Navient vs Regional Management
Navient and Regional Management are similar in size: $610m and $646m of revenue in their latest fiscal years. Regional Management grew faster (9.7% against -47.0%). Regional Management kept more of each dollar of sales as profit: a net margin of 6.9% against -13.1%.
| Latest fiscal year | NavientNAVI, 2025 | Regional ManagementRM, 2025 |
|---|---|---|
| Revenue | $610m | $646m |
| Revenue growth | -47.0% | 9.7% |
| Net income | −$80.0m | $44.4m |
| Operating margin | — | — |
| Net margin | -13.1% | 6.9% |
| Return on equity | -3.2% | 12.2% |
| Free cash flow | — | $304m |
| Cash | $637m | $98.0m |
| Total debt | $45.71bn | $1.65bn |
| Debt to equity | — | 442.5% |
| Dividend per share | $0.64 | $1.20 |
| Dividend yield | — | 3.2% |
| Share buybacks | $111m | $24.0m |
| Employees | 670 | 2,112 |
| Market value | $803m | $357m |
| Price vs our value range | — | — |
| Moat score | 40 (Weak) | 58 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 3 buys, 102 sales |