Navient vs World Acceptance
Navient reported revenue of $610 million in fiscal 2025, about the same as World Acceptance's $585 million in fiscal 2026. Navient's revenue fell 47.0% in its latest year, and World Acceptance's grew 3.7%. Their fiscal years end in different months (December 31 and March 31), so the periods don't line up exactly.
Side by side
| Navient | World Acceptance | |
|---|---|---|
| Latest fiscal year | FY2025, Dec 31, 2025 | FY2026, Mar 31, 2026 |
| Revenue | $610M | $585M |
| Revenue growth | −47.0% | 3.7% |
| Revenue growth a year, last 5 years | −18.4% | 2.1% |
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | −13.1% | 5.9% |
| Free cash flow | — | $255M |
| Free cash flow margin | — | 43.7% |
| Return on capital | 4.0% | 8.0% |
| Net debt to EBITDA | — | 5.6x |
| Dividends and buybacks | $174M | $132M |
| Change in diluted share count | −10.8% | −8.7% |
| Last close | $8.42 | $149.08 |
| P/E at the last close | — | 17.9× |
| Insider trades, last 12 months | — | sold $29.2 million |
| Piotroski F-score | — | — |
Amounts in each company's own currency, US$ 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
NavientWorld Acceptance
Operating margin
Percent of revenue
NavientWorld Acceptance
Free cash flow
US$ billions. Cash from operations minus capital expenditure.
NavientWorld Acceptance
Source: the companies' Form 10-K filings, from SEC EDGAR, and the last close. For information only, not investment advice: the figures describe results, not which company is the better investment. The Filing Desk is not affiliated with either company. Full figures on the Navient and World Acceptance pages.