NAVI vs SLM
NAVI: Navient services federal student loans and earns revenue through interest rate spreads, but faces significant headwinds from regulatory changes and declining profitability. SLM: Sallie Mae is a leading provider of private student loans designed to help students and families achieve their higher education goals.
Side-by-side fundamentals
| Metric | NAVI | SLM | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $8.44 | $24.18 | |
| Market cap as of 2026-07-26 | $774M | $4.6B | |
| P/E as of 2026-07-26 | n/a | 6.12 | |
| PEG as of 2026-07-26 | n/a | 1.37 | |
| Net margin as of 2026-07-26 | -11.6% | +19.7% | SLM higher |
| Gross margin as of 2026-07-26 | +109.6% | n/a | |
| Operating margin as of 2026-07-26 | -14.3% | +26.7% | SLM higher |
| ROE as of 2026-07-26 | -2.5% | +31.2% | SLM higher |
| ROA as of 2026-07-26 | -0.1% | +2.5% | SLM higher |
| Debt / equity as of 2026-07-26 | 18.96 | 2.53 | SLM lower |
| Revenue growth (YoY) as of 2026-07-26 | -29.1% | +31.5% | SLM higher |
| Revenue CAGR (3y) SEC XBRL | -18.8% | n/a | |
| Dividend yield as of 2026-07-26 | +7.6% | +2.2% | NAVI higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-26 | 1.19 | 1.00 | |
| 1-year return as of 2026-07-23 close | -39.9% | -24.1% | SLM higher |
Fundamentals: Finnhub, as of 2026-07-26. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
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.