NAVI
Navient Corporation
Financial - Credit Services
Market Cap$821M
5Y Perf.+17.3%
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Stock Comparison
NAVI vs PRA
Revenue, margins, valuation, and 5-year total return — side by side.
PRA
ProAssurance Corporation
Insurance - Property & Casualty
Market Cap$1.27B
5Y Perf.+78.3%
NAVI vs PRA — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | NAVI | PRA |
|---|---|---|
| Industry | Financial - Credit Services | Insurance - Property & Casualty |
| Market Cap | $821M | $1.27B |
| Revenue (TTM) | $3.23B | $1.08B |
| Net Income (TTM) | $-60M | $65M |
| Gross Margin | 87.0% | 25.5% |
| Operating Margin | 77.1% | 8.4% |
| Forward P/E | 12.2x | 21.8x |
| Total Debt | $45.71B | $435M |
| Cash & Equiv. | $2.10B | $36M |
NAVI vs PRA — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
NAVI
PRA
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Navient Corporation (NAVI) | 100 | 117.3 | +17.3% |
| ProAssurance Corpor… (PRA) | 100 | 178.3 | +78.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: NAVI vs PRA
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PRA leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Navient Corporation is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
NAVI
Navient Corporation
The Banking Pick
NAVI is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 1 yrs, beta 0.92, yield 7.3%
- 15.3% 10Y total return vs PRA's -18.0%
- Lower P/E (12.2x vs 21.8x)
Best for: income & stability and long-term compounding
PRA
ProAssurance Corporation
The Insurance Pick
PRA carries the broadest edge in this set and is the clearest fit for growth exposure and sleep-well-at-night.
- Rev growth -2.7%, EPS growth -3.9%, 3Y rev CAGR -0.1%
- Lower volatility, beta 0.05, Low D/E 32.2%, current ratio 1.33x
- Beta 0.05, current ratio 1.33x
Best for: growth exposure and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PRA | -2.7% revenue growth vs NAVI's -23.7% |
| Value | NAVI | Lower P/E (12.2x vs 21.8x) |
| Quality / Margins | PRA | 6.0% margin vs NAVI's -2.5% |
| Stability / Safety | PRA | Beta 0.05 vs NAVI's 0.92, lower leverage |
| Dividends | NAVI | 7.3% yield; 1-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | PRA | +7.1% vs NAVI's -25.4% |
| Efficiency (ROA) | PRA | 1.2% ROA vs NAVI's -0.1%, ROIC 3.2% vs 3.8% |
NAVI vs PRA — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
NAVI vs PRA — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNAVILAGGINGPRA
PRAProAssurance Corporat…
3leads
NAVINavient Corporation
3leads
6 Total Categories
CATEGORYLEADERvs PRAMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
NAVI4/5
Valuation MetricsMultiples, price ratios, and targets
NAVI5/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PRA6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
PRA5/6
Risk & VolatilityBeta, volatility, and downside exposure
PRA2/2
Analyst OutlookRatings, price targets, and dividends
NAVI1/1
Income & Cash Flow (Last 12 Months)
NAVI leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
NAVI is the larger business by revenue, generating $3.2B annually — 3.0x PRA's $1.1B. PRA is the more profitable business, keeping 6.0% of every revenue dollar as net income compared to NAVI's -2.5%.
| Metric | NAVINavient Corporati… | PRAProAssurance Corp… |
|---|---|---|
| RevenueTrailing 12 months | $3.2B | $1.1B |
| EBITDAEarnings before interest/tax | $544M | $101M |
| Net IncomeAfter-tax profit | -$60M | $65M |
| Free Cash FlowCash after capex | $323M | -$17M |
| Gross MarginGross profit ÷ Revenue | +87.0% | +25.5% |
| Operating MarginEBIT ÷ Revenue | +77.1% | +8.4% |
| Net MarginNet income ÷ Revenue | -2.5% | +6.0% |
| FCF MarginFCF ÷ Revenue | +13.7% | -1.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | -2.0% |
| EPS Growth (YoY)Latest quarter vs prior year | +9.7% | +2.5% |
NAVI leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
NAVI leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, NAVI's 17.8x EV/EBITDA is more attractive than PRA's 19.5x.
| Metric | NAVINavient Corporati… | PRAProAssurance Corp… |
|---|---|---|
| Market CapShares × price | $821M | $1.3B |
| Enterprise ValueMkt cap + debt − cash | $44.4B | $1.7B |
| Trailing P/EPrice ÷ TTM EPS | -10.78x | 24.85x |
| Forward P/EPrice ÷ next-FY EPS est. | 12.21x | 21.75x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 17.81x | 19.45x |
| Price / SalesMarket cap ÷ Revenue | 0.25x | 1.16x |
| Price / BookPrice ÷ Book value/share | 0.36x | 0.94x |
| Price / FCFMarket cap ÷ FCF | 1.86x | — |
NAVI leads this category, winning 5 of 5 comparable metrics.
