JSM
Navient Corporation SR NT 6% 121543
Financial - Credit Services
Market Cap$5.11B
5Y Perf.-18.5%
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Stock Comparison
JSM vs COF
Revenue, margins, valuation, and 5-year total return — side by side.
COF
Capital One Financial Corporation
Financial - Credit Services
Market Cap$117.42B
5Y Perf.+178.8%
JSM vs COF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | JSM | COF |
|---|---|---|
| Industry | Financial - Credit Services | Financial - Credit Services |
| Market Cap | $5.11B | $117.42B |
| Revenue (TTM) | $3.11B | $69.25B |
| Net Income (TTM) | $-60M | $2.45B |
| Gross Margin | 95.2% | 47.3% |
| Operating Margin | 81.7% | 3.3% |
| Forward P/E | — | 9.6x |
| Total Debt | $5.07B | $51.00B |
| Cash & Equiv. | $2.10B | $57.43B |
JSM vs COF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
JSM
COF
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Navient Corporation… (JSM) | 100 | 81.5 | -18.5% |
| Capital One Financi… (COF) | 100 | 278.8 | +178.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: JSM vs COF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: JSM leads in 6 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Capital One Financial Corporation is the stronger pick specifically for growth and revenue expansion. As sector peers, any of these can serve as alternatives in the same allocation.
JSM
Navient Corporation SR NT 6% 121543
The Banking Pick
JSM carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 4 yrs, beta 0.66, yield 3.4%
- Lower volatility, beta 0.66, current ratio 0.41x
- Beta 0.66, yield 3.4%, current ratio 0.41x
Best for: income & stability and sleep-well-at-night
COF
Capital One Financial Corporation
The Banking Pick
COF is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 28.4%, EPS growth -65.2%
- 203.6% 10Y total return vs JSM's 69.1%
- 28.4% NII/revenue growth vs JSM's -18.4%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | COF | 28.4% NII/revenue growth vs JSM's -18.4% |
| Value | JSM | Better valuation composite |
| Quality / Margins | JSM | Efficiency ratio 0.1% vs COF's 0.4% (lower = leaner) |
| Stability / Safety | JSM | Beta 0.66 vs COF's 1.58 |
| Dividends | JSM | 3.4% yield, 4-year raise streak, vs COF's 1.7% |
| Momentum (1Y) | JSM | +13.8% vs COF's +2.4% |
| Efficiency (ROA) | JSM | Efficiency ratio 0.1% vs COF's 0.4% |
JSM vs COF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2025
JSM vs COF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLJSMLAGGINGCOF
COFCapital One Financial…
1leads
JSMNavient Corporation S…
5leads
6 Total Categories
CATEGORYLEADERvs COFMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
JSM3/5
Valuation MetricsMultiples, price ratios, and targets
JSM4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
JSM5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
COF4/6
Risk & VolatilityBeta, volatility, and downside exposure
JSM2/2
Analyst OutlookRatings, price targets, and dividends
JSM2/2
Income & Cash Flow (Last 12 Months)
JSM leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
COF is the larger business by revenue, generating $69.3B annually — 22.3x JSM's $3.1B. COF is the more profitable business, keeping 3.5% of every revenue dollar as net income compared to JSM's -2.6%.
| Metric | JSMNavient Corporati… | COFCapital One Finan… |
|---|---|---|
| RevenueTrailing 12 months | $3.1B | $69.3B |
| EBITDAEarnings before interest/tax | $2.4B | $7.5B |
| Net IncomeAfter-tax profit | -$60M | $2.5B |
| Free Cash FlowCash after capex | $323M | $27.7B |
| Gross MarginGross profit ÷ Revenue | +95.2% | +47.3% |
| Operating MarginEBIT ÷ Revenue | +81.7% | +3.3% |
| Net MarginNet income ÷ Revenue | -2.6% | +3.5% |
| FCF MarginFCF ÷ Revenue | +14.2% | +37.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +9.5% | +22.1% |
JSM leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
JSM leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, JSM's 3.2x EV/EBITDA is more attractive than COF's 14.7x.
| Metric | JSMNavient Corporati… | COFCapital One Finan… |
|---|---|---|
| Market CapShares × price | $5.1B | $117.4B |
| Enterprise ValueMkt cap + debt − cash | $8.1B | $111.0B |
| Trailing P/EPrice ÷ TTM EPS | -22.76x | 47.07x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 9.61x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 3.18x | 14.72x |
| Price / SalesMarket cap ÷ Revenue | 1.65x | 1.70x |
| Price / BookPrice ÷ Book value/share | 0.76x | 0.90x |
| Price / FCFMarket cap ÷ FCF | 11.60x | 4.49x |
JSM leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
JSM leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
COF delivers a 2.4% return on equity — every $100 of shareholder capital generates $2 in annual profit, vs $-2 for JSM. COF carries lower financial leverage with a 0.45x debt-to-equity ratio, signaling a more conservative balance sheet compared to JSM's 2.11x. On the Piotroski fundamental quality scale (0–9), JSM scores 6/9 vs COF's 5/9, reflecting solid financial health.
