Overview Dividends

(NAVI) Navient - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US63938C1080

Loans, Servicing, Education, Collections, Asset

NAVI EPS (Earnings per Share)

EPS Growth (3Y CAGR): -45.74%
EPS Trend (3Y Correlation): -71.9%

NAVI Revenue

Revenue Growth (3Y CAGR): -8.50%
Revenue Trend (3Y Correlation): 0.4%

Description: NAVI Navient

Navient Corp (NASDAQ:NAVI) is a consumer finance company listed on the NASDAQ stock exchange. The companys stock performance is closely tied to the overall consumer finance industry and macroeconomic factors influencing consumer debt.

Key drivers of Navients stock performance include the companys ability to manage its loan portfolio, interest rates, and regulatory changes. As a consumer finance company, Navients revenue is largely dependent on interest income from its loan portfolio, making it sensitive to changes in interest rates. A rising interest rate environment can increase Navients revenue, but it also increases the risk of borrower default.

To evaluate Navients financial health, key performance indicators (KPIs) such as the delinquency rate, charge-off rate, and allowance for loan losses are crucial. A high delinquency rate or charge-off rate can negatively impact Navients profitability and return on equity (RoE). Currently, Navients RoE stands at 1.30%, indicating a relatively low return on shareholders equity.

The companys valuation multiples, such as the price-to-earnings (P/E) ratio of 39.56, suggest that Navients stock may be overvalued relative to its current earnings. However, the forward P/E ratio of 12.06 indicates expected earnings growth, potentially driven by improved operational efficiency or favorable market conditions.

Investors should also consider macroeconomic factors, such as GDP growth, unemployment rates, and regulatory changes, which can impact Navients business. For instance, a strong labor market with low unemployment can reduce the risk of borrower default, while regulatory changes can affect Navients ability to originate new loans or manage its existing portfolio.

NAVI Stock Overview

Market Cap in USD	1,298m
Sub-Industry	Consumer Finance
IPO / Inception	2014-04-17

NAVI Stock Ratings

Growth Rating	-1.30%
Fundamental	40.3%
Dividend Rating	53.7%
Return 12m vs S&P 500	-25.3%
Analyst Rating	2.90 of 5

NAVI Dividends

Dividend Yield 12m	4.68%
Yield on Cost 5y	8.72%
Annual Growth 5y	0.00%
Payout Consistency	96.2%
Payout Ratio	38.6%

NAVI Growth Ratios

Growth Correlation 3m	-31.6%
Growth Correlation 12m	-53%
Growth Correlation 5y	4.9%
CAGR 5y	13.36%
CAGR/Max DD 5y	0.28
Sharpe Ratio 12m	0.72
Alpha	-28.32
Beta	0.924
Volatility	31.12%
Current Volume	702k
Average Volume 20d	698k
Stop Loss	13.2 (-3.7%)
Signal	0.44

Piotroski VR‑10 (Strict, 0-10) 2.0

Net Income (34.0m TTM) > 0 and > 6% of Revenue (6% = 212.0m TTM)

FCFTA 0.00 (>2.0%) and ΔFCFTA -1.19pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -75.71% (prev 307.9%; Δ -383.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.00 (>3.0%) and CFO 195.0m > Net Income 34.0m (YES >=105%, WARN >=100%)

Net Debt (45.02b) to EBITDA (2.05b) ratio: 21.99 <= 3.0 (WARN <= 3.5)

Current Ratio 0.44 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (101.0m) change vs 12m ago -9.82% (target <= -2.0% for YES)

Gross Margin 76.90% (prev 402.4%; Δ -325.5pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.61% (prev -1.27%; Δ 7.88pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.71 (EBITDA TTM 2.05b / Interest Expense TTM 2.88b) >= 6 (WARN >= 3)

Altman Z'' 0.32

(A) -0.05 = (Total Current Assets 2.08b - Total Current Liabilities 4.75b) / Total Assets 50.22b

(B) 0.09 = Retained Earnings (Balance) 4.67b / Total Assets 50.22b

(D) 0.10 = Book Value of Equity 4.68b / Total Liabilities 47.66b

Total Rating: 0.32 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 40.27

1. Piotroski 2.0pt = -3.0

2. FCF Yield 0.42% = 0.21

3. FCF Margin 5.52% = 1.38

4. Debt/Equity 18.47 = -2.50

5. Debt/Ebitda 23.14 = -2.50

6. ROIC - WACC 1.81% = 2.26

7. RoE 1.30% = 0.11

8. Rev. Trend 0.42% = 0.02

9. Rev. CAGR -8.50% = -1.42

10. EPS Trend -71.91% = -1.80

11. EPS CAGR -45.74% = -2.50

What is the price of NAVI shares?

