Navient's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Navient (NAVI) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Navient vs Its Competitors
- TTM: Trailing 12-month revenue of 329M vs 336,105M combined for its competitors (0.1% combined share).
- Scale: Navient ranks #67 of 90 companies by market capitalization in the Investment Services industry, holding 0.0% of industry market cap.
- Peer differentiation: Revenue per employee of $0.04M compares with $0.51M for the peer group (0.1x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
API endpoints for this dataset
Navient vs. its Competitors, Q2 2026
Net income growth, year on year
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Navient reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Navient and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Navient Corporation | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (1) | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (9) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Navient's competitor groups requires a Commercial License.
Navient's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Navient Corporation | - | - | - | Yes |
| Competitors combined (14) | ||||
| High-Confidence Competitors (1) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
NAVI Stock Performance relative to its Competitors
NAVI Stock Performance relative to High-Confidence Competitors
NAVI Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Discover Financial Services | 282.9% | Outperformed |
| 2 | Comerica Incorporated | 282.9% | Outperformed |
| 3 | Fifth Third Bancorp | 282.9% | Outperformed |
| 4 | Pnc Financial Services Group Inc | 282.9% | Outperformed |
| 5 | M and t Bank Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Navient's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Navient's Comment on Competition and Industry Peers
Publicly Traded Peers of Navient Corporation
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Navient Corporation |
744.80 | 329.00 |
 Bank Of America Corporation |
365,082.21 | 122,968.00 |
 Citigroup inc |
211,743.20 | 91,360.00 |
 Capital one financial corp |
121,034.51 | 54,798.00 |
 Pnc Financial Services Group Inc |
92,751.30 | 25,673.00 |
 Discover Financial Services |
50,412.60 | 13,343.00 |
| SUBTOTAL | 1,007,004.16 | 354,468.30 |
Sign in to see all competitors of Navient Corporation.
Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Navient Corporation versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Navient's Competitors Named by the Company
Competitive relationships identified from Navient reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Nelnet Inc | Company report | 85% |
| Slm Corporation | Company report | 85% |
| Slm Corp | Company report | 85% |
| Capital one financial corp | Company report | 85% |
| Discover Financial Services | Company report | 85% |
Company report basis, confidence, active dates and source counts for Navient's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
Navient's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| Capital one financial corp | Credit Card 74.32 % |
| Aci Worldwide Inc | Payment Software 50.14 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Navient's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Navient Corporation | 745 | 35,414 | -5,382 |
| Bank Of America Corporation | 365,082 | 577,315 | 150,793 |
| Citigroup inc | 211,743 | 404,248 | 80,004 |
| Capital one financial corp | 121,035 | 718,191 | 142,595 |
| Pnc Financial Services Group Inc | 92,751 | 463,973 | 143,513 |
| Discover Financial Services | 50,413 | 632,370 | 222,844 |
| PEERS TOTAL | 1,006,259 | 512,121 | 126,941 |
Sign in to see all peers for Navient Corporation.
Navient's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Aci Worldwide Inc | United States 64.29 % |
Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Navient's Position in Industry Market Structure
Market-capitalization share and concentration across all 88 companies in Navient's industry classification, broader than the peer set above. Market cap in millions of $.Navient ranks #67 of 88 companies by market capitalization in its industry, holding 0.03 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 583, indicating a unconcentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Morgan Stanley | 293,576 | 12.58 % |
| 2 | The Goldman Sachs Group Inc | 276,306 | 11.84 % |
| 3 | Blackrock Inc | 199,999 | 8.57 % |
| 4 | Schwab Charles Corp | 161,257 | 6.91 % |
| 5 | Futu Holdings Ltd | 1,234 | 5.2% |
| 6 | Cme Group Inc | 1,234 | 5.2% |
| 7 | Blackstone Inc | 1,234 | 5.2% |
| 8 | Intercontinental Exchange Inc | 1,234 | 5.2% |
| 9 | Kkr and co inc | 1,234 | 5.2% |
| 10 | Brookfield Asset Management Ltd | 1,234 | 5.2% |
| 67 | Navient Corporation | 745 | 0.03 % |
Market cap and industry share for the rest of Navient's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-11-09.
