NAVI vs. WU
NAVI (Navient Corporation) and WU (The Western Union Company) are both stocks. Both operate in the Credit Services industry within the Financial Services sector. Over the past 10 years, NAVI returned 2.67%/yr vs -3.19%/yr for WU. At a 0.38 correlation, their price movements are largely independent.
Performance
NAVI vs. WU - Performance Comparison
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Returns By Period
In the year-to-date period, NAVI achieves a -28.91% return, which is significantly lower than WU's -17.45% return. Over the past 10 years, NAVI has outperformed WU with an annualized return of 2.67%, while WU has yielded a comparatively lower -3.19% annualized return.
NAVI
- 1D
- 0.36%
- 1M
- 6.07%
- YTD
- -28.91%
- 6M
- -28.69%
- 1Y
- -33.11%
- 3Y*
- -17.02%
- 5Y*
- -10.35%
- 10Y*
- 2.67%
WU
- 1D
- 0.28%
- 1M
- -9.15%
- YTD
- -17.45%
- 6M
- -17.80%
- 1Y
- -4.74%
- 3Y*
- -5.31%
- 5Y*
- -14.28%
- 10Y*
- -3.19%
NAVI vs. WU - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
NAVI Navient Corporation | -28.91% | 2.64% | -25.58% | 17.58% | -19.35% | 124.11% | -23.13% | 63.11% | -30.45% | -15.13% |
WU The Western Union Company | -17.45% | -2.63% | -3.79% | -6.19% | -17.92% | -15.11% | -14.72% | 62.85% | -6.73% | -9.27% |
Correlation
The correlation between NAVI and WU is 0.25, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.25 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.33 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.36 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.37 |
Correlation (All Time) Calculated using the full available price history since Apr 17, 2014 | 0.38 |
The correlation between NAVI and WU shifts across timeframes, from 0.25 (1 year) to 0.38 (all time), reflecting how their relationship changes across market environments.
Fundamentals
NAVI:
$803.70M
WU:
$2.30B
NAVI:
-$0.63
WU:
$1.36
NAVI:
0.26
WU:
0.58
NAVI:
0.34
WU:
2.53
NAVI:
$3.06B
WU:
$4.05B
NAVI:
$1.45B
WU:
$1.38B
NAVI:
$517.00M
WU:
$832.80M
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Return for Risk
NAVI vs. WU — Risk / Return Rank
NAVI
WU
NAVI vs. WU - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Navient Corporation (NAVI) and The Western Union Company (WU). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| NAVI | WU | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.68 | ||
| Sortino ratioReturn per unit of downside risk | -0.97 | ||
| Omega ratioGain probability vs. loss probability | 0.86 | 1.00 | -0.14 |
| Calmar ratioReturn relative to maximum drawdown | -0.66 | -0.17 | -0.49 |
| Martin ratioReturn relative to average drawdown | -1.11 | -0.49 | -0.62 |
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Drawdowns
NAVI vs. WU - Drawdown Comparison
The maximum NAVI drawdown since its inception was -71.57%, which is greater than WU's maximum drawdown of -63.10%. Use the drawdown chart below to compare losses from any high point for NAVI and WU.
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Drawdown Indicators
| NAVI | WU | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -71.57% | -63.10% | -8.47% |
Max Drawdown (1Y)Largest decline over 1 year | -50.16% | -27.61% | -22.55% |
Max Drawdown (3Y)Largest decline over 3 years | -57.61% | -37.26% | -20.35% |
Max Drawdown (5Y)Largest decline over 5 years | -61.52% | -55.31% | -6.21% |
Max Drawdown (10Y)Largest decline over 10 years | -67.16% | -60.50% | -6.66% |
Current DrawdownCurrent decline from peak | -53.10% | -59.21% | +6.11% |
Average DrawdownAverage peak-to-trough decline | -28.67% | -28.80% | +0.13% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 29.96% | 9.78% | +20.18% |
Volatility
NAVI vs. WU - Volatility Comparison
Navient Corporation (NAVI) has a higher volatility of 16.67% compared to The Western Union Company (WU) at 6.86%. This indicates that NAVI's price experiences larger fluctuations and is considered to be riskier than WU based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| NAVI | WU | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 16.67% | 6.86% | +9.81% |
Volatility (6M)Calculated over the trailing 6-month period | 32.72% | 19.92% | +12.80% |
Volatility (1Y)Calculated over the trailing 1-year period | 39.70% | 30.11% | +9.59% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 36.35% | 28.67% | +7.68% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 41.61% | 27.43% | +14.18% |
Dividends
NAVI vs. WU - Dividend Comparison
NAVI's dividend yield for the trailing twelve months is around 12.00%, less than WU's 12.95% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
NAVI Navient Corporation | 12.00% | 4.92% | 4.82% | 3.44% | 3.89% | 3.02% | 6.52% | 4.68% | 7.26% | 4.80% | 3.90% | 5.59% |
WU The Western Union Company | 12.95% | 10.10% | 8.87% | 7.89% | 6.83% | 5.27% | 4.10% | 2.99% | 4.45% | 3.68% | 2.95% | 3.46% |
Financials
NAVI vs. WU - Financials Comparison
This section allows you to compare key financial metrics between Navient Corporation and The Western Union Company. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
NAVI vs. WU - Profitability Comparison
NAVI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Navient Corporation reported a gross profit of 663.00M and revenue of 695.00M. Therefore, the gross margin over that period was 95.4%.
WU - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, The Western Union Company reported a gross profit of 327.80M and revenue of 982.70M. Therefore, the gross margin over that period was 33.4%.
NAVI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Navient Corporation reported an operating income of 574.00M and revenue of 695.00M, resulting in an operating margin of 82.6%.
WU - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, The Western Union Company reported an operating income of 123.00M and revenue of 982.70M, resulting in an operating margin of 12.5%.
NAVI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Navient Corporation reported a net income of 17.00M and revenue of 695.00M, resulting in a net margin of 2.5%.
WU - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, The Western Union Company reported a net income of 64.70M and revenue of 982.70M, resulting in a net margin of 6.6%.
Frequently Asked Questions
NAVI and WU have a correlation of 0.25, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
NAVI has higher volatility (16.67%) compared to WU (6.86%). In terms of maximum drawdown, NAVI dropped -71.57% vs WU's -63.10%.
WU currently has the higher Sharpe Ratio (-0.16 vs -0.84), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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