As of August 31, 2025, the stock is trading at USD 13.71 with a total of 701,968 shares traded.
Over the past week, the price has changed by +1.11%, over one month by -0.58%, over three months by +2.09% and over the past year by -12.58%.

Is Navient a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Navient (NASDAQ:NAVI) is currently (August 2025) a stock to sell. It has a ValueRay Fundamental Rating of 40.27 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of NAVI is around 13.50 USD . This means that NAVI is currently overvalued and has a potential downside of -1.53%.

Is NAVI a buy, sell or hold?

Navient has received a consensus analysts rating of 2.90. Therefor, it is recommend to hold NAVI.

Strong Buy: 1
Buy: 0
Hold: 7
Sell: 1
Strong Sell: 1

What are the forecasts/targets for the NAVI price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	14.4	5%
Analysts Target Price	13.2	-4.1%
ValueRay Target Price	14.2	3.9%

Last update: 2025-08-21 11:28

NAVI Fundamental Data Overview

Market Cap USD = 1.30b (1.30b USD * 1.0 USD.USD)
CCE Cash And Equivalents = 2.08b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 40.7813
P/E Forward = 9.2851
P/S = 2.2219
P/B = 0.5061
P/EG = 0.142
Beta = 1.388
Revenue TTM = 3.53b USD
EBIT TTM = 2.05b USD
EBITDA TTM = 2.05b USD
Long Term Debt = 42.61b USD (from longTermDebt, last quarter)
Short Term Debt = 4.75b USD (from shortTermDebt, last quarter)
Debt = 47.36b USD (Calculated: Short Term 4.75b + Long Term 42.61b)
Net Debt = 45.02b USD (from netDebt column, last quarter)
Enterprise Value = 46.58b USD (1.30b + Debt 47.36b - CCE 2.08b)
Interest Coverage Ratio = 0.71 (Ebit TTM 2.05b / Interest Expense TTM 2.88b)
FCF Yield = 0.42% (FCF TTM 195.0m / Enterprise Value 46.58b)
FCF Margin = 5.52% (FCF TTM 195.0m / Revenue TTM 3.53b)
Net Margin = 0.96% (Net Income TTM 34.0m / Revenue TTM 3.53b)
Gross Margin = 76.90% ((Revenue TTM 3.53b - Cost of Revenue TTM 816.0m) / Revenue TTM)
Tobins Q-Ratio = 9.96 (Enterprise Value 46.58b / Book Value Of Equity 4.68b)
Interest Expense / Debt = 1.37% (Interest Expense 650.0m / Debt 47.36b)
Taxrate = 24.71% (from yearly Income Tax Expense: 43.0m / 174.0m)
NOPAT = 1.54b (EBIT 2.05b * (1 - 24.71%))
Current Ratio = 0.44 (Total Current Assets 2.08b / Total Current Liabilities 4.75b)
Debt / Equity = 18.47 (Debt 47.36b / last Quarter total Stockholder Equity 2.56b)
Debt / EBITDA = 23.14 (Net Debt 45.02b / EBITDA 2.05b)
Debt / FCF = 242.9 (Debt 47.36b / FCF TTM 195.0m)
Total Stockholder Equity = 2.62b (last 4 quarters mean)
RoA = 0.07% (Net Income 34.0m, Total Assets 50.22b )
RoE = 1.30% (Net Income TTM 34.0m / Total Stockholder Equity 2.62b)
RoCE = 4.54% (Ebit 2.05b / (Equity 2.62b + L.T.Debt 42.61b))
RoIC = 3.07% (NOPAT 1.54b / Invested Capital 50.37b)
WACC = 1.26% (E(1.30b)/V(48.66b) * Re(9.42%)) + (D(47.36b)/V(48.66b) * Rd(1.37%) * (1-Tc(0.25)))
Shares Correlation 5-Years: -100.0 | Cagr: -9.97%
Discount Rate = 9.42% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 77.10% ; FCFE base≈474.2m ; Y1≈585.0m ; Y5≈998.1m
Fair Price DCF = 133.2 (DCF Value 13.24b / Shares Outstanding 99.4m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 0.42 | Revenue CAGR: -8.50%
Rev Growth-of-Growth: 155.2
EPS Correlation: -71.91 | EPS CAGR: -45.74%
EPS Growth-of-Growth: 3.33

Additional Sources for NAVI Stock

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