NAVI Stock Analysis: Navient | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 862m USD | 12M Return: -23.1% | US63938C1080 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 12.9M
Qual. Beats: 0
Rev. Trend: -98.0%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Navient Corporation (NASDAQ: NAVI) is a U.S.-based financial services company specializing in education finance, operating through two main segments: Federal Education Loans and Consumer Lending. The company owns and manages a portfolio of private education loans, offers in-school student loans and refinancing products under the Earnest brand, and holds FFELP loans insured or guaranteed by state or not-for-profit agencies. In addition to its own portfolio, Navient provides loan servicing for federal education loans held by other institutions. Founded in 1973 and headquartered in Herndon, Virginia, Navient is classified within the GICS Consumer Finance sub-industry.
Navient operates in the consumer finance sector with a focus on student lending, a niche that has faced significant regulatory and political scrutiny in recent years. The FFELP loan portfolio it services represents legacy originations, as the program stopped issuing new loans in 2010, meaning the companys federal loan book is amortizing rather than growing through new originations.
- FFELP loan portfolio cash flow and runoff pace
- Private education loan demand under Earnest brand pressures
- Servicing revenue from third-party federal loan portfolios
- Student loan regulatory shifts impact default and recovery rates
| Net Income: -49.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.33 > 1.0 |
| NWC/Revenue: -70.63% < 20% (prev -56.94%; Δ -13.68% < -1%) |
| CFO/TA 0.01 > 3% & CFO 340.0m > Net Income -49.0m |
| Net Debt (42.2b) to EBITDA (1.10b): 38.50 < 3 |
| Current Ratio: 0.51 > 1.5 & < 3 |
| Outstanding Shares: last quarter (96.0m) vs 12m ago -4.95% < -2% |
| Gross Margin: 49.42% > 18% (prev 16.21%; Δ 33.22% > 0.5%) |
| Asset Turnover: 6.03% > 50% (prev 7.20%; Δ -1.17% > 0%) |
| Interest Coverage Ratio: 0.46 > 6 (EBIT TTM 1.09b / Interest Expense TTM 2.39b) |
| A: -0.04 (Total Current Assets 2.14b - Total Current Liabilities 4.21b) / Total Assets 47.3b |
| B: 0.10 (Retained Earnings 4.56b / Total Assets 47.3b) |
| C: 0.02 (EBIT TTM 1.09b / Avg Total Assets 48.8b) |
| D: 0.05 (Book Value of Equity 2.40b / Total Liabilities 44.9b) |
| Altman-Z'' = 0.23 = B |
| DSRI: 1.14 (Receivables 1.65b/1.78b, Revenue 2.94b/3.62b) |
| GMI: 0.33 (GM 16.21% / 49.42%) |
| AQI: 1.00 (AQ_t 0.95 / AQ_t-1 0.95) |
| SGI: 0.81 (Revenue 2.94b / 3.62b) |
| TATA: -0.01 (NI -49.0m - CFO 340.0m) / TA 47.3b) |
| Beneish M = -3.65 (Cap -4..+1) = AAA |
As of October 08, 2026, the stock is trading at USD 9.04 with a total of 1,680,734 shares traded. Over the past week, the price has changed by -0.33%, over one month by -4.54%, over three months by +10.12% and over the past year by -23.08%.
Current recommended Stop Loss: 8.40 (which is 7.1% or 1.9 ATR below the current price).
Navient has received a consensus analysts rating of 2.71. Therefore, it is recommended to hold NAVI.
- StrongBuy: 1
- Buy: 0
- Hold: 3
- Sell: 2
- StrongSell: 1
| Analysts Target Price | 9.1 | 0.3% |
P/E Forward = 9.1659
P/S = 2.5805
P/B = 0.3586
P/EG = 0.142
Revenue TTM = 2.94b USD
EBIT TTM = 1.09b USD
EBITDA TTM = 1.10b USD
Long Term Debt = 39.7b USD (from longTermDebt, last quarter)
Short Term Debt = 4.21b USD (from shortTermDebt, last quarter)
Debt = 44.3b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 42.2b USD (calculated: Debt 44.3b - CCE 2.14b)
Enterprise Value = 43.1b USD (861.9m + Debt 44.3b - CCE 2.14b)
Interest Coverage Ratio = 0.46 (Ebit TTM 1.09b / Interest Expense TTM 2.39b)
EV/FCF = 126.6x (Enterprise Value 43.1b / FCF TTM 340.0m)
FCF Yield = 0.79% (FCF TTM 340.0m / Enterprise Value 43.1b)
FCF Margin = 11.57% (FCF TTM 340.0m / Revenue TTM 2.94b)
Net Margin = -1.67% (Net Income TTM -49.0m / Revenue TTM 2.94b)
Gross Margin = 49.42% ((Revenue TTM 2.94b - Cost of Revenue TTM 1.49b) / Revenue TTM)
Gross Margin QoQ = none% (prev 18.85%)
Tobins Q-Ratio = 0.91 (Enterprise Value 43.1b / Total Assets 47.3b)
Interest Expense / Debt = 5.39% (Interest Expense 2.39b / Debt 44.3b)
Taxrate = 35.90% (14.0m / 39.0m)
NOPAT = 700.6m (EBIT 1.09b * (1 - 35.90%))
Current Ratio = 0.51 (Total Current Assets 2.14b / Total Current Liabilities 4.21b)
Debt / Equity = 18.49 (Debt 44.3b / totalStockholderEquity, last quarter 2.40b)
Debt / EBITDA = 38.50 (Net Debt 42.2b / EBITDA 1.10b)
Debt / FCF = 124.1 (Net Debt 42.2b / FCF TTM 340.0m)
Total Stockholder Equity = 2.40b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.10% (Net Income -49.0m / Total Assets 47.3b)
RoE = -2.04% (Net Income TTM -49.0m / Total Stockholder Equity 2.40b)
RoCE = 2.59% (EBIT 1.09b / Capital Employed (Equity 2.40b + L.T.Debt 39.7b))
RoIC = 1.49% (NOPAT 700.6m / Invested Capital 47.2b)
WACC = 3.54% (E(861.9m)/V(45.2b) * Re(7.79%) + D(44.3b)/V(45.2b) * Rd(5.39%) * (1-Tc(0.36)))
Discount Rate = 7.79% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -85.60 | Cagr: -7.35%
[DCF] Terminal Value 77.97% ; FCFF base≈282.0m ; Y1≈323.3m ; Y5≈475.8m
[DCF] Fair Price = N/A (negative equity: EV 7.16b - Net Debt 42.2b = -35.0b; debt exceeds intrinsic value)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.15 | # QB: 0
Revenue Correlation: -98.00 | Revenue CAGR: -18.64% | SUE: 0.47 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.09 | Chg30d=+0.00% | Revisions=-12% | Analysts=7
EPS current Year (2026-12-31): EPS=0.76 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+318.5% | GrowthRev=-3.2%
EPS next Year (2027-12-31): EPS=0.97 | Chg30d=+0.00% | Revisions=-12% | GrowthEPS=+26.4% | GrowthRev=+8.8%
[Analyst] Revisions Ratio: -11% (up=7, down=9)