NAVI vs PRAA
NAVI: Navient services federal student loans and earns revenue through interest rate spreads, but faces significant headwinds from regulatory changes and declining profitability. PRAA: Global specialist in purchasing and collecting nonperforming consumer loan portfolios through disciplined, data-driven recovery strategies across 12+ countries.
Side-by-side fundamentals
| Metric | NAVI | PRAA | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $8.61 | $16.90 | |
| Market cap as of 2026-07-23 | $816M | $666M | |
| Net margin as of 2026-07-23 | -11.6% | -22.5% | NAVI higher |
| Gross margin as of 2026-07-23 | +109.6% | +80.3% | NAVI higher |
| Operating margin as of 2026-07-23 | -14.3% | +3.0% | PRAA higher |
| ROE as of 2026-07-23 | -2.5% | -26.4% | NAVI higher |
| ROA as of 2026-07-23 | -0.1% | -5.4% | NAVI higher |
| Debt / equity as of 2026-07-23 | 18.96 | 3.85 | PRAA lower |
| Revenue growth (YoY) as of 2026-07-23 | -29.1% | +10.5% | PRAA higher |
| Revenue CAGR (3y) SEC XBRL | -18.8% | +7.5% | PRAA higher |
| Dividend yield as of 2026-07-23 | +7.4% | n/a | |
| Dividend streak (yrs) SEC XBRL | 5 | n/a | |
| Beta as of 2026-07-23 | 1.19 | 1.07 | |
| 1-year return as of 2026-07-22 close | -39.1% | +7.2% | PRAA higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.