NAVI vs. WU

Last updated Apr 2, 2026

Compare and contrast key facts about Navient Corporation (NAVI) and The Western Union Company (WU).

Performance

NAVI vs. WU - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Navient Corporation (NAVI) and The Western Union Company (WU). The values are adjusted to include any dividend payments, if applicable.

NAVI vs. WU - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
NAVI Navient Corporation	-35.02%	2.64%	-25.58%	17.58%	-19.35%	124.11%	-23.13%	63.11%	-30.45%	-15.13%
WU The Western Union Company	-6.82%	-2.63%	-3.79%	-6.19%	-17.92%	-15.11%	-14.72%	62.85%	-6.73%	-9.27%

Fundamentals

Market Cap NAVI : $690.83M WU : $2.70B
EPS NAVI : -$0.84 WU : $1.53
PS Ratio NAVI : 0.24 WU : 0.68
PB Ratio NAVI : 0.29 WU : 2.82
Total Revenue (TTM) NAVI : $3.20B WU : $4.05B
Gross Profit (TTM) NAVI : $375.00M WU : $1.50B
EBITDA (TTM) NAVI : -$65.00M WU : $886.90M

Returns By Period

In the year-to-date period, NAVI achieves a -35.02% return, which is significantly lower than WU's -6.82% return. Over the past 10 years, NAVI has outperformed WU with an annualized return of 1.30%, while WU has yielded a comparatively lower -2.64% annualized return.

NAVI

• 1D: 1.34%
• 1M: -2.00%
• YTD: -35.02%
• 6M: -35.31%
• 1Y: -30.57%
• 3Y*: -15.88%
• 5Y*: -6.53%
• 10Y*: 1.30%

WU

• 1D: -3.09%
• 1M: -9.26%
• YTD: -6.82%
• 6M: 10.07%
• 1Y: -10.85%
• 3Y*: -0.36%
• 5Y*: -13.19%
• 10Y*: -2.64%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

NAVI vs. WU — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

NAVI

NAVI Risk / Return Rank: 12
NAVI Sharpe Ratio Rank: 9
NAVI Sortino Ratio Rank: 12
NAVI Omega Ratio Rank: 11
NAVI Calmar Ratio Rank: 18
NAVI Martin Ratio Rank: 12

WU

WU Risk / Return Rank: 25
WU Sharpe Ratio Rank: 25
WU Sortino Ratio Rank: 22
WU Omega Ratio Rank: 23
WU Calmar Ratio Rank: 25
WU Martin Ratio Rank: 26

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

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.

	NAVI	WU	Difference
Sharpe ratio Return per unit of total volatility	-0.77	-0.34	-0.43
Sortino ratio Return per unit of downside risk	-0.88	-0.31	-0.57
Omega ratio Gain probability vs. loss probability	0.87	0.97	-0.09
Calmar ratio Return relative to maximum drawdown	-0.66	-0.47	-0.19
Martin ratio Return relative to average drawdown	-1.40	-0.83	-0.56
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

NAVI vs. WU - Sharpe Ratio Comparison

The current NAVI Sharpe Ratio is -0.77, which is lower than the WU Sharpe Ratio of -0.34. The chart below compares the historical Sharpe Ratios of NAVI and WU, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	NAVI	WU	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.77	-0.34	-0.43
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.18	-0.47	+0.28
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.03	-0.10	+0.13
Sharpe Ratio (All Time) Calculated using the full available price history	-0.03	-0.02	-0.02

Correlation

The correlation between NAVI and WU is 0.38, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

NAVI vs. WU - Dividend Comparison

NAVI's dividend yield for the trailing twelve months is around 7.72%, less than WU's 11.11% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
NAVI Navient Corporation	7.72%	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	11.11%	10.10%	8.87%	7.89%	6.83%	5.27%	4.10%	2.99%	4.45%	3.68%	2.95%	3.46%

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.

Drawdown Indicators

	NAVI	WU	Difference
Max Drawdown Largest peak-to-trough decline	-71.57%	-63.10%	-8.47%
Max Drawdown (1Y) Largest decline over 1 year	-46.14%	-23.41%	-22.73%
Max Drawdown (5Y) Largest decline over 5 years	-58.42%	-59.32%	+0.90%
Max Drawdown (10Y) Largest decline over 10 years	-67.16%	-60.15%	-7.01%
Current Drawdown Current decline from peak	-57.12%	-53.96%	-3.16%
Average Drawdown Average peak-to-trough decline	-28.15%	-28.50%	+0.35%
Ulcer Index Depth and duration of drawdowns from previous peaks	21.93%	13.32%	+8.61%

Volatility

NAVI vs. WU - Volatility Comparison

The current volatility for Navient Corporation (NAVI) is 5.43%, while The Western Union Company (WU) has a volatility of 6.71%. This indicates that NAVI experiences smaller price fluctuations and is considered to be less risky than WU based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	NAVI	WU	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.43%	6.71%	-1.28%
Volatility (6M) Calculated over the trailing 6-month period	30.12%	22.47%	+7.65%
Volatility (1Y) Calculated over the trailing 1-year period	39.92%	32.14%	+7.78%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	35.71%	28.28%	+7.43%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	41.31%	27.21%	+14.10%

Financials

NAVI vs. WU - Profitability Comparison

The chart below illustrates the profitability comparison between Navient Corporation and The Western Union Company over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

NAVI - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Navient Corporation reported a gross profit of 137.00M and revenue of 765.00M. Therefore, the gross margin over that period was 17.9%.

WU - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, The Western Union Company reported a gross profit of 363.00M and revenue of 1.01B. Therefore, the gross margin over that period was 36.0%.

NAVI - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Navient Corporation reported an operating income of 37.00M and revenue of 765.00M, resulting in an operating margin of 4.8%.

WU - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, The Western Union Company reported an operating income of 185.30M and revenue of 1.01B, resulting in an operating margin of 18.4%.

NAVI - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Navient Corporation reported a net income of -5.00M and revenue of 765.00M, resulting in a net margin of -0.7%.

WU - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, The Western Union Company reported a net income of 114.40M and revenue of 1.01B, resulting in a net margin of 11.3%.