| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| SOFISoFi Technologies, Inc. | 21.39B | 17.76 | 45.54 | 27.82% | 13.46% | 7.29% | 0.49 | |
| JSMNavient Corporation SR NT 6% 121543 | 5.31B | 19.37 | 16.14 | 229.5% | 3.44% | -2.05% | 8.65% | 16.35 |
| NAVINavient Corporation | 840.97M | 8.79 | 7.45 | -12.45% | 3.09% | -2.05% | 54.58% | 18.43 |
| SLMSLM Corporation | 3.73B | 18.74 | 6.99 | 5.21% | 20.36% | 26.62% | 2.98 | |
| NNINelnet, Inc. | 1.37B | 129.46 | -55.5% | 32.4% | 27.31% |
Analyze head-to-head performance against top industry competitors across valuation, growth, and profitability metrics.
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Net Interest Income | 259.06M | 329.83M | 177.93M | 252.24M | 584.1M | 1.26B | 1.72B |
| NII Growth % | - | 27.32% | -46.05% | 41.77% | 131.56% | 116.02% | 36.04% |
| Net Interest Margin % | - | - | - | - | - | - | - |
| Interest Income | 589.62M | 608.19M | 363.54M | 355.02M | 773.37M | 2.05B | 2.81B |
| Interest Expense | 330.55M | 278.36M | 185.61M | 102.78M | 189.28M | 789.33M | 1.09B |
| Loan Loss Provision | 0 | 0 | 0 | 7.57M | 54.33M | 54.95M | 31.71M |
| Non-Interest Income | 10.34M | 112.83M | 387.6M | 732.63M | 989.44M | 846.48M | 895.86M |
| Non-Interest Income % | - | - | - | - | - | - | - |
| Total Revenue | 599.95M | 721.02M | 751.14M | 1.09B | 1.76B | 2.9B | 3.7B |
| Revenue Growth % | - | 20.18% | 4.18% | 44.8% | 62.08% | 64.37% | 27.82% |
| Non-Interest Expense | 522.76M | 682.26M | 894.05M | 1.46B | 1.84B | 2.35B | 2.35B |
| Efficiency Ratio | - | - | - | - | - | - | - |
| Operating Income | -253.36M | -239.6M | -328.52M | -481.18M | -318.72M | -301.16M | 233.34M |
| Operating Margin % | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 5.43% | -37.11% | -46.47% | 33.76% | 5.51% | 177.48% |
| Pretax Income | -253.36M | -239.6M | -328.52M | -481.18M | -318.72M | -301.16M | 233.34M |
| Pretax Margin % | - | - | - | - | - | - | - |
| Income Tax | -958K | 98K | -104.47M | 2.76M | 1.69M | -416K | -265.32M |
| Effective Tax Rate % | - | - | - | - | - | - | - |
| Net Income | -252.4M | -239.7M | -224.05M | -483.94M | -320.41M | -300.74M | 498.67M |
| Net Margin % | - | - | - | - | - | - | - |
| Net Income Growth % | - | 5.03% | 6.53% | -115.99% | 33.79% | 6.14% | 265.81% |
| Net Income (Continuing) | -252.4M | -239.7M | -224.05M | -483.94M | -320.41M | -300.74M | 498.67M |
| EPS (Diluted) | -2.17 | -2.27 | -2.73 | -1.00 | -0.40 | -0.36 | 0.39 |
| EPS Growth % | - | -4.45% | -20.34% | 63.39% | 60% | 10% | 208.33% |
| EPS (Basic) | -2.17 | -2.27 | -2.73 | -1.00 | -0.40 | -0.36 | 0.46 |
| Diluted Shares Outstanding | 116.15M | 116.15M | 116.15M | 526.73M | 900.89M | 945.02M | 1.1B |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 537M | 499.49M | 872.58M | 689.62M | 1.46B | 3.59B | 4.34B |
