Navient [NAVI] vs Mastercard [MA] Detailed Stock Comparison

Navient

NASDAQ
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Mastercard

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Navient wins in 4 metrics, Mastercard wins in 14 metrics, with 0 ties. Mastercard appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricNavientMastercardBetter
P/E Ratio (TTM)41.5339.11Mastercard
Price-to-Book Ratio0.5266.96Navient
Debt-to-Equity Ratio1,839.94240.92Mastercard
PEG Ratio-0.742.41Navient
EV/EBITDAN/A28.46N/A
Profit Margin (TTM)5.65%44.93%Mastercard
Operating Margin (TTM)15.13%59.92%Mastercard
EBITDA Margin (TTM)15.13%59.92%Mastercard
Return on Equity1.24%176.95%Mastercard
Return on Assets (TTM)0.06%23.68%Mastercard
Free Cash Flow (TTM)$459.00M$13.59BMastercard
Dividend Yield6.19%0.53%Navient
1-Year Return-18.14%15.24%Mastercard
Price-to-Sales Ratio (TTM)2.2617.35Navient
Enterprise Value$47.74B$534.36BMastercard
EV/Revenue Ratio81.7417.67Mastercard
Gross Profit Margin (TTM)N/A77.23%N/A
Revenue per Share (TTM)$6$33Mastercard
Earnings per Share (Diluted)$0.32$14.84Mastercard
Beta (Stock Volatility)1.350.97Mastercard
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Navient vs Mastercard Stock Performance Analysis

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Navient
Mastercard
Navient Stock Overview | Mastercard Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Navient-3.24%-1.76%-5.51%-17.41%16.49%-1.53%
Mastercard-0.28%1.88%-1.33%2.42%19.21%10.80%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Navient-18.14%-13.05%31.36%4.89%-24.31%-24.31%
Mastercard15.24%100.50%70.54%492.80%2,376.72%12,791.09%

News Based Sentiment: Navient vs Mastercard

Navient

News based Sentiment: MIXED

October brought a mix of developments for Navient, including an index reclassification, analyst maintenance, and shifting institutional holdings. While credit ratings for a loan trust were positive, the overall picture is one of transition and cautious optimism, making it a moderately significant month for investors.

View Navient News Sentiment Analysis

Mastercard

News based Sentiment: POSITIVE

Mastercard delivered strong Q2 earnings, launched new initiatives in advertising and digital identity, and expanded support for small businesses. These developments, combined with positive stock performance, indicate a positive trajectory for the company, though valuation remains a consideration.

View Mastercard News Sentiment Analysis

Performance & Financial Health Analysis: Navient vs Mastercard

MetricNAVIMA
Market Information
Market Cap i$1.32B$524.73B
Market Cap CategorySmall capMega cap
10 Day Avg. Volume i880,6102,763,400
90 Day Avg. Volume i871,5102,666,430
Last Close$12.86$578.81
52 Week Range$10.53 - $16.15$465.59 - $601.77
% from 52W High-20.37%-3.82%
All-Time High$23.80 (Sep 13, 2021)$601.77 (Aug 22, 2025)
% from All-Time High-45.97%-3.82%
Growth Metrics
Quarterly Revenue Growth-0.49%0.17%
Quarterly Earnings Growth-0.61%0.14%
Financial Health
Profit Margin (TTM) i0.06%0.45%
Operating Margin (TTM) i0.15%0.60%
Return on Equity (TTM) i0.01%1.77%
Debt to Equity (MRQ) i1,839.94240.92
Cash & Liquidity
Book Value per Share (MRQ)$25.79$8.67
Cash per Share (MRQ)$7.63$10.36
Operating Cash Flow (TTM) i$195.00M$16.95B
Levered Free Cash Flow (TTM) i$131.00M$15.46B
Dividends
Last 12-Month Dividend Yield i6.19%0.53%
Last 12-Month Dividend i$0.80$2.84

Valuation & Enterprise Metrics Analysis: Navient vs Mastercard

MetricNAVIMA
Price Ratios
P/E Ratio (TTM) i41.5339.11
Forward P/E i8.9835.44
PEG Ratio i-0.742.41
Price to Sales (TTM) i2.2617.35
Price to Book (MRQ) i0.5266.96
Market Capitalization
Market Capitalization i$1.32B$524.73B
Enterprise Value i$47.74B$534.36B
Enterprise Value Metrics
Enterprise to Revenue i81.7417.67
Enterprise to EBITDA iN/A28.46
Risk & Other Metrics
Beta i1.350.97
Book Value per Share (MRQ) i$25.79$8.67

Financial Statements Comparison: Navient vs Mastercard

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)NAVIMA
Revenue/Sales i$156.00M$7.25B
Cost of Goods Sold iN/A$1.69B
Gross Profit iN/A$5.56B
Research & Development iN/AN/A
Operating Income (EBIT) iN/A$4.30B
EBITDA iN/A$4.58B
Pre-Tax Income i$18.00M$4.03B
Income Tax i$4.00M$751.00M
Net Income (Profit) i$14.00M$3.28B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)NAVIMA
Cash & Equivalents i$642.00M$7.58B
Total Current Assets iN/A$19.80B
Total Current Liabilities iN/A$17.83B
Long-Term Debt i$43.25B$18.80B
Total Shareholders Equity i$2.59B$6.70B
Retained Earnings i$4.68B$75.50B
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)NAVIMA
Operating Cash Flow i$-12.00M$4.47B
Capital Expenditures iN/A$-159.00M
Free Cash Flow i$71.00M$2.02B
Debt Repayment i$-1.27B$-750.00M
Common Stock Repurchase i$-35.00M$-2.55B

Short Interest & Institutional Ownership Analysis

MetricNAVIMA
Shares Short i7.34M5.88M
Short Ratio i9.682.55
Short % of Float i0.30%0.01%
Average Daily Volume (10 Day) i880,6102,763,400
Average Daily Volume (90 Day) i871,5102,666,430
Shares Outstanding i103.03M913.40M
Float Shares i67.85M896.00M
% Held by Insiders i0.03%0.01%
% Held by Institutions i1.04%0.90%

Dividend Analysis & Yield Comparison: Navient vs Mastercard

MetricNAVIMA
Last 12-Month Dividend i$0.80$2.84
Last 12-Month Dividend Yield i6.19%0.53%
3-Year Avg Annual Dividend i$0.69$2.09
3-Year Avg Dividend Yield i1.04%0.15%
3-Year Total Dividends i$2.08$6.28
Ex-Dividend DateSep 05, 2025Apr 09, 2025