Navient (NAVI) vs Qfin (QFIN)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Navient (NAVI) has outperformed Qfin (QFIN) over the past year, losing 25.5% versus a loss of 78.6%. Over five years, NAVI leads with a -53.6% price change compared with -70.2% for QFIN. Navient is the larger company by market cap ($859.1 million vs $760.5 million), about 1.1 times the size.
On valuation, Qfin trades at a lower forward P/E (2.2x vs 9.4x for Navient). Qfin offers the higher dividend yield (135.12% vs 6.99%).
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 | QFIN |
|---|---|---|
| Share price | $9.16 | $6.26 |
| Market cap | $859.06M | $760.50M |
| 1-day change | -1.19% | +2.63% |
| YTD return | -28.69% | -68.37% |
| 1-year return | -25.48% | -78.63% |
| 5-year return | -53.60% | -70.24% |
| P/E ratio (TTM) | — | 1.50 |
| Forward P/E | 9.42 | 2.18 |
| EPS (TTM) | $-0.49 | $4.18 |
| Dividend yield | 6.99% | 135.12% |
| Annual dividend | $0.64 | $8.45 |
| 52-week high | $13.48 | $28.99 |
| 52-week low | $7.33 | $5.93 |
| Distance from 52-week high | -32.05% | -78.42% |
| Analyst consensus | hold | buy |
| Avg. price target upside | -2.51% | +136.77% |
| Average volume | 1.23M | 2.10M |
| Shares outstanding | 93.78M | 121.58M |
| Employees | 670 | 3,557 |
| 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
- NAVI has outperformed QFIN by 53.1 percentage points over the past year.
- Qfin offers a meaningfully higher dividend yield (135.12% vs 6.99%).
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 Qfin
QFIN stock →Qfin Holdings, Inc., together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao brand in the People's Republic of China. The company provides credit-driven services that match borrowers with financial institutions to conduct borrower acquisition, credit assessment, fund matching, and post-facilitation services; and platform services, including loan and post-facilitation services to financial institution partners under capital light model, intelligence credit engine, referral services, and other technology solutions.
Finance · Finance: Consumer Services · 3,557 employees
NAVI vs QFIN FAQ
Which is bigger, Navient or Qfin?
Navient (NAVI) is larger, with a market capitalization of $859.06M compared with $760.50M for Qfin (QFIN).
Which stock has performed better over the past year, NAVI or QFIN?
NAVI returned -25.48% over the past 12 months, compared with -78.63% for QFIN (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Navient or Qfin?
Qfin has the higher yield at 135.12%, compared with 6.99% for Navient.
Are Navient and Qfin 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 Qfin.