Navient's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 62 | Patria Investments Limited | 1,441 | -35.84 % |
| 63 | Ridgepost Capital Inc | 1,190 | -4.81 % |
| 64 | Oppenheimer Holdings Inc | 1,064 | 37.12 % |
| 65 | Virtus Investment Partners Inc | 950 | -16.40 % |
| 66 | Abacus Global Management Inc | 1,234 | 12.3% |
| 67 | Navient Corporation | 745 | -30.85 % |
| 68 | Vinci Compass Investments Ltd | 1,234 | 12.3% |
| 69 | Value Line Inc | 1,234 | 12.3% |
| 70 | Alti Global Inc | 1,234 | 12.3% |
| 71 | Westwood Holdings Group Inc | 1,234 | 12.3% |
| 72 | Brc Group Holdings Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Navient's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-11-09. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Navient's Valuation vs Competitive Position
Valuation multiples vs the Investment Services industry average (142 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Investment Services industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | - | 24.4x | - |
| EV / EBITDA | - | 12.6x | - |
| P/B | 0.3x | 3.5x | -3.2x |
| Return on Equity | -2.08 % | industry aggregate | -17.93 % |
| Return on Invested Capital | - | 6.42 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Navient's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -11.78 % | 13.42 % | -14.36 % | 44.01 % | -24.60 % | -30.76 % | -38.41 % | -53.32 % |
| Operating Margin | 33.59 % | 42.79 % | 34.84 % | 42.56 % | 49.88 % | 27.26 % | 3.82 % | -33.64 % |
| Return on Invested Capital | 0.49 % | 0.82 % | 0.62 % | 1.13 % | 1.05 % | 0.56 % | 0.05 % | -0.23 % |
| P/E | 7.2x | 5.5x | 4.7x | 5.1x | 3.7x | 9.7x | 12.9x | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Navient's BCG Growth-Share Matrix
See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.
Navient falls in the Dog quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 9.4% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Navient's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 583 (see Industry Market Structure & Concentration above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Navient's dedicated Suppliers and Customers pages, not here.
Navient's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Navient falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Navient's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Return on equity 17.9 points below the industry aggregate.
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Low relative market share vs the industry leader (0.00x).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
No rule matched.
Threats
No rule matched.
Methodology: see Methodology: SWOT Analysis.
Navient's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Navient Corporation | 0.19 | 20.82 | 18.88 |
| Bank Of America Corporation | 0.10 | 0.52 | 1.27 |
| Citigroup inc | 0.07 | 0.40 | 1.78 |
| Capital one financial corp | 0.05 | 1.03 | 0.58 |
| Pnc Financial Services Group Inc | 0.04 | 0.02 | 1.20 |
| Discover Financial Services | 0.13 | 1.36 | 0.04 |
Sign in to see all peers for Navient Corporation.
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Navient's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Navient Corporation | Q2 2026 | - | +78.6 % |
| Bank Of America Corporation | Q3 2026 | +3.2 % | -16.8 % |
| Citigroup inc | Q2 2026 | +14.3 % | +44.6 % |
| Capital one financial corp | Q3 2026 | +29.3 % | +12.0 % |
| Pnc Financial Services Group Inc | Q3 2026 | +10.9 % | +14.2 % |
| Discover Financial Services | Q1 2025 | +12.9 % | +25.6 % |
| PEERS TOTAL | +11.4 % | +2.8 % |
Sign in to see all peers for Navient Corporation.
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Navient's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Navient Corporation | Q2 2026 | -7.8 % | - |
| Bank Of America Corporation | Q3 2026 | - | - |
| Citigroup inc | Q2 2026 | - | -11.6 % |
| Capital one financial corp | Q3 2026 | +7.4 % | +1.3 % |
| Pnc Financial Services Group Inc | Q3 2026 | - | - |
| Discover Financial Services | Q1 2025 | -16.9 % | -9.9 % |
Sign in to see all peers for Navient Corporation.
Navient's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Navient Corporation | - | - | - |
| Bank Of America Corporation | 0.93% | 1.18% | 10.69% |
| Citigroup inc | 0.66% | 0.69% | 8.46% |
| Capital one financial corp | 1.61% | 1.59% | 9.69% |
| Pnc Financial Services Group Inc | 1.31% | 1.34% | 12.67% |
| Discover Financial Services | 3.14% | 3.18% | 26.87% |
Sign in to see all peers for Navient Corporation.
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Navient's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Navient Corporation | - | 2.26 |
| Bank Of America Corporation | 12.06 | 2.97 |
| Citigroup inc | 13.22 | 2.32 |
| Capital one financial corp | 11.30 | 2.21 |
| Pnc Financial Services Group Inc | 12.33 | 3.61 |
| Discover Financial Services | 10.69 | 3.78 |
| PEERS AVERAGE | 11.48 | 2.84 |
Sign in to see all peers for Navient Corporation.
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.