| Cash & Due from Banks | 537M | 499.49M | 872.58M | 494.71M | 1.42B | 3.09B | 2.54B |
| Short Term Investments | 0 | 0 | 0 | 194.91M | 39.43M | 500.94M | 1.8B |
| Total Investments | -8.56B | 6.15B | 5.48B | 6.68B | 14.32B | 23.79B | 29.84B |
| Investments Growth % | - | 171.81% | -10.77% | 21.81% | 114.37% | 66.16% | 25.4% |
| Long-Term Investments | 0 | 6.15B | 5.48B | 6.48B | 14.28B | 23.29B | 28.03B |
| Accounts Receivables | 0 | 12.14M | 23.28M | 85.52M | 127.05M | 169.85M | 587.5M |
| Goodwill & Intangibles | - | - | - | - | - | - | - |
| Goodwill | 15.74M | 15.67M | 899.27M | 898.53M | 1.62B | 1.39B | 1.39B |
| Intangible Assets | 189.01M | 213.4M | 504.68M | 452.84M | 592.01M | 544.52M | 639.92M |
| PP&E (Net) | 13.29M | 161M | 198.35M | 227.06M | 267.24M | 306.54M | 369.09M |
| Other Assets | 8.01B | 232.32M | 586.92M | 280.15M | 583.82M | 669.28M | 342.67M |
| Total Current Assets | 325.11M | 520.8M | 890.5M | 833.04M | 1.66B | 3.87B | 5.21B |
| Total Non-Current Assets | 8.22B | 6.77B | 7.67B | 8.34B | 17.35B | 26.21B | 31.04B |
| Total Assets | 8.55B | 7.29B | 8.56B | 9.18B | 19.01B | 30.07B | 36.25B |
| Asset Growth % | - | -14.75% | 17.48% | 7.16% | 107.14% | 58.22% | 20.54% |
| Return on Assets (ROA) | -2.95% | -3.03% | -2.83% | -5.46% | -2.27% | -1.23% | 1.5% |
| Accounts Payable | 0 | 103.59M | 452.91M | 158.06M | 144.57M | 159.91M | 132.78M |
| Total Debt | 6.65B | 5.08B | 5.06B | 4.19B | 5.63B | 5.36B | 3.2B |
| Net Debt | 6.11B | 4.59B | 4.18B | 3.7B | 4.21B | 2.28B | 665.92M |
| Long-Term Debt | 6.62B | 4.8B | 4.43B | 3.54B | 5.02B | 4.75B | 2.61B |
| Short-Term Debt | 28.2M | 161M | 486M | 497.81M | 486M | 486M | 486M |
| Other Liabilities | 102.3M | -103.59M | -452.91M | 27.39M | 145.48M | 128.46M | 117.67M |
| Total Current Liabilities | 7.33M | 368.18M | 1.39B | 750.07M | 8.12B | 19.47B | 26.86B |
| Total Non-Current Liabilities | 6.72B | 4.82B | 4.12B | 3.73B | 5.36B | 5.05B | 2.86B |
| Total Liabilities | 6.73B | 5.19B | 5.51B | 4.48B | 13.48B | 24.52B | 29.73B |
| Total Equity | 1.82B | 2.1B | 3.05B | 4.7B | 5.53B | 5.55B | 6.53B |
| Equity Growth % | - | 15.29% | 45.36% | 53.84% | 17.68% | 0.48% | 17.46% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - |
| Return on Equity (ROE) | -13.85% | -12.22% | -8.69% | -12.49% | -6.27% | -5.43% | 8.26% |
| Book Value per Share | 15.69 | 18.09 | 26.29 | 8.92 | 6.14 | 5.88 | 5.92 |
| Tangible BV per Share | - | - | - | - | - | - | - |
| Common Stock | 0 | 0 | 0 | 83K | 93K | 97K | 109K |
| Additional Paid-in Capital | 157.65M | 135.52M | 579.23M | 5.56B | 6.72B | 7.04B | 7.84B |
| Retained Earnings | -223.14M | -474.56M | -699.18M | -1.18B | -1.5B | -1.8B | -1.31B |
| Accumulated OCI | -12K | -21K | -166K | -1.47M | -8.3M | -1.21M | -8.37M |
