Which has grown faster, ALRS or NAVI?

Over the past five years, ALRS grew revenue faster — ALRS at a 5.76% CAGR versus NAVI at -4.45%.

Does ALRS or NAVI pay a bigger dividend?

ALRS yields 2.65% and NAVI yields 7.08% based on trailing dividends and the latest price.

Is ALRS or NAVI more profitable?

ALRS runs the higher net margin — ALRS at 8.33% versus NAVI at -1.67%.

How have ALRS and NAVI total returns compared?

Over the past 10 years, ALRS delivered 9.99% and NAVI delivered -0.11% annualized total return. Past performance doesn't predict future results.

Alerus Financial Corporation (ALRS) vs Navient Corporation (NAVI)

A side-by-side comparison of Alerus Financial Corporation and Navient Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

ALRS

Alerus Financial Corporation

$816M

$32.46Financial ServicesDelayed quote: Oct 6, 2026, 2:45 PM EDT

NAVI

Navient Corporation

$844M

$8.99Financial ServicesDelayed quote: Oct 6, 2026, 2:45 PM EDT

Total return — ALRS vs NAVI

growth of $100 · dividends reinvested · last 10y

ALRS +157.0% (+9.9%/yr)NAVI +0.4% (+0.0%/yr)ALRS compounded faster over this window

ALRS NAVI

ALRS vs NAVI: by the numbers

•NAVI is the larger company ($844M vs $816M market cap).
•ALRS is profitable (8.33% net margin) while NAVI runs a net loss (-1.67%).
•ALRS grew revenue faster over the past five years (5.76% vs -4.45% CAGR).
•NAVI pays the higher dividend yield (7.08% vs 2.65%).

Metrics side by side

Valuation

Metric	ALRS	NAVI
P/E ratio	30.05	N/A
Forward P/E	10.76	11.94
P/S ratio	2.45	0.29
P/B ratio	1.40	0.35

Profitability

Metric	ALRS	NAVI
Gross margin	N/A	86.96%
Operating margin	10.36%	77.14%
Net margin	8.33%	-1.67%
ROE	4.75%	-2.04%

Alerus Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	ALRS	NAVI
Dividend yield	2.65%	7.08%
Payout ratio	79.63%	N/A

Growth (annualized)

Metric	ALRS	NAVI
Revenue CAGR (5Y)	5.76%	-4.45%
EPS CAGR (5Y)	-23.13%	N/A
Total return CAGR (5Y)	4.67%	-9.45%

Frequently asked

Which has grown faster, ALRS or NAVI?: Over the past five years, ALRS grew revenue faster — ALRS at a 5.76% CAGR versus NAVI at -4.45%.
Does ALRS or NAVI pay a bigger dividend?: ALRS yields 2.65% and NAVI yields 7.08% based on trailing dividends and the latest price.
Is ALRS or NAVI more profitable?: ALRS runs the higher net margin — ALRS at 8.33% versus NAVI at -1.67%.
How have ALRS and NAVI total returns compared?: Over the past 10 years, ALRS delivered 9.99% and NAVI delivered -0.11% annualized total return. Past performance doesn't predict future results.

Go deeper

Full ALRS analysis Full NAVI analysis Interactive comparison tool

Dig into the metrics

Alerus Financial P/E ratio Alerus Financial dividend yield Navient dividend yield Alerus Financial ROE Navient ROE Alerus Financial operating margin Navient operating margin Alerus Financial revenue growth Navient revenue growth

Alerus Financial & Navient appear in these rankings

Highest Dividend Yield Stocks 25+ Year Dividend Growers Highest Operating Margin Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.