEST CAPITAL CREDIT CORP is still growing at a significantly lower rate than the industry average of 265.45%.
  • HARVEST CAPITAL CREDIT CORP has improved earnings per share by 30.8% in the most recent quarter compared to the same quarter a year ago. The company has demonstrated a pattern of positive earnings per share growth over the past year. However, we anticipate underperformance relative to this pattern in the coming year. During the past fiscal year, HARVEST CAPITAL CREDIT CORP increased its bottom line by earning $1.52 versus $0.47 in the prior year. For the next year, the market is expecting a contraction of 13.2% in earnings ($1.32 versus $1.52).
  • The return on equity has improved slightly when compared to the same quarter one year prior. This can be construed as a modest strength in the organization. When compared to other companies in the Capital Markets industry and the overall market, HARVEST CAPITAL CREDIT CORP's return on equity is below that of both the industry average and the S&P 500.

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