Navient (NAVI) vs Oportun Financial (OPRT)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Oportun Financial (OPRT) has outperformed Navient (NAVI) over the past year, gaining 65.5% versus a loss of 26.1%. Over five years, NAVI leads with a -54.4% price change compared with -64.7% for OPRT. Navient is the larger company by market cap ($854.4 million vs $410.2 million), about 2.1 times the size.
On valuation, Oportun Financial trades at a lower forward P/E (4.6x vs 9.4x for Navient). Navient pays a dividend yielding 7.03%, while Oportun Financial 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 | NAVI | OPRT |
|---|---|---|
| Share price | $9.11 | $8.92 |
| Market cap | $854.37M | $410.21M |
| 1-day change | -1.73% | +3.00% |
| YTD return | -29.92% | +68.62% |
| 1-year return | -26.06% | +65.49% |
| 5-year return | -54.40% | -64.69% |
| P/E ratio (TTM) | — | 22.30 |
| Forward P/E | 9.37 | 4.57 |
| EPS (TTM) | $-0.49 | $0.40 |
| Dividend yield | 7.03% | 0.00% |
| Annual dividend | $0.64 | $0.00 |
| Revenue (latest FY) | $610.00M | — |
| Revenue growth (YoY) | +125.09% | — |
| Net income (latest FY) | $-80.00M | — |
| Net margin | -13.11% | — |
| 52-week high | $13.48 | $9.07 |
| 52-week low | $7.33 | $4.03 |
| Distance from 52-week high | -32.42% | -1.65% |
| Analyst consensus | hold | buy |
| Avg. price target upside | -1.98% | +17.71% |
| Average volume | 1.23M | 540.63K |
| Shares outstanding | 93.78M | 45.99M |
| Employees | 670 | 2,405 |
| Sector | Finance | Finance |
| Industry | Investment Bankers/Brokers/Service | Finance: Consumer 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
- Navient is about 2.1 times larger than Oportun Financial by market value ($854.37M vs $410.21M).
- OPRT has outperformed NAVI by 91.5 percentage points over the past year.
- Navient offers a meaningfully higher dividend yield (7.03% vs 0.00%).
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.
Finance · Investment Bankers/Brokers/Service · 670 employees
About Oportun Financial
OPRT stock →Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards.
Finance · Finance: Consumer Services · 2,405 employees
NAVI vs OPRT FAQ
Which is bigger, Navient or Oportun Financial?
Navient (NAVI) is larger, with a market capitalization of $854.37M compared with $410.21M for Oportun Financial (OPRT).
Which stock has performed better over the past year, NAVI or OPRT?
OPRT returned +65.49% 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, Navient or Oportun Financial?
Navient pays a dividend yielding 7.03%, while Oportun Financial does not currently pay a regular dividend.
Are Navient and Oportun Financial in the same industry?
Both are in the Finance sector, but in different industries: Investment Bankers/Brokers/Service for Navient and Finance: Consumer Services for Oportun Financial.