NAVI vs OMF
NAVI: Navient services federal student loans and earns revenue through interest rate spreads, but faces significant headwinds from regulatory changes and declining profitability. OMF: A leading consumer finance company providing personal loans, auto finance, and credit card products to non-prime customers through a hybrid branch and digital model.
Side-by-side fundamentals
| Metric | NAVI | OMF | Edge |
|---|---|---|---|
| Price as of 2026-07-31 close | $8.39 | $61.26 | |
| Market cap as of 2026-08-03 | $788M | $7.1B | |
| P/E as of 2026-08-03 | n/a | 9.08 | |
| PEG as of 2026-08-03 | n/a | 0.65 | |
| Net margin as of 2026-08-03 | -11.6% | +12.6% | OMF higher |
| Gross margin as of 2026-08-03 | +109.6% | +79.8% | NAVI higher |
| Operating margin as of 2026-08-03 | -14.3% | +16.1% | OMF higher |
| ROE as of 2026-08-03 | -2.5% | +23.6% | OMF higher |
| ROA as of 2026-08-03 | -0.1% | +2.9% | OMF higher |
| Debt / equity as of 2026-08-03 | 18.96 | 6.63 | OMF lower |
| Revenue growth (YoY) as of 2026-08-03 | -29.1% | +7.8% | OMF higher |
| Revenue CAGR (3y) SEC XBRL | -18.8% | n/a | |
| Dividend yield as of 2026-08-03 | +7.6% | +6.7% | NAVI higher |
| Dividend streak (yrs) SEC XBRL | 5 | 4 | NAVI higher |
| Beta as of 2026-08-03 | 1.02 | 1.21 | |
| 1-year return as of 2026-07-31 close | -35.2% | +3.1% | OMF higher |
Fundamentals: market data, as of 2026-08-03. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-31.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.