| Treasury Stock | -2.91M | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 1.89B | 2.44B | 3.17B | 320.37M | 320.37M | 320.37M | 0 |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.02B | -54.73M | -479.34M | -1.35B | -7.26B | -7.23B | -1.12B |
| Operating CF Growth % | - | -105.35% | -775.77% | -181.68% | -437.38% | 0.4% | 84.51% |
| Net Income | -252.4M | -239.7M | -224.05M | -483.94M | -320.41M | -300.74M | 498.67M |
| Depreciation & Amortization | 10.91M | 15.96M | 69.83M | 101.57M | 151.36M | 201.42M | 203.5M |
| Deferred Taxes | -1.09M | 52K | -104.5M | 1.2M | -3.5M | -15.83M | -286.92M |
| Other Non-Cash Items | -5.74M | 37.5M | 76.85M | 137.25M | 106.26M | 249.97M | -168.34M |
| Working Capital Changes | 1.23B | 70.04M | -397.33M | -1.35B | -7.5B | -7.63B | -1.61B |
| Cash from Investing | -12.25M | 114.87M | 258.95M | 110.19M | -106.33M | -1.89B | -4.82B |
| Purchase of Investments | -100.4M | -3.61M | -145K | -268.37M | -44.97M | -867.06M | -2.23B |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | -32.39M | 0 | 58.54M | -72.3M | 0 |
| Other Investing | 0 | -9.05M | -7.64M | 16.69M | -184.26M | -1.37B | -3.52B |
| Cash from Financing | -954.79M | 93.08M | 853.75M | 684.99M | 8.44B | 10.89B | 5.03B |
| Dividends Paid | 0 | -23.92M | -40.54M | -40.43M | -40.42M | -40.42M | -16.5M |
| Share Repurchases | 0 | -8.8M | -40K | -283.38M | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 369.84M | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - |
| Debt Issuance (Net) | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K |
| Other Financing | -23.25M | -80.08M | -408K | 1.92B | 7.14B | 11.21B | 6.87B |
| Net Change in Cash | 56.25M | 153.2M | 633.22M | -554.99M | 1.08B | 1.77B | -906.22M |
| Exchange Rate Effect | 21K | -9K | -145K | 46K | 571K | 677K | 2K |
| Cash at Beginning | 480.75M | 537M | 690.21M | 1.32B | 768.44M | 1.85B | 3.62B |
| Cash at End | 537M | 690.21M | 1.32B | 768.44M | 1.85B | 3.62B | 2.71B |
| Interest Paid | 223.44M | 224.92M | 129.13M | 94.8M | 150.87M | 720.16M | 1.12B |
| Income Taxes Paid | 138K | 8K | 529K | 1.76M | 2.57M | 14.33M | 26.91M |
| Free Cash Flow | 1.01B | -92.32M | -503.88M | -1.4B | -7.36B | -7.35B | -1.28B |
| FCF Growth % | - | -109.15% | -445.78% | -178.33% | -424.76% | 0.15% | 82.53% |
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -13.85% | -12.22% | -8.69% | -12.49% | -6.27% | -5.43% | 8.26% |
| Return on Assets (ROA) | -2.95% | -3.03% | -2.83% | -5.46% | -2.27% | -1.23% | 1.5% |
| Net Interest Margin | 3.03% | 4.52% | 2.08% | 2.75% | 3.07% | 4.2% | 4.73% |
| Efficiency Ratio | 87.13% | 94.62% | 119.03% | 134.09% | 104.26% | 81.26% | 63.38% |
| Equity / Assets | 21.31% | 28.82% | 35.66% | 51.19% | 29.09% | 18.47% | 18% |
| Book Value / Share | 15.69 | 18.09 | 26.29 | 8.92 | 6.14 | 5.88 | 5.92 |
| NII Growth | - | 27.32% | -46.05% | 41.77% | 131.56% | 116.02% | 36.04% |
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