Navient Corp (NAVI)vsWells Fargo & Company (WFC)
NAVI
Navient Corp
$9.24
-2.84%
FINANCIAL SERVICES · Cap: $893.84M
WFC
Wells Fargo & Company
$82.23
+0.88%
FINANCIAL SERVICES · Cap: $249.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 24561% more annual revenue ($81.14B vs $329.00M). WFC leads profitability with a 26.7% profit margin vs -18.5%. NAVI appears more attractively valued with a PEG of 0.14. WFC earns a higher WallStSmart Score of 74/100 (B).
NAVI
Hold49
out of 100
Grade: D+
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 28.8%
Mega-cap, among the largest globally
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.4%
Generating 4.1B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
ROE of -2.5% — below average capital efficiency
Revenue declined 0.8%
Earnings declined 59.4%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NAVI
The strongest argument for NAVI centers on PEG Ratio, Price/Book, Operating Margin. PEG of 0.14 suggests the stock is reasonably priced for its growth.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.45 suggests the stock is reasonably priced for its growth.
Bear Case : NAVI
The primary concerns for NAVI are Market Cap, Return on Equity, Revenue Growth.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
NAVI profiles as a turnaround stock while WFC is a mature play — different risk/reward profiles.
NAVI carries more volatility with a beta of 1.29 — expect wider price swings.
WFC is growing revenue faster at 5.7% — sustainability is the question.
WFC generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 49/100), backed by strong 26.7% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Navient Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Navient Corporation provides education loan management and business processing solutions for federal, state, and local government, education, and healthcare clients in the United States. The company is headquartered in Wilmington, Delaware.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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