Which has grown faster, NAVI or ORRF?

Over the past five years, ORRF grew revenue faster — NAVI at a -4.45% CAGR versus ORRF at 23.41%.

Does NAVI or ORRF pay a bigger dividend?

NAVI yields 7.08% and ORRF yields 2.82% based on trailing dividends and the latest price.

Is NAVI or ORRF more profitable?

ORRF runs the higher net margin — NAVI at -1.67% versus ORRF at 24.06%.

How have NAVI and ORRF total returns compared?

Over the past 10 years, NAVI delivered -0.11% and ORRF delivered 10.96% annualized total return. Past performance doesn't predict future results.

Navient Corporation (NAVI) vs Orrstown Financial Services, Inc. (ORRF)

A side-by-side comparison of Navient Corporation and Orrstown Financial Services, Inc. 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.

NAVI

Navient Corporation

$839M

$8.93Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

ORRF

Orrstown Financial Services, Inc.

$812M

$41.33Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — NAVI vs ORRF

growth of $100 · dividends reinvested · last 10y

NAVI +0.4% (+0.0%/yr)ORRF +183.3% (+11.0%/yr)ORRF compounded faster over this window

NAVI ORRF

NAVI vs ORRF: by the numbers

•NAVI is the larger company ($839M vs $812M market cap).
•ORRF is profitable (24.06% net margin) while NAVI runs a net loss (-1.67%).
•ORRF grew revenue faster over the past five years (23.41% vs -4.45% CAGR).
•NAVI pays the higher dividend yield (7.08% vs 2.82%).

Metrics side by side

Valuation

Metric	NAVI	ORRF
P/E ratio	N/A	8.95
Forward P/E	11.87	9.58
PEG ratio	N/A	0.76
P/S ratio	0.29	2.26
P/B ratio	0.35	1.31

Profitability

Metric	NAVI	ORRF
Gross margin	86.96%	N/A
Operating margin	77.14%	29.94%
Net margin	-1.67%	24.06%
ROE	-2.04%	13.89%

Orrstown Financial Services, 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	NAVI	ORRF
Dividend yield	7.08%	2.82%
Payout ratio	N/A	25.32%

Growth (annualized)

Metric	NAVI	ORRF
Revenue CAGR (5Y)	-4.45%	23.41%
EPS CAGR (5Y)	N/A	11.71%
Total return CAGR (5Y)	-9.45%	15.08%

Frequently asked

Which has grown faster, NAVI or ORRF?: Over the past five years, ORRF grew revenue faster — NAVI at a -4.45% CAGR versus ORRF at 23.41%.
Does NAVI or ORRF pay a bigger dividend?: NAVI yields 7.08% and ORRF yields 2.82% based on trailing dividends and the latest price.
Is NAVI or ORRF more profitable?: ORRF runs the higher net margin — NAVI at -1.67% versus ORRF at 24.06%.
How have NAVI and ORRF total returns compared?: Over the past 10 years, NAVI delivered -0.11% and ORRF delivered 10.96% annualized total return. Past performance doesn't predict future results.

Go deeper

Full NAVI analysis Full ORRF analysis Interactive comparison tool

Dig into the metrics

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

Navient & Orrstown Financial Services appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth 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.