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

MetricNavientVisaBetter
P/E Ratio (TTM)41.5334.16Visa
Price-to-Book Ratio0.5217.86Navient
Debt-to-Equity Ratio1,839.9465.02Visa
PEG Ratio-0.742.83Navient
EV/EBITDAN/A25.00N/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 Equity1.24%51.76%Visa
Return on Assets (TTM)0.06%17.05%Visa
Free Cash Flow (TTM)$459.00M$18.69BVisa
Dividend Yield6.19%0.50%Navient
1-Year Return-18.14%25.71%Visa
Price-to-Sales Ratio (TTM)2.2617.46Navient
Enterprise Value$47.74B$680.89BVisa
EV/Revenue Ratio81.7417.51Visa
Gross Profit Margin (TTM)N/A80.60%N/A
Revenue per Share (TTM)$6$21Visa
Earnings per Share (Diluted)$0.32$10.24Visa
Beta (Stock Volatility)1.350.90Visa
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Navient vs Visa Stock Performance Analysis

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Navient
Visa
Navient Stock Overview | Visa Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Navient-3.24%-1.76%-5.51%-17.41%16.49%-1.53%
Visa-0.16%2.68%2.04%-2.06%11.83%11.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Navient-18.14%-13.05%31.36%4.89%-24.31%-24.31%
Visa25.71%91.26%74.41%359.58%1,700.41%2,070.79%

News Based Sentiment: Navient vs Visa

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

Visa

News based Sentiment: POSITIVE

October was a strong month for Visa, marked by exceeding earnings expectations, launching key initiatives in AI and digital assets, and receiving positive analyst coverage. These developments collectively signal continued growth and innovation, making it a significant month for investors.

View Visa News Sentiment Analysis

Performance & Financial Health Analysis: Navient vs Visa

MetricNAVIV
Market Information
Market Cap i$1.32B$679.02B
Market Cap CategorySmall capMega cap
10 Day Avg. Volume i880,6107,015,000
90 Day Avg. Volume i871,5106,118,317
Last Close$12.86$349.28
52 Week Range$10.53 - $16.15$273.24 - $375.51
% from 52W High-20.37%-6.99%
All-Time High$23.80 (Sep 13, 2021)$375.51 (Jun 11, 2025)
% from All-Time High-45.97%-6.99%
Growth Metrics
Quarterly Revenue Growth-0.49%0.14%
Quarterly Earnings Growth-0.61%0.08%
Financial Health
Profit Margin (TTM) i0.06%0.52%
Operating Margin (TTM) i0.15%0.67%
Return on Equity (TTM) i0.01%0.52%
Debt to Equity (MRQ) i1,839.9465.02
Cash & Liquidity
Book Value per Share (MRQ)$25.79$19.58
Cash per Share (MRQ)$7.63$9.95
Operating Cash Flow (TTM) i$195.00M$23.48B
Levered Free Cash Flow (TTM) i$131.00M$18.05B
Dividends
Last 12-Month Dividend Yield i6.19%0.50%
Last 12-Month Dividend i$0.80$1.70

Valuation & Enterprise Metrics Analysis: Navient vs Visa

MetricNAVIV
Price Ratios
P/E Ratio (TTM) i41.5334.16
Forward P/E i8.9827.63
PEG Ratio i-0.742.83
Price to Sales (TTM) i2.2617.46
Price to Book (MRQ) i0.5217.86
Market Capitalization
Market Capitalization i$1.32B$679.02B
Enterprise Value i$47.74B$680.89B
Enterprise Value Metrics
Enterprise to Revenue i81.7417.51
Enterprise to EBITDA iN/A25.00
Risk & Other Metrics
Beta i1.350.90
Book Value per Share (MRQ) i$25.79$19.58

Financial Statements Comparison: Navient vs Visa

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)NAVIV
Revenue/Sales i$156.00M$9.59B
Cost of Goods Sold iN/A$1.88B
Gross Profit iN/A$7.71B
Research & Development iN/AN/A
Operating Income (EBIT) iN/A$6.44B
EBITDA iN/A$6.74B
Pre-Tax Income i$18.00M$5.44B
Income Tax i$4.00M$861.00M
Net Income (Profit) i$14.00M$4.58B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)NAVIV
Cash & Equivalents i$642.00M$11.73B
Total Current Assets iN/A$32.93B
Total Current Liabilities iN/A$30.38B
Long-Term Debt i$43.25B$16.81B
Total Shareholders Equity i$2.59B$38.03B
Retained Earnings i$4.68B$16.52B
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)NAVIV
Operating Cash Flow i$-12.00M$4.22B
Capital Expenditures iN/A$-327.00M
Free Cash Flow i$71.00M$4.37B
Debt Repayment i$-1.27BN/A
Common Stock Repurchase i$-35.00M$-4.60B

Short Interest & Institutional Ownership Analysis

MetricNAVIV
Shares Short i7.34M26.74M
Short Ratio i9.685.29
Short % of Float i0.30%0.02%
Average Daily Volume (10 Day) i880,6107,015,000
Average Daily Volume (90 Day) i871,5106,118,317
Shares Outstanding i103.03M1.98B
Float Shares i67.85M1.76B
% Held by Insiders i0.03%0.01%
% Held by Institutions i1.04%0.90%

Dividend Analysis & Yield Comparison: Navient vs Visa

MetricNAVIV
Last 12-Month Dividend i$0.80$1.70
Last 12-Month Dividend Yield i6.19%0.50%
3-Year Avg Annual Dividend i$0.69$1.81
3-Year Avg Dividend Yield i1.04%0.19%
3-Year Total Dividends i$2.08$5.44
Ex-Dividend DateSep 05, 2025Feb 11, 2025