FirstCash (FCFS) vs Navient (NAVI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
FirstCash (FCFS) has outperformed Navient (NAVI) over the past year, gaining 38.4% versus a loss of 26.1%. Over five years, FCFS leads with a +146.9% price change compared with -54.4% for NAVI. FirstCash is the larger company by market cap ($9.27 billion vs $854.4 million), about 10.8 times the size, while Navient is growing revenue faster (+125.1% vs +8.0%).
On valuation, Navient trades at a lower forward P/E (9.4x vs 16.5x for FirstCash). Navient offers the higher dividend yield (7.03% vs 0.79%). FirstCash converts more of its revenue into profit, with a net margin of 9.0% versus -13.1%.
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 | FCFS | NAVI |
|---|---|---|
| Share price | $213.70 | $9.11 |
| Market cap | $9.27B | $854.37M |
| 1-day change | +1.04% | -1.73% |
| YTD return | +34.08% | -29.92% |
| 1-year return | +38.40% | -26.06% |
| 5-year return | +146.91% | -54.40% |
| P/E ratio (TTM) | 24.31 | — |
| Forward P/E | 16.46 | 9.37 |
| EPS (TTM) | $8.79 | $-0.49 |
| Dividend yield | 0.79% | 7.03% |
| Annual dividend | $1.68 | $0.64 |
| Revenue (latest FY) | $3.66B | $610.00M |
| Revenue growth (YoY) | +8.04% | +125.09% |
| Net income (latest FY) | $330.38M | $-80.00M |
| Gross margin | 50.28% | — |
| Net margin | 9.02% | -13.11% |
| 52-week high | $238.93 | $13.48 |
| 52-week low | $146.77 | $7.33 |
| Distance from 52-week high | -10.56% | -32.42% |
| Analyst consensus | strong_buy | hold |
| Avg. price target upside | +16.87% | -1.98% |
| Average volume | 418.02K | 1.23M |
| Shares outstanding | 43.37M | 93.78M |
| Employees | — | 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
- FirstCash is about 10.8 times larger than Navient by market value ($9.27B vs $854.37M).
- FCFS has outperformed NAVI by 64.5 percentage points over the past year.
- Navient offers a meaningfully higher dividend yield (7.03% vs 0.79%).
- FirstCash is more profitable, keeping 9.0 cents of every revenue dollar as net income versus -13.1 cents for Navient.
- Navient grew revenue faster in its latest fiscal year (+125.09% vs +8.04%).
About FirstCash
FCFS stock →FirstCash Holdings, Inc., together with its subsidiaries, operates retail pawn stores in the United States, Mexico, rest of Latin America, and the United Kingdom. The company operates through four segments: U.S.
Financial Services · Credit Services
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
FCFS vs NAVI FAQ
Which is bigger, FirstCash or Navient?
FirstCash (FCFS) is larger, with a market capitalization of $9.27B compared with $854.37M for Navient (NAVI).
Which stock has performed better over the past year, FCFS or NAVI?
FCFS returned +38.40% over the past 12 months, compared with -26.06% for NAVI (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, FirstCash or Navient?
Navient has the higher yield at 7.03%, compared with 0.79% for FirstCash.
Are FirstCash and Navient in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.