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

Navient Corporation

NASDAQ
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Mastercard Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Navient Corporation wins in 3 metrics, Mastercard Inc. wins in 16 metrics, with 0 ties. Mastercard Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Navient Corporation Mastercard Inc. Better
P/E Ratio (TTM) 40.28 30.95 Mastercard Inc.
Price-to-Book Ratio 0.36 59.09 Navient Corporation
Debt-to-Equity Ratio 1,908.50 256.04 Mastercard Inc.
PEG Ratio -0.32 1.27 Mastercard Inc.
EV/EBITDA N/A 22.63 N/A
Profit Margin (TTM) -24.24% 45.65% Mastercard Inc.
Operating Margin (TTM) 4.30% 57.73% Mastercard Inc.
EBITDA Margin (TTM) 4.30% 57.73% Mastercard Inc.
Return on Equity -3.18% 209.92% Mastercard Inc.
Return on Assets (TTM) -0.16% 23.72% Mastercard Inc.
Free Cash Flow (TTM) $441.00M $16.43B Mastercard Inc.
Dividend Yield 8.98% 0.55% Navient Corporation
1-Year Return -39.67% -12.82% Mastercard Inc.
Price-to-Sales Ratio (TTM) 2.59 13.92 Navient Corporation
Enterprise Value $45.96B $464.97B Mastercard Inc.
EV/Revenue Ratio 139.28 14.18 Mastercard Inc.
Gross Profit Margin (TTM) N/A 79.35% N/A
Revenue per Share (TTM) $3 $36 Mastercard Inc.
Earnings per Share (Diluted) $-0.81 $16.52 Mastercard Inc.
Beta (Stock Volatility) 1.29 0.83 Mastercard Inc.
Short % of Float 44.32% 0.70% Mastercard Inc.

Navient Corporation vs Mastercard Inc. Stock Performance Analysis

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NAVI
MA

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Navient Corporation0.00%2.44%-2.09%-3.51%-37.73%-37.64%
Mastercard Inc.0.13%1.02%-0.72%-3.51%-13.79%-12.87%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Navient Corporation-39.67%-56.68%-56.54%-34.24%-53.09%-53.09%
Mastercard Inc.-12.82%30.13%33.36%425.22%1,741.34%10,788.44%

Performance & Financial Health Analysis: Navient Corporation vs Mastercard Inc.

MetricNAVIMA
Market Information
Market Cap i$854.86M$448.34B
Market Cap CategorySmall capMega cap
10 Day Avg. Volume i857,8663,152,477
90 Day Avg. Volume i932,6653,291,506
Last Close$7.97$490.64
52 Week Range$7.33 - $16.07$464.52 - $601.77
% from 52W High-50.40%-18.47%
All-Time High$23.80 (Sep 13, 2021)$601.77 (Aug 22, 2025)
% from All-Time High-66.51%-18.47%
Growth Metrics
Quarterly Revenue Growth-0.55%0.18%
Quarterly Earnings Growth-0.45%0.22%
Financial Health
Profit Margin (TTM) i-0.24%0.46%
Operating Margin (TTM) i0.04%0.58%
Return on Equity (TTM) i-0.03%2.10%
Debt to Equity (MRQ) i1,908.50256.04
Cash & Liquidity
Book Value per Share (MRQ)$25.12$8.65
Cash per Share (MRQ)$7.14$12.22
Operating Cash Flow (TTM) i$441.00M$17.65B
Levered Free Cash Flow (TTM) i$-80,000,000$16.27B
Dividends
Last 12-Month Dividend Yield i8.98%0.55%
Last 12-Month Dividend i$0.80$3.15

Valuation & Enterprise Metrics Analysis: Navient Corporation vs Mastercard Inc.

MetricNAVI (Apr 21, 2026)MA (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i40.2830.95
Forward P/E i9.6322.56
PEG Ratio i-0.321.27
Price to Sales (TTM) i2.5913.92
Price to Book (MRQ) i0.3659.09
Market Capitalization
Market Capitalization i$854.86M$448.34B
Enterprise Value i$45.96B$464.97B
Enterprise Value Metrics
Enterprise to Revenue i139.2814.18
Enterprise to EBITDA iN/A22.63
Risk & Other Metrics
Beta i1.290.83
Book Value per Share (MRQ) i$25.12$8.65

Financial Statements Comparison: Navient Corporation vs Mastercard Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricNAVI (2025)MA (2025)
Revenue/Sales i610.00M32.79B
Cost of Goods Sold iN/A7.25B
COGS % of Revenue i0.0%22.1%
Gross Profit iN/A25.54B
Gross Margin i0.0%77.9%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A19.51B
Operating Margin i0.0%59.5%
EBITDA iN/A20.82B
EBITDA Margin i0.0%63.5%
Pre-Tax Income i-111.00M18.58B
Pre-Tax Income % of Revenue i-18.2%56.7%
Income Tax i-31.00M3.61B
Income Tax % of Revenue i-5.1%11.0%
Net Income (Profit) i-80.00M14.97B
Profit Margin i-13.1%45.6%

Balance Sheet & Liquidity Metrics

MetricNAVI (2025)MA (2025)
Cash & Equivalents i637.00M10.57B
Total Current Assets iN/A23.56B
Total Current Assets % of Revenue i0.0%71.8%
Total Current Liabilities iN/A22.76B
Total Current Liabilities % of Revenue i0.0%69.4%
Long-Term Debt i40.90B18.25B
Long-Term Debt % of Revenue i6,704.6%55.7%
Total Shareholders Equity i2.40B7.75B
Retained Earnings i4.55B85.04B
Retained Earnings % of Revenue i746.2%259.3%
Property, Plant & Equipment iN/A3.71B

Cash Flow Statement Comparison

MetricNAVI (2025)MA (2025)
Operating Cash Flow i34.00M19.44B
Operating Cash Flow % of Revenue i5.6%59.3%
Capital Expenditures iN/A-489.00M
Free Cash Flow i441.00M16.43B
FCF Margin i72.3%50.1%
Debt Repayment i-5.90B-750.00M
Common Stock Repurchase i-111.00M-11.73B

Short Interest & Institutional Ownership Analysis

MetricNAVIMA
Shares Short i8.83M6.24M
Short Ratio i8.821.83
Short % of Float i44.32%0.70%
Shares Outstanding i95.67M894.04M
Float Shares i63.42M883.99M
% Held by Insiders i2.21%0.55%
% Held by Institutions i102.17%90.43%
% Held by Public i-4.38%9.02%

Dividend Analysis & Yield Comparison: Navient Corporation vs Mastercard Inc.

MetricNAVIMA
Last 12-Month Dividend i$0.80$3.15
Last 12-Month Dividend Yield i8.98%0.55%
3-Year Avg Annual Dividend i$0.69$2.75
3-Year Avg Dividend Yield i1.12%0.14%
3-Year Total Dividends i$2.08$8.26
Ex-Dividend DateMar 06, 2026Jan 09, 2026