Navient (NAVI) vs PRA Group (PRAA)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
PRA Group (PRAA) has outperformed Navient (NAVI) over the past year, gaining 45.9% versus a loss of 26.1%. Over five years, PRAA leads with a -52.7% price change compared with -54.4% for NAVI. Navient is the larger company by market cap ($854.4 million vs $754.1 million), about 1.1 times the size.
On valuation, PRA Group trades at a lower forward P/E (7.7x vs 9.4x for Navient). Navient pays a dividend yielding 7.03%, while PRA Group 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 | PRAA |
|---|---|---|
| Share price | $9.11 | $20.03 |
| Market cap | $854.37M | $754.09M |
| 1-day change | -1.73% | -1.43% |
| YTD return | -29.92% | +13.23% |
| 1-year return | -26.06% | +45.88% |
| 5-year return | -54.40% | -52.71% |
| Forward P/E | 9.37 | 7.70 |
| EPS (TTM) | $-0.49 | $-6.78 |
| Dividend yield | 7.03% | 0.00% |
| Annual dividend | $0.64 | $0.00 |
| 52-week high | $13.48 | $22.55 |
| 52-week low | $7.33 | $10.25 |
| Distance from 52-week high | -32.42% | -11.18% |
| Analyst consensus | hold | none |
| Avg. price target upside | -1.98% | +29.81% |
| Average volume | 1.23M | 409.62K |
| Shares outstanding | 93.78M | 37.65M |
| Employees | 670 | 2,417 |
| Sector | Finance | Finance |
| Industry | Investment Bankers/Brokers/Service | Finance Companies |
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
- PRAA has outperformed NAVI by 71.9 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 PRA Group
PRAA stock →PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of nonperforming loan portfolios in the United States, Europe, the United Kingdom, South America, Canada, and Australia. The company purchases loans from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed.
Finance · Finance Companies · 2,417 employees
NAVI vs PRAA FAQ
Which is bigger, Navient or PRA Group?
Navient (NAVI) is larger, with a market capitalization of $854.37M compared with $754.09M for PRA Group (PRAA).
Which stock has performed better over the past year, NAVI or PRAA?
PRAA returned +45.88% 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 PRA Group?
Navient pays a dividend yielding 7.03%, while PRA Group does not currently pay a regular dividend.
Are Navient and PRA Group in the same industry?
Both are in the Finance sector, but in different industries: Investment Bankers/Brokers/Service for Navient and Finance Companies for PRA Group.