Jefferson Capital (JCAP) 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
Jefferson Capital (JCAP) has outperformed Navient (NAVI) over the past year, gaining 10.9% versus a loss of 28.3%. Jefferson Capital is the larger company by market cap ($1.15 billion vs $847.8 million), about 1.4 times the size. On valuation, Jefferson Capital trades at a lower forward P/E (6.5x vs 9.3x for Navient).
Navient offers the higher dividend yield (7.08% vs 2.40%).
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 | JCAP | NAVI |
|---|---|---|
| Share price | $20.02 | $9.04 |
| Market cap | $1.15B | $847.81M |
| 1-day change | +0.81% | +1.23% |
| YTD return | -10.38% | -30.46% |
| 1-year return | +10.85% | -28.25% |
| 5-year return | — | -54.75% |
| P/E ratio (TTM) | 22.00 | — |
| Forward P/E | 6.51 | 9.30 |
| EPS (TTM) | $0.91 | $-0.50 |
| Dividend yield | 2.40% | 7.08% |
| Annual dividend | $0.48 | $0.64 |
| 52-week high | $24.44 | $13.48 |
| 52-week low | $15.50 | $7.33 |
| Distance from 52-week high | -18.09% | -32.94% |
| Analyst consensus | none | hold |
| Avg. price target upside | +40.86% | -1.22% |
| Average volume | 325.58K | 1.21M |
| Shares outstanding | 57.43M | 93.78M |
| Employees | 1,120 | 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
- JCAP has outperformed NAVI by 39.1 percentage points over the past year.
- Navient offers a meaningfully higher dividend yield (7.08% vs 2.40%).
About Jefferson Capital
JCAP stock →Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America.
Financial Services · Credit Services · 1,120 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
JCAP vs NAVI FAQ
Which is bigger, Jefferson Capital or Navient?
Jefferson Capital (JCAP) is larger, with a market capitalization of $1.15B compared with $847.81M for Navient (NAVI).
Which stock has performed better over the past year, JCAP or NAVI?
JCAP returned +10.85% 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, Jefferson Capital or Navient?
Navient has the higher yield at 7.08%, compared with 2.40% for Jefferson Capital.
Are Jefferson Capital and Navient in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.