Navient vs World Acceptance
Navient and World Acceptance are similar in size: $610m and $585m of revenue in their latest fiscal years. World Acceptance grew faster (3.7% against -47.0%). World Acceptance kept more of each dollar of sales as profit: a net margin of 5.9% against -13.1%.
| Latest fiscal year | NavientNAVI, 2025 | World AcceptanceWRLD, 2026 |
|---|---|---|
| Revenue | $610m | $585m |
| Revenue growth | -47.0% | 3.7% |
| Net income | −$80.0m | $34.6m |
| Operating margin | — | — |
| Net margin | -13.1% | 5.9% |
| Return on equity | -3.2% | 8.8% |
| Free cash flow | — | $255m |
| Cash | $637m | $6.1m |
| Total debt | $45.71bn | $587m |
| Debt to equity | — | 167.3% |
| Dividend per share | $0.64 | — |
| Dividend yield | — | — |
| Share buybacks | $111m | $132m |
| Employees | 670 | — |
| Market value | $803m | $779m |
| Price vs our value range | — | — |
| Moat score | 40 (Weak) | 62 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 27 sales |