Navient (NAVI) vs PayPal (PYPL)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Navient (NAVI) has outperformed PayPal (PYPL) over the past year, losing 26.1% versus a loss of 26.7%. Over five years, NAVI leads with a -54.4% price change compared with -79.3% for PYPL. PayPal is the larger company by market cap ($47.50 billion vs $854.4 million), about 55.6 times the size, while Navient is growing revenue faster (+125.1% vs +4.3%).
On valuation, Navient trades at a lower forward P/E (9.4x vs 9.6x for PayPal). Navient offers the higher dividend yield (7.03% vs 1.01%). PayPal converts more of its revenue into profit, with a net margin of 15.8% 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 | NAVI | PYPL |
|---|---|---|
| Share price | $9.11 | $55.53 |
| Market cap | $854.37M | $47.50B |
| 1-day change | -1.73% | +0.93% |
| YTD return | -29.92% | -4.88% |
| 1-year return | -26.06% | -26.69% |
| 5-year return | -54.40% | -79.31% |
| P/E ratio (TTM) | — | 10.40 |
| Forward P/E | 9.37 | 9.61 |
| EPS (TTM) | $-0.49 | $5.34 |
| Dividend yield | 7.03% | 1.01% |
| Annual dividend | $0.64 | $0.56 |
| Revenue (latest FY) | $610.00M | $33.17B |
| Revenue growth (YoY) | +125.09% | +4.32% |
| Net income (latest FY) | $-80.00M | $5.23B |
| Operating margin | — | 18.28% |
| Net margin | -13.11% | 15.78% |
| 52-week high | $13.48 | $79.22 |
| 52-week low | $7.33 | $38.46 |
| Distance from 52-week high | -32.42% | -29.90% |
| Analyst consensus | hold | hold |
| Avg. price target upside | -1.98% | +2.45% |
| Average volume | 1.22M | 14.16M |
| Shares outstanding | 93.78M | 855.46M |
| Employees | 670 | 23,800 |
| Sector | Finance | Industrials |
| Industry | Investment Bankers/Brokers/Service | Diversified Commercial 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
- PayPal is about 55.6 times larger than Navient by market value ($47.50B vs $854.37M).
- Navient offers a meaningfully higher dividend yield (7.03% vs 1.01%).
- PayPal is more profitable, keeping 15.8 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 +4.32%).
- The two companies sit in different sectors: Navient in Finance and PayPal in Industrials.
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 PayPal
PYPL stock →PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide.
Industrials · Diversified Commercial Services · 23,800 employees
NAVI vs PYPL FAQ
Which is bigger, Navient or PayPal?
PayPal (PYPL) is larger, with a market capitalization of $47.50B compared with $854.37M for Navient (NAVI).
Which stock has performed better over the past year, NAVI or PYPL?
NAVI returned -26.06% over the past 12 months, compared with -26.69% for PYPL (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Navient or PayPal?
Navient has the higher yield at 7.03%, compared with 1.01% for PayPal.
Are Navient and PayPal in the same industry?
No. Navient is in the Finance sector, while PayPal is in Industrials.