3 Financial Services Stocks Dragging The Industry Down

Editor's Note: Any reference to TheStreet Ratings and its underlying recommendation does not reflect the opinion of TheStreet, Inc. or any of its contributors including Jim Cramer or Stephanie Link.

All three major indices are trading down today with the Dow Jones Industrial Average ( ^DJI) trading down 17 points (-0.1%) at 17,039 as of Tuesday, July 15, 2014, 12:55 PM ET. The NYSE advances/declines ratio sits at 915 issues advancing vs. 2,069 declining with 174 unchanged.

The Financial Services industry currently sits down 0.2% versus the S&P 500, which is down 0.3%. A company within the industry that fell today was Western Union ( WU), up 1.2%. Top gainers within the industry include Orix ( IX), up 2.0%, CIT Group ( CIT), up 1.6%, MasterCard ( MA), up 1.2%, Bank of New York Mellon ( BK), up 0.9% and Goldman Sachs Group ( GS), up 0.8%.

TheStreet would like to highlight 3 stocks pushing the industry lower today:

3. Navient ( NAVI) is one of the companies pushing the Financial Services industry lower today. As of noon trading, Navient is down $0.23 (-1.3%) to $17.77 on light volume. Thus far, 1.2 million shares of Navient exchanged hands as compared to its average daily volume of 3.7 million shares. The stock has ranged in price between $17.76-$18.09 after having opened the day at $17.99 as compared to the previous trading day's close of $18.00.

Navient Corporation provides financial products and services focusing on the education sector. The company's Consumer Lending segment originates, acquires, finances, and services private education loans. Navient has a market cap of $7.6 billion and is part of the financial sector. Shares are unchanged year-to-date as of the close of trading on Monday. Currently there are 3 analysts that rate Navient a buy, no analysts rate it a sell, and 1 rates it a hold.

TheStreet Ratings rates Navient as a sell. The company's weaknesses can be seen in multiple areas, such as its unimpressive growth in net income, generally high debt management risk, disappointing return on equity, generally disappointing historical performance in the stock itself and feeble growth in its earnings per share. Get the full Navient Ratings Report now.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.

2. As of noon trading, TD Ameritrade ( AMTD) is down $0.23 (-0.7%) to $31.08 on average volume. Thus far, 1.1 million shares of TD Ameritrade exchanged hands as compared to its average daily volume of 2.9 million shares. The stock has ranged in price between $30.91-$31.67 after having opened the day at $31.43 as compared to the previous trading day's close of $31.31.

TD Ameritrade Holding Corporation provides securities brokerage services and technology-based financial services to retail investors, traders, and independent registered investment advisors (RIAs) in the United States. TD Ameritrade has a market cap of $17.2 billion and is part of the financial sector. Shares are up 2.2% year-to-date as of the close of trading on Monday. Currently there are 11 analysts that rate TD Ameritrade a buy, no analysts rate it a sell, and 3 rate it a hold.

TheStreet Ratings rates TD Ameritrade as a buy. The company's strengths can be seen in multiple areas, such as its revenue growth, notable return on equity, expanding profit margins, good cash flow from operations and impressive record of earnings per share growth. Although the company may harbor some minor weaknesses, we feel they are unlikely to have a significant impact on results. Get the full TD Ameritrade Ratings Report now.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.

1. As of noon trading, Charles Schwab ( SCHW) is down $0.24 (-0.9%) to $27.25 on average volume. Thus far, 2.9 million shares of Charles Schwab exchanged hands as compared to its average daily volume of 6.6 million shares. The stock has ranged in price between $27.10-$27.79 after having opened the day at $27.61 as compared to the previous trading day's close of $27.49.

The Charles Schwab Corporation, through its subsidiaries, provides securities brokerage, banking, money management, and financial advisory services. The company operates through two segments, Investor Services and Advisor Services. Charles Schwab has a market cap of $35.3 billion and is part of the financial sector. Shares are up 5.7% year-to-date as of the close of trading on Monday. Currently there are 3 analysts that rate Charles Schwab a buy, 2 analysts rate it a sell, and 7 rate it a hold.

TheStreet Ratings rates Charles Schwab as a buy. The company's strengths can be seen in multiple areas, such as its revenue growth, impressive record of earnings per share growth, compelling growth in net income, expanding profit margins and good cash flow from operations. We feel these strengths outweigh the fact that the company is trading at a premium valuation based on our review of its current price compared to such things as earnings and book value. Get the full Charles Schwab Ratings Report now.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.

If you are interested in one of these 3 stocks, ETFs may be of interest. Investors who are bullish on the financial services industry could consider Financial Select Sector SPDR ( XLF) while those bearish on the financial services industry could consider Proshares Short Financials ( SEF).

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