Navient [NAVI] vs Visa [V] Detailed Stock Comparison
Navient
NASDAQ
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Visa
NYSE
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TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Navient wins in 4 metrics, Visa wins in 14 metrics, with 0 ties. Visa appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Navient | Visa | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 40.44 | 33.44 | Visa |
| Price-to-Book Ratio | 0.50 | 17.49 | Navient |
| Debt-to-Equity Ratio | 1,839.94 | 65.02 | Visa |
| PEG Ratio | -0.72 | 2.77 | Navient |
| EV/EBITDA | N/A | 24.48 | N/A |
| Profit Margin (TTM) | 5.65% | 52.16% | Visa |
| Operating Margin (TTM) | 15.13% | 66.77% | Visa |
| EBITDA Margin (TTM) | 15.13% | 66.77% | Visa |
| Return on Equity | 1.24% | 51.76% | Visa |
| Return on Assets (TTM) | 0.06% | 17.05% | Visa |
| Free Cash Flow (TTM) | $459.00M | $18.69B | Visa |
| Dividend Yield | 6.19% | 0.50% | Navient |
| 1-Year Return | -18.98% | 28.51% | Visa |
| Price-to-Sales Ratio (TTM) | 2.20 | 17.09 | Navient |
| Enterprise Value | $47.70B | $666.65B | Visa |
| EV/Revenue Ratio | 81.68 | 17.14 | Visa |
| Gross Profit Margin (TTM) | N/A | 80.60% | N/A |
| Revenue per Share (TTM) | $6 | $21 | Visa |
| Earnings per Share (Diluted) | $0.32 | $10.24 | Visa |
| Beta (Stock Volatility) | 1.39 | 0.94 | Visa |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Navient vs Visa Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Navient | 3.83% | -0.68% | -8.48% | 0.62% | -6.85% | 0.00% |
| Visa | 1.82% | -0.52% | -2.07% | -4.08% | -1.39% | 9.32% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Navient | -18.98% | -19.28% | 40.28% | 0.08% | -23.13% | -23.13% |
| Visa | 28.51% | 69.40% | 59.33% | 374.32% | 1,833.01% | 2,036.05% |
Performance & Financial Health Analysis: Navient vs Visa
| Metric | NAVI | V |
|---|---|---|
| Market Information | ||
| Market Cap | $1.29B | $664.67B |
| Market Cap Category | Small cap | Mega cap |
| 10 Day Avg. Volume | 617,083 | 5,753,370 |
| 90 Day Avg. Volume | 947,601 | 6,121,493 |
| Last Close | $13.56 | $349.94 |
| 52 Week Range | $10.53 - $16.97 | $265.31 - $375.51 |
| % from 52W High | -20.07% | -6.81% |
| All-Time High | $23.80 (Sep 13, 2021) | $375.51 (Jun 11, 2025) |
| % from All-Time High | -43.03% | -6.81% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.49% | 0.14% |
| Quarterly Earnings Growth | -0.61% | 0.08% |
| Financial Health | ||
| Profit Margin (TTM) | 0.06% | 0.52% |
| Operating Margin (TTM) | 0.15% | 0.67% |
| Return on Equity (TTM) | 0.01% | 0.52% |
| Debt to Equity (MRQ) | 1,839.94 | 65.02 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $25.79 | $19.58 |
| Cash per Share (MRQ) | $7.63 | $9.95 |
| Operating Cash Flow (TTM) | $195.00M | $23.48B |
| Levered Free Cash Flow (TTM) | $131.00M | $18.05B |
| Dividends | ||
| Last 12-Month Dividend Yield | 6.19% | 0.50% |
| Last 12-Month Dividend | $0.80 | $1.70 |
Valuation & Enterprise Metrics Analysis: Navient vs Visa
| Metric | NAVI | V |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 40.44 | 33.44 |
| Forward P/E | 8.74 | 27.05 |
| PEG Ratio | -0.72 | 2.77 |
| Price to Sales (TTM) | 2.20 | 17.09 |
| Price to Book (MRQ) | 0.50 | 17.49 |
| Market Capitalization | ||
| Market Capitalization | $1.29B | $664.67B |
| Enterprise Value | $47.70B | $666.65B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 81.68 | 17.14 |
| Enterprise to EBITDA | N/A | 24.48 |
| Risk & Other Metrics | ||
| Beta | 1.39 | 0.94 |
| Book Value per Share (MRQ) | $25.79 | $19.58 |
Financial Statements Comparison: Navient vs Visa
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | NAVI | V |
|---|---|---|
| Revenue/Sales | $156.00M | $9.59B |
| Cost of Goods Sold | N/A | $1.88B |
| Gross Profit | N/A | $7.71B |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | $6.44B |
| EBITDA | N/A | $6.74B |
| Pre-Tax Income | $-5.00M | $5.44B |
| Income Tax | $-3.00M | $861.00M |
| Net Income (Profit) | $-2.00M | $4.58B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | NAVI | V |
|---|---|---|
| Cash & Equivalents | $642.00M | $11.73B |
| Total Current Assets | N/A | $32.93B |
| Total Current Liabilities | N/A | $30.38B |
| Long-Term Debt | $43.25B | $16.81B |
| Total Shareholders Equity | $2.59B | $38.03B |
| Retained Earnings | $4.68B | $16.52B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | NAVI | V |
|---|---|---|
| Operating Cash Flow | $-12.00M | $4.22B |
| Capital Expenditures | N/A | $-327.00M |
| Free Cash Flow | $71.00M | $4.37B |
| Debt Repayment | $-1.27B | N/A |
| Common Stock Repurchase | $-35.00M | $-4.60B |
Short Interest & Institutional Ownership Analysis
| Metric | NAVI | V |
|---|---|---|
| Shares Short | 8.05M | 28.08M |
| Short Ratio | 7.52 | 4.70 |
| Short % of Float | 0.33% | 0.02% |
| Average Daily Volume (10 Day) | 617,083 | 5,753,370 |
| Average Daily Volume (90 Day) | 947,601 | 6,121,493 |
| Shares Outstanding | 103.03M | 1.98B |
| Float Shares | 67.85M | 1.76B |
| % Held by Insiders | 0.03% | 0.01% |
| % Held by Institutions | 1.04% | 0.91% |
Dividend Analysis & Yield Comparison: Navient vs Visa
| Metric | NAVI | V |
|---|---|---|
| Last 12-Month Dividend | $0.80 | $1.70 |
| Last 12-Month Dividend Yield | 6.19% | 0.50% |
| 3-Year Avg Annual Dividend | $0.69 | $1.81 |
| 3-Year Avg Dividend Yield | 1.04% | 0.19% |
| 3-Year Total Dividends | $2.08 | $5.44 |
| Ex-Dividend Date | Sep 05, 2025 | Feb 11, 2025 |