Consumer Portfolio Services vs Navient
Navient is the larger business, with $610m of revenue in fiscal 2025 against $434m for Consumer Portfolio Services (1.4 times as much). Consumer Portfolio Services grew faster (10.4% against -47.0%). Consumer Portfolio Services kept more of each dollar of sales as profit: a net margin of 4.4% against -13.1%.
| Latest fiscal year | Consumer Portfolio ServicesCPSS, 2025 | NavientNAVI, 2025 |
|---|---|---|
| Revenue | $434m | $610m |
| Revenue growth | 10.4% | -47.0% |
| Net income | $19.3m | −$80.0m |
| Operating margin | — | — |
| Net margin | 4.4% | -13.1% |
| Return on equity | 12.5% | -3.2% |
| Free cash flow | $288m | — |
| Cash | $6.3m | $637m |
| Total debt | $3.31bn | $45.71bn |
| Debt to equity | 1069.6% | — |
| Dividend per share | — | $0.64 |
| Dividend yield | — | — |
| Share buybacks | $8.7m | $111m |
| Employees | 928 | 670 |
| Market value | $217m | $803m |
| Price vs our value range | — | — |
| Moat score | 44 (Weak) | 40 (Weak) |
| Insider trades, 12 months | 0 buys, 8 sales | 0 buys, 0 sales |