NAVI vs ONIT
NAVI: Navient services federal student loans and earns revenue through interest rate spreads, but faces significant headwinds from regulatory changes and declining profitability. ONIT: Onity is a mortgage servicing and origination company managing 1.4 million loans worth $328 billion in principal through forward and reverse mortgage platforms built for efficiency and institutional scale.
Side-by-side fundamentals
| Metric | NAVI | ONIT | Edge |
|---|---|---|---|
| Price as of 2026-07-30 close | $8.45 | $39.85 | |
| Market cap as of 2026-07-31 | $794M | $336M | |
| P/E as of 2026-07-31 | n/a | 1.79 | |
| PEG as of 2026-07-31 | n/a | 0.00 | |
| Net margin as of 2026-07-31 | -11.6% | +15.7% | ONIT higher |
| Gross margin as of 2026-07-31 | +109.6% | +94.2% | NAVI higher |
| Operating margin as of 2026-07-31 | -14.3% | +36.6% | ONIT higher |
| ROE as of 2026-07-31 | -2.5% | +28.6% | ONIT higher |
| ROA as of 2026-07-31 | -0.1% | +1.1% | ONIT higher |
| Debt / equity as of 2026-07-31 | 18.96 | 23.71 | NAVI lower |
| Revenue growth (YoY) as of 2026-07-31 | -29.1% | +12.6% | ONIT higher |
| Revenue CAGR (3y) SEC XBRL | -18.8% | +3.8% | ONIT higher |
| Dividend yield as of 2026-07-31 | +7.6% | +1.3% | NAVI higher |
| Dividend streak (yrs) SEC XBRL | 5 | n/a | |
| Beta as of 2026-07-31 | 1.01 | 1.45 | |
| 1-year return as of 2026-07-30 close | -33.4% | +3.8% | ONIT higher |
Fundamentals: market data, as of 2026-07-31. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-30.
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.