NAVI vs OXLCL

Comparison between Navient Corp (NAVI, Company) and Oxford Lane Capital Corp (OXLCL, Company).

5-Year PerformanceOXLCL has outperformed NAVI, delivering a return of +6.0% compared to -12.1%

NAVI vs OXLCL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	NAVI(COMPANY)	OXLCL(COMPANY)
Market Cap	$771M	$770M
Max Drawdown	77.85%	17.79%
Sharpe Ratio	-1.13	1.27
5Y Beta	1.01	0.04
Industry	Credit Services	N/A
P/E Ratio	-14.04	N/A
Forward P/E	11.03	N/A
PEG Ratio	0.14	N/A
Dividend Yield	8.24%	7.27%
5Y Dividends CAGR	4.56%	N/A
Debt to Equity	1896.17%	N/A
Free Cash Flow Yield	41.87%	N/A
P/S Ratio	2.32	N/A
P/B Ratio	0.32	N/A

Market Cap

Winner

NAVI

$771M

OXLCL

$770M

Max Drawdown

NAVI

77.85%

Winner

OXLCL

17.79%

Sharpe Ratio

NAVI

-1.13

Winner

OXLCL

1.27

5Y Beta

NAVI

1.01

Winner

OXLCL

0.04

Industry

NAVI

Credit Services

OXLCL

N/A

P/E Ratio

NAVI

-14.04

OXLCL

N/A

Forward P/E

NAVI

11.03

OXLCL

N/A

PEG Ratio

NAVI

0.14

OXLCL

N/A

Dividend Yield

Winner

NAVI

8.24%

OXLCL

7.27%

5Y Dividends CAGR

NAVI

4.56%

OXLCL

N/A

Debt to Equity

NAVI

1896.17%

OXLCL

N/A

Free Cash Flow Yield

NAVI

41.87%

OXLCL

N/A

P/S Ratio

NAVI

2.32

OXLCL

N/A

P/B Ratio

NAVI

0.32

OXLCL

N/A

NAVI vs OXLCL - Historical Returns

Returns include dividend reinvestment.

Period	NAVI	OXLCL
1 month	-8.50%	+0.68%
3 months	-5.10%	+3.88%
6 months	-34.43%	+5.75%
1 year	-37.88%	+12.96%
5 years(CAGR)	-12.11%	+6.02%
10 years(CAGR)	-0.78%	N/A
Max(CAGR)	-1.70%	+6.41%

NAVI

-8.50%

Winner

OXLCL

+0.68%

NAVI

-5.10%

Winner

OXLCL

+3.88%

NAVI

-34.43%

Winner

OXLCL

+5.75%

NAVI

-37.88%

Winner

OXLCL

+12.96%

5Y(CAGR)

NAVI

-12.11%

Winner

OXLCL

+6.02%

10Y(CAGR)

NAVI

-0.78%

OXLCL

N/A

Max(CAGR)

NAVI

-1.70%

Winner

OXLCL

+6.41%

NAVI vs OXLCL - Annual Returns (2014 - 2026)

Returns include dividend reinvestment.

Year	NAVI	OXLCL
2026	-36.43%	+3.62%
2025	+4.38%	+9.98%
2024	-25.09%	+6.23%
2023	+16.94%	+12.05%
2022	-20.34%	-7.91%
2021	+120.66%	+8.95%
2020	-22.98%	N/A
2019	+54.65%	N/A
2018	-32.03%	N/A
2017	-16.08%	N/A
2016	+49.68%	N/A
2015	-45.25%	N/A
2014	+30.43%	N/A

NAVI vs OXLCL Drawdown Comparison

The maximum drawdown for NAVI was -71.57%, occurring on Mar 18, 2020. Recovery took 1598 trading sessions.

The maximum drawdown for OXLCL was -13.16%, occurring on Nov 4, 2022. Recovery took 414 trading sessions.

The current NAVI drawdown is -58.86%. The current OXLCL drawdown is -0.12%.

Rank	NAVI	OXLCL
#1	-71.57% Dec 22, 2014 - Apr 29, 2021	-13.16% Jan 10, 2022 - Sep 5, 2023
#2	-61.60% Sep 17, 2021 - Jun 3, 2026	-4.82% Sep 20, 2023 - Dec 12, 2023
#3	-8.30% Jun 16, 2021 - Jul 12, 2021	-4.51% Oct 8, 2024 - Jun 13, 2025
#4	-7.76% May 1, 2014 - Jun 11, 2014	-3.16% Aug 4, 2021 - Oct 19, 2021
#5	-6.33% Jul 14, 2014 - Sep 18, 2014	-3.07% Mar 2, 2026 - Apr 20, 2026
#6	-4.84% May 7, 2021 - May 17, 2021	-2.60% Dec 18, 2023 - Jan 2, 2024
#7	-4.38% Sep 24, 2014 - Oct 17, 2014	-2.44% Apr 10, 2024 - Jun 25, 2024
#8	-3.81% Jul 12, 2021 - Jul 21, 2021	-2.03% Mar 14, 2024 - Mar 21, 2024
#9	-3.50% Jul 21, 2021 - Aug 2, 2021	-1.90% Jun 26, 2024 - Aug 8, 2024
#10	-3.07% Dec 9, 2014 - Dec 18, 2014	-1.81% Jul 15, 2025 - Aug 28, 2025
#11	-2.70% Nov 3, 2014 - Nov 6, 2014	-1.41% May 25, 2021 - Jun 24, 2021
#12	-2.59% Apr 17, 2014 - May 1, 2014	-1.26% Sep 5, 2023 - Sep 20, 2023
#13	-2.00% Sep 13, 2021 - Sep 17, 2021	-1.25% Sep 15, 2025 - Nov 5, 2025
#14	-1.91% Apr 29, 2021 - May 6, 2021	-1.22% May 12, 2026 - May 28, 2026
#15	-1.83% May 24, 2021 - May 26, 2021	-1.16% Nov 18, 2025 - Dec 8, 2025

Correlation

Correlation between NAVI and OXLCL is -0.65 which considered as a moderate negative correlation - the stocks show some tendency to move in opposite directions.

-0.65

-101

Dividend Comparison (2014 - 2026)

NAVI vs OXLCL dividend yield comparison.

Year	NAVI	OXLCL
2026	4.10%	1.71%
2025	4.92%	7.01%
2024	4.82%	7.24%
2023	3.44%	7.24%
2022	3.89%	7.47%
2021	3.02%	3.76%
2020	6.52%	0.00%
2019	4.68%	0.00%
2018	7.26%	0.00%
2017	4.80%	0.00%
2016	3.90%	0.00%
2015	5.59%	0.00%
2014	2.08%	0.00%