Dave vs Navient
Navient reported revenue of $610 million in fiscal 2025, about the same as Dave's $554 million in fiscal 2025. Dave's revenue grew 59.7% in its latest year, and Navient's fell 47.0%.
Side by side
| Dave | Navient | |
|---|---|---|
| Latest fiscal year | FY2025, Dec 31, 2025 | FY2025, Dec 31, 2025 |
| Revenue | $554M | $610M |
| Revenue growth | 59.7% | −47.0% |
| Revenue growth a year, last 5 years | — | −18.4% |
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 35.3% | −13.1% |
| Free cash flow | $290M | — |
| Free cash flow margin | 52.3% | — |
| Return on capital | 72.9% | 4.0% |
| Net debt to EBITDA | −0.4x | — |
| Dividends and buybacks | $44M | $174M |
| Change in diluted share count | 4.8% | −10.8% |
| Last close | $278.59 | $8.42 |
| P/E at the last close | 22.5× | — |
| Insider trades, last 12 months | sold $31.5 million | — |
| Piotroski F-score | 6 of 8 | — |
Amounts in each company's own currency, US$ unless marked (a foreign company may report in another), each company's latest fiscal year from its 10-K, or 20-F or 40-F for a foreign company. Growth rates compare with the year before; the five-year rate is the average a year. Free cash flow is cash from operations minus capital spending; return on capital is after-tax operating income over the money invested in the business; P/E is the last close over the latest earnings per share. Banks are measured differently (return on equity, efficiency ratio), so some rows apply to one company only.
Ten years
Revenue
US$ billions, fiscal years
DaveNavient
Operating margin
Percent of revenue
DaveNavient
Free cash flow
US$ billions. Cash from operations minus capital expenditure.
DaveNavient