Profitability & Efficiency
PRA leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
PRA delivers a 5.0% return on equity — every $100 of shareholder capital generates $5 in annual profit, vs $-2 for NAVI. PRA carries lower financial leverage with a 0.32x debt-to-equity ratio, signaling a more conservative balance sheet compared to NAVI's 19.05x. On the Piotroski fundamental quality scale (0–9), NAVI scores 5/9 vs PRA's 3/9, reflecting solid financial health.
| Metric | NAVINavient Corporati… | PRAProAssurance Corp… |
|---|---|---|
| ROE (TTM)Return on equity | -2.5% | +5.0% |
| ROA (TTM)Return on assets | -0.1% | +1.2% |
| ROICReturn on invested capital | +3.8% | +3.2% |
| ROCEReturn on capital employed | +5.5% | +4.0% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 3 |
| Debt / EquityFinancial leverage | 19.05x | 0.32x |
| Net DebtTotal debt minus cash | $43.6B | $399M |
| Cash & Equiv.Liquid assets | $2.1B | $36M |
| Total DebtShort + long-term debt | $45.7B | $435M |
| Interest CoverageEBIT ÷ Interest expense | 0.21x | 4.53x |
PRA leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
PRA leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PRA five years ago would be worth $9,564 today (with dividends reinvested), compared to $7,022 for NAVI. Over the past 12 months, PRA leads with a +7.1% total return vs NAVI's -25.4%. The 3-year compound annual growth rate (CAGR) favors PRA at 9.7% vs NAVI's -10.5% — a key indicator of consistent wealth creation.
| Metric | NAVINavient Corporati… | PRAProAssurance Corp… |
|---|---|---|
| YTD ReturnYear-to-date | -30.4% | +2.4% |
| 1-Year ReturnPast 12 months | -25.4% | +7.1% |
| 3-Year ReturnCumulative with dividends | -28.2% | +31.9% |
| 5-Year ReturnCumulative with dividends | -29.8% | -4.4% |
| 10-Year ReturnCumulative with dividends | +15.3% | -18.0% |
| CAGR (3Y)Annualised 3-year return | -10.5% | +9.7% |
PRA leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
PRA leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PRA is the less volatile stock with a 0.05 beta — it tends to amplify market swings less than NAVI's 0.92 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PRA currently trades 99.0% from its 52-week high vs NAVI's 54.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NAVINavient Corporati… | PRAProAssurance Corp… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.92x | 0.05x |
| 52-Week HighHighest price in past year | $16.07 | $24.85 |
| 52-Week LowLowest price in past year | $7.80 | $22.72 |
| % of 52W HighCurrent price vs 52-week peak | +54.3% | +99.0% |
| RSI (14)Momentum oscillator 0–100 | 48.0 | 52.6 |
| Avg Volume (50D)Average daily shares traded | 924K | 798K |
PRA leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
NAVI leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates NAVI as "Hold" and PRA as "Hold". Consensus price targets imply -0.7% upside for NAVI (target: $9) vs -25.5% for PRA (target: $18). NAVI is the only dividend payer here at 7.29% yield — a key consideration for income-focused portfolios.
| Metric | NAVINavient Corporati… | PRAProAssurance Corp… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $8.67 | $18.33 |
| # AnalystsCovering analysts | 24 | 11 |
| Dividend YieldAnnual dividend ÷ price | +7.3% | — |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $0.64 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +13.5% | 0.0% |
NAVI leads this category, winning 1 of 1 comparable metric.
Key Takeaway
NAVI leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). PRA leads in 3 (Profitability & Efficiency, Total Returns).
Best OverallNavient Corporation (NAVI)Leads 3 of 6 categories
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NAVI vs PRA: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is NAVI or PRA a better buy right now?
For growth investors, ProAssurance Corporation (PRA) is the stronger pick with -2.
7% revenue growth year-over-year, versus -23. 7% for Navient Corporation (NAVI). ProAssurance Corporation (PRA) offers the better valuation at 24. 8x trailing P/E (21. 8x forward), making it the more compelling value choice. Analysts rate Navient Corporation (NAVI) a "Hold" — based on 24 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — NAVI or PRA?
On forward P/E, Navient Corporation is actually cheaper at 12.
2x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — NAVI or PRA?
Over the past 5 years, ProAssurance Corporation (PRA) delivered a total return of -4.
4%, compared to -29. 8% for Navient Corporation (NAVI). Over 10 years, the gap is even starker: NAVI returned +15. 3% versus PRA's -18. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — NAVI or PRA?
By beta (market sensitivity over 5 years), ProAssurance Corporation (PRA) is the lower-risk stock at 0.
05β versus Navient Corporation's 0. 92β — meaning NAVI is approximately 1824% more volatile than PRA relative to the S&P 500. On balance sheet safety, ProAssurance Corporation (PRA) carries a lower debt/equity ratio of 32% versus 19% for Navient Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — NAVI or PRA?
By revenue growth (latest reported year), ProAssurance Corporation (PRA) is pulling ahead at -2.
7% versus -23. 7% for Navient Corporation (NAVI). On earnings-per-share growth, the picture is similar: ProAssurance Corporation grew EPS -3. 9% year-over-year, compared to -168. 6% for Navient Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — NAVI or PRA?
ProAssurance Corporation (PRA) is the more profitable company, earning 4.
6% net margin versus -2. 5% for Navient Corporation — meaning it keeps 4. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NAVI leads at 77. 1% versus 6. 6% for PRA. At the gross margin level — before operating expenses — NAVI leads at 87. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is NAVI or PRA more undervalued right now?
On forward earnings alone, Navient Corporation (NAVI) trades at 12.
2x forward P/E versus 21. 8x for ProAssurance Corporation — 9. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for NAVI: -0. 7% to $8. 67.
08Which pays a better dividend — NAVI or PRA?
In this comparison, NAVI (7.
3% yield) pays a dividend. PRA does not pay a meaningful dividend and should not be held primarily for income.
09Is NAVI or PRA better for a retirement portfolio?
For long-horizon retirement investors, ProAssurance Corporation (PRA) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
05)). Both have compounded well over 10 years (PRA: -18. 0%, NAVI: +15. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between NAVI and PRA?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: NAVI is a small-cap income-oriented stock; PRA is a small-cap quality compounder stock. NAVI pays a dividend while PRA does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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