Which has grown faster, FISI or NAVI?

Over the past five years, FISI grew revenue faster — FISI at a 8.78% CAGR versus NAVI at -4.45%.

Does FISI or NAVI pay a bigger dividend?

FISI yields 3.20% and NAVI yields 7.08% based on trailing dividends and the latest price.

Is FISI or NAVI more profitable?

FISI runs the higher net margin — FISI at 26.18% versus NAVI at -1.67%.

How have FISI and NAVI total returns compared?

Over the past 10 years, FISI delivered 8.47% and NAVI delivered -0.11% annualized total return. Past performance doesn't predict future results.

Financial Institutions, Inc. (FISI) vs Navient Corporation (NAVI)

A side-by-side comparison of Financial Institutions, Inc. 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.

FISI

Financial Institutions, Inc.

$774M

$39.31Financial ServicesDelayed quote: Oct 6, 2026, 3:40 PM EDT

NAVI

Navient Corporation

$843M

$8.97Financial ServicesDelayed quote: Oct 6, 2026, 3:35 PM EDT

Total return — FISI vs NAVI

growth of $100 · dividends reinvested · last 10y

FISI +125.7% (+8.5%/yr)NAVI +0.4% (+0.0%/yr)FISI compounded faster over this window

FISI NAVI

FISI vs NAVI: by the numbers

•NAVI is the larger company ($843M vs $774M market cap).
•FISI is profitable (26.18% net margin) while NAVI runs a net loss (-1.67%).
•FISI grew revenue faster over the past five years (8.78% vs -4.45% CAGR).
•NAVI pays the higher dividend yield (7.08% vs 3.20%).

Metrics side by side

Valuation

Metric	FISI	NAVI
P/E ratio	9.73	N/A
Forward P/E	9.38	11.92
PEG ratio	1.03	N/A
P/S ratio	2.45	0.29
P/B ratio	1.24	0.35

Profitability

Metric	FISI	NAVI
Gross margin	N/A	86.96%
Operating margin	24.17%	77.14%
Net margin	26.18%	-1.67%
ROE	12.84%	-2.04%

Financial Institutions, Inc.: 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	FISI	NAVI
Dividend yield	3.20%	7.08%
Payout ratio	31.44%	N/A

Growth (annualized)

Metric	FISI	NAVI
Revenue CAGR (5Y)	8.78%	-4.45%
EPS CAGR (5Y)	9.68%	N/A
Total return CAGR (5Y)	10.04%	-9.45%

Frequently asked

Which has grown faster, FISI or NAVI?: Over the past five years, FISI grew revenue faster — FISI at a 8.78% CAGR versus NAVI at -4.45%.
Does FISI or NAVI pay a bigger dividend?: FISI yields 3.20% and NAVI yields 7.08% based on trailing dividends and the latest price.
Is FISI or NAVI more profitable?: FISI runs the higher net margin — FISI at 26.18% versus NAVI at -1.67%.
How have FISI and NAVI total returns compared?: Over the past 10 years, FISI delivered 8.47% and NAVI delivered -0.11% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FISI analysis Full NAVI analysis Interactive comparison tool

Dig into the metrics

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

Financial Institutions & Navient appear in these rankings

Highest Dividend Yield Stocks Highest Operating Margin Stocks Lowest P/E Ratio 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.