| Metric | JSMNavient Corporati… | COFCapital One Finan… |
|---|---|---|
| ROE (TTM)Return on equity | -2.5% | +2.4% |
| ROA (TTM)Return on assets | -0.1% | +0.4% |
| ROICReturn on invested capital | +7.1% | +1.3% |
| ROCEReturn on capital employed | +5.6% | +1.4% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 2.11x | 0.45x |
| Net DebtTotal debt minus cash | $3.0B | -$6.4B |
| Cash & Equiv.Liquid assets | $2.1B | $57.4B |
| Total DebtShort + long-term debt | $5.1B | $51.0B |
| Interest CoverageEBIT ÷ Interest expense | 0.48x | 0.14x |
JSM leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
COF leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in COF five years ago would be worth $13,182 today (with dividends reinvested), compared to $10,526 for JSM. Over the past 12 months, JSM leads with a +13.8% total return vs COF's +2.4%. The 3-year compound annual growth rate (CAGR) favors COF at 30.9% vs JSM's 7.4% — a key indicator of consistent wealth creation.
| Metric | JSMNavient Corporati… | COFCapital One Finan… |
|---|---|---|
| YTD ReturnYear-to-date | -5.5% | -23.2% |
| 1-Year ReturnPast 12 months | +13.8% | +2.4% |
| 3-Year ReturnCumulative with dividends | +23.9% | +124.2% |
| 5-Year ReturnCumulative with dividends | +5.3% | +31.8% |
| 10-Year ReturnCumulative with dividends | +69.1% | +203.6% |
| CAGR (3Y)Annualised 3-year return | +7.4% | +30.9% |
COF leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
JSM leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
JSM is the less volatile stock with a 0.66 beta — it tends to amplify market swings less than COF's 1.58 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. JSM currently trades 90.4% from its 52-week high vs COF's 73.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | JSMNavient Corporati… | COFCapital One Finan… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.66x | 1.58x |
| 52-Week HighHighest price in past year | $20.65 | $259.64 |
| 52-Week LowLowest price in past year | $8.30 | $174.98 |
| % of 52W HighCurrent price vs 52-week peak | +90.4% | +73.1% |
| RSI (14)Momentum oscillator 0–100 | 60.2 | 45.0 |
| Avg Volume (50D)Average daily shares traded | 17K | 4.7M |
JSM leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
JSM leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates JSM as "Hold" and COF as "Buy". Consensus price targets imply 40.9% upside for COF (target: $267) vs -6.2% for JSM (target: $18). For income investors, JSM offers the higher dividend yield at 3.45% vs COF's 1.72%.
| Metric | JSMNavient Corporati… | COFCapital One Finan… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $17.50 | $267.18 |
| # AnalystsCovering analysts | 2 | 56 |
| Dividend YieldAnnual dividend ÷ price | +3.4% | +1.7% |
| Dividend StreakConsecutive years of raises | 4 | 3 |
| Dividend / ShareAnnual DPS | $0.64 | $3.27 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.2% | +3.5% |
JSM leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
JSM leads in 5 of 6 categories (Income & Cash Flow, Valuation Metrics). COF leads in 1 (Total Returns).
Best OverallNavient Corporation SR NT 6… (JSM)Leads 5 of 6 categories
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JSM vs COF: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is JSM or COF a better buy right now?
For growth investors, Capital One Financial Corporation (COF) is the stronger pick with 28.
4% revenue growth year-over-year, versus -18. 4% for Navient Corporation SR NT 6% 121543 (JSM). Capital One Financial Corporation (COF) offers the better valuation at 47. 1x trailing P/E (9. 6x forward), making it the more compelling value choice. Analysts rate Capital One Financial Corporation (COF) a "Buy" — based on 56 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 is the better long-term investment — JSM or COF?
Over the past 5 years, Capital One Financial Corporation (COF) delivered a total return of +31.
8%, compared to +5. 3% for Navient Corporation SR NT 6% 121543 (JSM). Over 10 years, the gap is even starker: COF returned +203. 6% versus JSM's +69. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — JSM or COF?
By beta (market sensitivity over 5 years), Navient Corporation SR NT 6% 121543 (JSM) is the lower-risk stock at 0.
66β versus Capital One Financial Corporation's 1. 58β — meaning COF is approximately 140% more volatile than JSM relative to the S&P 500. On balance sheet safety, Capital One Financial Corporation (COF) carries a lower debt/equity ratio of 45% versus 2% for Navient Corporation SR NT 6% 121543 — giving it more financial flexibility in a downturn.
04Which is growing faster — JSM or COF?
By revenue growth (latest reported year), Capital One Financial Corporation (COF) is pulling ahead at 28.
4% versus -18. 4% for Navient Corporation SR NT 6% 121543 (JSM). On earnings-per-share growth, the picture is similar: Capital One Financial Corporation grew EPS -65. 2% year-over-year, compared to -168. 3% for Navient Corporation SR NT 6% 121543. 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.
05Which has better profit margins — JSM or COF?
Capital One Financial Corporation (COF) is the more profitable company, earning 3.
5% net margin versus -2. 6% for Navient Corporation SR NT 6% 121543 — meaning it keeps 3. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JSM leads at 81. 7% versus 3. 3% for COF. At the gross margin level — before operating expenses — JSM leads at 95. 2%, 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.
06Is JSM or COF more undervalued right now?
Analyst consensus price targets imply the most upside for COF: 40.
9% to $267. 18.
07Which pays a better dividend — JSM or COF?
All stocks in this comparison pay dividends.
Navient Corporation SR NT 6% 121543 (JSM) offers the highest yield at 3. 4%, versus 1. 7% for Capital One Financial Corporation (COF).
08Is JSM or COF better for a retirement portfolio?
For long-horizon retirement investors, Navient Corporation SR NT 6% 121543 (JSM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
66), 3. 4% yield). Capital One Financial Corporation (COF) carries a higher beta of 1. 58 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (JSM: +69. 1%, COF: +203. 6%), 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.
09What are the main differences between JSM and COF?
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: JSM is a small-cap income-oriented stock; COF is a mid-cap high-growth stock. 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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