Capital One Financial (COF) 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
Capital One Financial (COF) has outperformed Navient (NAVI) over the past year, losing 8.3% versus a loss of 28.3%. Over five years, COF leads with a +16.3% price change compared with -54.8% for NAVI. Capital One Financial is the larger company by market cap ($120.19 billion vs $847.8 million), about 141.8 times the size.
On valuation, Capital One Financial trades at a lower forward P/E (8.2x vs 9.3x for Navient). Navient offers the higher dividend yield (7.08% vs 1.53%).
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 | COF | NAVI |
|---|---|---|
| Share price | $195.91 | $9.04 |
| Market cap | $120.19B | $847.81M |
| 1-day change | +0.05% | +1.23% |
| YTD return | -19.17% | -30.46% |
| 1-year return | -8.32% | -28.25% |
| 5-year return | +16.35% | -54.75% |
| P/E ratio (TTM) | 12.58 | — |
| Forward P/E | 8.24 | 9.30 |
| EPS (TTM) | $15.57 | $-0.50 |
| Dividend yield | 1.53% | 7.08% |
| Annual dividend | $3.00 | $0.64 |
| Revenue (latest FY) | $53.43B | — |
| Revenue growth (YoY) | +36.62% | — |
| Net income (latest FY) | $2.45B | — |
| Net margin | 4.59% | — |
| 52-week high | $259.64 | $13.48 |
| 52-week low | $174.24 | $7.33 |
| Distance from 52-week high | -24.55% | -32.94% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +31.28% | -1.22% |
| Average volume | 3.63M | 1.21M |
| Shares outstanding | 613.48M | 93.78M |
| Employees | 78,400 | 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
- Capital One Financial is about 141.8 times larger than Navient by market value ($120.19B vs $847.81M).
- COF has outperformed NAVI by 19.9 percentage points over the past year.
- Navient offers a meaningfully higher dividend yield (7.08% vs 1.53%).
About Capital One Financial
COF stock →Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking.
Financial Services · Credit Services · 78,400 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
COF vs NAVI FAQ
Which is bigger, Capital One Financial or Navient?
Capital One Financial (COF) is larger, with a market capitalization of $120.19B compared with $847.81M for Navient (NAVI).
Which stock has performed better over the past year, COF or NAVI?
COF returned -8.32% 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, Capital One Financial or Navient?
Navient has the higher yield at 7.08%, compared with 1.53% for Capital One Financial.
Are Capital One Financial and Navient in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.