Navient [NAVI] vs Visa [V] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 21 vital metrics comparison: Navient Corporation wins in 3 metrics, Visa Inc. wins in 16 metrics, with 0 ties. Visa Inc. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Navient Corporation | Visa Inc. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 40.28 | 28.98 | Visa Inc. |
| Price-to-Book Ratio | 0.36 | 15.42 | Navient Corporation |
| Debt-to-Equity Ratio | 1,908.50 | 54.61 | Visa Inc. |
| PEG Ratio | -0.32 | 1.66 | Visa Inc. |
| EV/EBITDA | N/A | 20.50 | N/A |
| Profit Margin (TTM) | -24.24% | 50.23% | Visa Inc. |
| Operating Margin (TTM) | 4.30% | 68.30% | Visa Inc. |
| EBITDA Margin (TTM) | 4.30% | 68.30% | Visa Inc. |
| Return on Equity | -3.18% | 53.95% | Visa Inc. |
| Return on Assets (TTM) | -0.16% | 18.36% | Visa Inc. |
| Free Cash Flow (TTM) | $441.00M | $21.58B | Visa Inc. |
| Dividend Yield | 8.98% | 0.78% | Navient Corporation |
| 1-Year Return | -39.67% | -8.63% | Visa Inc. |
| Price-to-Sales Ratio (TTM) | 2.59 | 14.39 | Navient Corporation |
| Enterprise Value | $45.96B | $594.14B | Visa Inc. |
| EV/Revenue Ratio | 139.28 | 14.35 | Visa Inc. |
| Gross Profit Margin (TTM) | N/A | 81.68% | N/A |
| Revenue per Share (TTM) | $3 | $21 | Visa Inc. |
| Earnings per Share (Diluted) | $-0.81 | $10.66 | Visa Inc. |
| Beta (Stock Volatility) | 1.29 | 0.80 | Visa Inc. |
| Short % of Float | 44.32% | 1.40% | Visa Inc. |
Navient Corporation vs Visa Inc. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Navient Corporation | 0.00% | 2.44% | -2.09% | -3.51% | -37.73% | -37.64% |
| Visa Inc. | 0.44% | 1.30% | -0.59% | 4.42% | -6.65% | -6.54% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Navient Corporation | -39.67% | -56.68% | -56.54% | -34.24% | -53.09% | -53.09% |
| Visa Inc. | -8.63% | 40.84% | 39.92% | 318.74% | 1,632.35% | 1,903.67% |
Performance & Financial Health Analysis: Navient Corporation vs Visa Inc.
| Metric | NAVI | V |
|---|---|---|
| Market Information | ||
| Market Cap | $854.86M | $596.57B |
| Market Cap Category | Small cap | Mega cap |
| 10 Day Avg. Volume | 857,866 | 6,138,912 |
| 90 Day Avg. Volume | 932,665 | 6,859,421 |
| Last Close | $7.97 | $323.82 |
| 52 Week Range | $7.33 - $16.07 | $293.89 - $360.22 |
| % from 52W High | -50.40% | -10.10% |
| All-Time High | $23.80 (Sep 13, 2021) | $375.51 (Jun 11, 2025) |
| % from All-Time High | -66.51% | -13.77% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.55% | 0.15% |
| Quarterly Earnings Growth | -0.45% | 0.14% |
| Financial Health | ||
| Profit Margin (TTM) | -0.24% | 0.50% |
| Operating Margin (TTM) | 0.04% | 0.68% |
| Return on Equity (TTM) | -0.03% | 0.54% |
| Debt to Equity (MRQ) | 1,908.50 | 54.61 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $25.12 | $20.03 |
| Cash per Share (MRQ) | $7.14 | $8.60 |
| Operating Cash Flow (TTM) | $441.00M | $24.44B |
| Levered Free Cash Flow (TTM) | $-80,000,000 | $22.03B |
| Dividends | ||
| Last 12-Month Dividend Yield | 8.98% | 0.78% |
| Last 12-Month Dividend | $0.80 | $2.52 |
Valuation & Enterprise Metrics Analysis: Navient Corporation vs Visa Inc.
