Affirm (AFRM) vs Navient (NAVI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Affirm (AFRM) has outperformed Navient (NAVI) over the past year, losing 1.7% versus a loss of 28.3%. Over five years, AFRM leads with a -48.7% price change compared with -54.8% for NAVI. Affirm is the larger company by market cap ($25.41 billion vs $847.8 million), about 30.0 times the size.
On valuation, Navient trades at a lower forward P/E (9.3x vs 15.6x for Affirm). Navient pays a dividend yielding 7.08%, while Affirm does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AFRM | NAVI |
|---|---|---|
| Share price | $75.31 | $9.04 |
| Market cap | $25.41B | $847.81M |
| 1-day change | +0.57% | +1.23% |
| YTD return | +1.18% | -30.46% |
| 1-year return | -1.75% | -28.25% |
| 5-year return | -48.67% | -54.75% |
| P/E ratio (TTM) | 13.54 | — |
| Forward P/E | 15.60 | 9.30 |
| EPS (TTM) | $5.56 | $-0.50 |
| Dividend yield | 0.00% | 7.08% |
| Annual dividend | $0.00 | $0.64 |
| Revenue (latest FY) | $4.26B | — |
| Revenue growth (YoY) | +32.15% | — |
| Net income (latest FY) | $1.93B | — |
| Operating margin | 9.79% | — |
| Net margin | 45.29% | — |
| 52-week high | $90.44 | $13.48 |
| 52-week low | $42.10 | $7.33 |
| Distance from 52-week high | -16.73% | -32.94% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +31.01% | -1.22% |
| Average volume | 4.22M | 1.21M |
| Shares outstanding | 296.88M | 93.78M |
| Employees | 2,358 | 670 |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Affirm is about 30.0 times larger than Navient by market value ($25.41B vs $847.81M).
- AFRM has outperformed NAVI by 26.5 percentage points over the past year.
- Navient offers a meaningfully higher dividend yield (7.08% vs 0.00%).
About Affirm
AFRM stock →Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally.
Financial Services · Credit Services · 2,358 employees
About Navient
NAVI stock →Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending.
Financial Services · Credit Services · 670 employees
AFRM vs NAVI FAQ
Which is bigger, Affirm or Navient?
Affirm (AFRM) is larger, with a market capitalization of $25.41B compared with $847.81M for Navient (NAVI).
Which stock has performed better over the past year, AFRM or NAVI?
AFRM returned -1.75% over the past 12 months, compared with -28.25% for NAVI (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Affirm or Navient?
Navient pays a dividend yielding 7.08%, while Affirm does not currently pay a regular dividend.
Are Affirm and Navient in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.