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NAVI vs V

NAVI
Navient Corporation
BEARISH
Price
$8.28
Market Cap
$787.3M
Sector
Financial Services
AI Confidence
90%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
NAVI
--
V
28.35
Forward P/E
NAVI
8.71
V
20.79
P/B Ratio
NAVI
0.33
V
15.09
P/S Ratio
NAVI
2.39
V
14.08
EV/EBITDA
NAVI
--
V
20.06

Profitability

Gross Margin
NAVI
100.0%
V
97.78%
Operating Margin
NAVI
4.3%
V
68.3%
Profit Margin
NAVI
-24.24%
V
50.23%
ROE
NAVI
-3.17%
V
53.95%
ROA
NAVI
-0.16%
V
18.36%

Growth

Revenue Growth
NAVI
-54.9%
V
14.6%
Earnings Growth
NAVI
--
V
17.4%

Financial Health

Debt/Equity
NAVI
19.09
V
0.55
Current Ratio
NAVI
9.24
V
1.11
Quick Ratio
NAVI
8.95
V
0.72

Dividends

Dividend Yield
NAVI
7.84%
V
0.89%
Payout Ratio
NAVI
200.0%
V
22.91%

AI Verdict

NAVI BEARISH

Navient Corporation exhibits severe financial distress, highlighted by a weak Piotroski F-Score of 2/9 and a completely bearish technical trend (0/100). While the stock appears cheap on a Price-to-Book basis (0.33), this is likely a value trap given the catastrophic revenue decline of -54.90% YoY and negative profit margins. The dividend is fundamentally unsustainable with a 200% payout ratio, and the extreme Debt/Equity ratio of 19.09 indicates precarious leverage. Recent earnings performance is dismal, with zero beats in the last four quarters and massive negative surprises.

Strengths
Deeply discounted Price-to-Book ratio of 0.33
Strong short-term liquidity indicated by a Current Ratio of 9.24
High nominal dividend yield of 7.84%
Risks
Severe revenue contraction (-54.90% YoY and -45.42% Q/Q)
Extreme financial leverage with a Debt/Equity ratio of 19.09
Unsustainable dividend payout ratio of 200%
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

NAVI vs V: Head-to-Head Comparison

This page compares Navient Corporation (NAVI) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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