| Metric | NAVI (Apr 21, 2026) | V (Apr 26, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 40.28 | 28.98 |
| Forward P/E | 9.63 | 21.23 |
| PEG Ratio | -0.32 | 1.66 |
| Price to Sales (TTM) | 2.59 | 14.39 |
| Price to Book (MRQ) | 0.36 | 15.42 |
| Market Capitalization | ||
| Market Capitalization | $854.86M | $596.57B |
| Enterprise Value | $45.96B | $594.14B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 139.28 | 14.35 |
| Enterprise to EBITDA | N/A | 20.50 |
| Risk & Other Metrics | ||
| Beta | 1.29 | 0.80 |
| Book Value per Share (MRQ) | $25.12 | $20.03 |
Financial Statements Comparison: Navient Corporation vs Visa Inc.
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | NAVI (2025) | V (2025) |
|---|---|---|
| Revenue/Sales | 610.00M | 40.00B |
| Cost of Goods Sold | N/A | 7.86B |
| COGS % of Revenue | 0.0% | 19.6% |
| Gross Profit | N/A | 32.15B |
| Gross Margin | 0.0% | 80.4% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | 26.56B |
| Operating Margin | 0.0% | 66.4% |
| EBITDA | N/A | 27.78B |
| EBITDA Margin | 0.0% | 69.4% |
| Pre-Tax Income | -111.00M | 24.19B |
| Pre-Tax Income % of Revenue | -18.2% | 60.5% |
| Income Tax | -31.00M | 4.14B |
| Income Tax % of Revenue | -5.1% | 10.3% |
| Net Income (Profit) | -80.00M | 20.06B |
| Profit Margin | -13.1% | 50.1% |
Balance Sheet & Liquidity Metrics
| Metric | NAVI (2025) | V (2025) |
|---|---|---|
| Cash & Equivalents | 637.00M | 17.16B |
| Total Current Assets | N/A | 37.77B |
| Total Current Assets % of Revenue | 0.0% | 94.4% |
| Total Current Liabilities | N/A | 35.05B |
| Total Current Liabilities % of Revenue | 0.0% | 87.6% |
| Long-Term Debt | 40.90B | 19.60B |
| Long-Term Debt % of Revenue | 6,704.6% | 49.0% |
| Total Shareholders Equity | 2.40B | 37.91B |
| Retained Earnings | 4.55B | 15.11B |
| Retained Earnings % of Revenue | 746.2% | 37.8% |
| Property, Plant & Equipment | N/A | 0 |
Cash Flow Statement Comparison
| Metric | NAVI (2025) | V (2025) |
|---|---|---|
| Operating Cash Flow | 34.00M | 22.89B |
| Operating Cash Flow % of Revenue | 5.6% | 57.2% |
| Capital Expenditures | N/A | -1.48B |
| Free Cash Flow | 441.00M | 21.58B |
| FCF Margin | 72.3% | 53.9% |
| Debt Repayment | -5.90B | 0 |
| Common Stock Repurchase | -111.00M | -18.32B |
Short Interest & Institutional Ownership Analysis
| Metric | NAVI | V |
|---|---|---|
| Shares Short | 8.83M | 23.46M |
| Short Ratio | 8.82 | 3.17 |
| Short % of Float | 44.32% | 1.40% |
| Shares Outstanding | 95.67M | 1.93B |
| Float Shares | 63.42M | 1.74B |
| % Held by Insiders | 2.21% | 0.59% |
| % Held by Institutions | 102.17% | 90.99% |
| % Held by Public | -4.38% | 8.42% |
Dividend Analysis & Yield Comparison: Navient Corporation vs Visa Inc.
| Metric | NAVI | V |
|---|---|---|
| Last 12-Month Dividend | $0.80 | $2.52 |
| Last 12-Month Dividend Yield | 8.98% | 0.78% |
| 3-Year Avg Annual Dividend | $0.69 | $2.23 |
| 3-Year Avg Dividend Yield | 1.12% | 0.19% |
| 3-Year Total Dividends | $2.08 | $6.68 |
| Ex-Dividend Date | Mar 06, 2026 | Feb 10, 2026 |