NAVI Stock Analysis: Navient | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 809m USD | 12M Return: -43.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.17M
Qual. Beats: 0
Rev. Trend: -93.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 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 provider of education finance and related services, operating through two main segments: Federal Education Loans and Consumer Lending. The company manages a portfolio of private education loans and offers student lending products, including in-school loans and refinancing, primarily under its Earnest brand. It also holds and services Federal Family Education Loan Program (FFELP) loans backed by state or not-for-profit guarantees, and provides third-party servicing for federal education loans owned by other institutions. Founded in 1973 and headquartered in Herndon, Virginia, Navient functions as a specialty consumer finance company focused on the student loan market, which is heavily influenced by federal lending policies and higher education financing trends in the United States.
- FFELP loan portfolio runoff accelerates as prepayments surge
- Earnest refinancing faces competition from SoFi in high rate environment
- Litigation reserves rise amid state AG and CFPB servicing probes
| Net Income: -60.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.01 > 1.0 |
| NWC/Revenue: -40.63% < 20% (prev -57.95%; Δ 17.32% < -1%) |
| CFO/TA 0.01 > 3% & CFO 323.0m > Net Income -60.0m |
| Net Debt (44.6b) to EBITDA (541.0m): 82.37 < 3 |
| Current Ratio: 0.75 > 1.5 & < 3 |
| Outstanding Shares: last quarter (96.0m) vs 12m ago -5.88% < -2% |
| Gross Margin: 29.92% > 18% (prev 17.95%; Δ 11.97% > 0.5%) |
| Asset Turnover: 6.19% > 50% (prev 7.65%; Δ -1.47% > 0%) |
| Interest Coverage Ratio: 0.22 > 6 (EBIT TTM 538.0m / Interest Expense TTM 2.47b) |
| A: -0.03 (Total Current Assets 3.76b - Total Current Liabilities 5.01b) / Total Assets 48.0b |
| B: 0.09 (Retained Earnings 4.55b / Total Assets 48.0b) |
| C: 0.01 (EBIT TTM 538.0m / Avg Total Assets 49.5b) |
| D: 0.05 (Book Value of Equity 2.38b / Total Liabilities 45.6b) |
| Altman-Z'' = 0.27 = B |
| DSRI: 1.15 (Receivables 1.63b/1.80b, Revenue 3.06b/3.90b) |
| GMI: 0.60 (GM 17.95% / 29.92%) |
| AQI: 0.97 (AQ_t 0.92 / AQ_t-1 0.95) |
| SGI: 0.79 (Revenue 3.06b / 3.90b) |
| TATA: -0.01 (NI -60.0m - CFO 323.0m) / TA 48.0b) |
| Beneish M = -3.44 (Cap -4..+1) = AA |
As of July 10, 2026, the stock is trading at USD 8.03 with a total of 934,757 shares traded. Over the past week, the price has changed by -8.02%, over one month by +1.01%, over three months by -1.22% and over the past year by -43.66%.
Current recommended Stop Loss: 7.60 (which is 5.4% or 1.3 ATR below the current price).
Navient has received a consensus analysts rating of 2.90. Therefore, it is recommended to hold NAVI.
- StrongBuy: 1
- Buy: 0
- Hold: 7
- Sell: 1
- StrongSell: 1
| Analysts Target Price | 9.4 | 17.6% |
P/E Forward = 11.8064
P/S = 2.4597
P/B = 0.3404
P/EG = 0.1269
Revenue TTM = 3.06b USD
EBIT TTM = 538.0m USD
EBITDA TTM = 541.0m USD
Long Term Debt = 40.2b USD (from longTermDebt, last quarter)
Short Term Debt = 5.01b USD (from shortTermDebt, last quarter)
Debt = 45.2b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 44.6b USD (calculated: Debt 45.2b - CCE 621.0m)
Enterprise Value = 45.4b USD (809.2m + Debt 45.2b - CCE 621.0m)
Interest Coverage Ratio = 0.22 (Ebit TTM 538.0m / Interest Expense TTM 2.47b)
EV/FCF = 140.5x (Enterprise Value 45.4b / FCF TTM 323.0m)
FCF Yield = 0.71% (FCF TTM 323.0m / Enterprise Value 45.4b)
FCF Margin = 10.55% (FCF TTM 323.0m / Revenue TTM 3.06b)
Net Margin = -1.96% (Net Income TTM -60.0m / Revenue TTM 3.06b)
Gross Margin = 29.92% ((Revenue TTM 3.06b - Cost of Revenue TTM 2.15b) / Revenue TTM)
Gross Margin QoQ = 18.85% (prev 88.44%)
Tobins Q-Ratio = 0.95 (Enterprise Value 45.4b / Total Assets 48.0b)
Interest Expense / Debt = 5.48% (Interest Expense 2.47b / Debt 45.2b)
Taxrate = 46.88% (15.0m / 32.0m)
NOPAT = 285.8m (EBIT 538.0m * (1 - 46.88%))
Current Ratio = 0.75 (Total Current Assets 3.76b / Total Current Liabilities 5.01b)
Debt / Equity = 18.99 (Debt 45.2b / totalStockholderEquity, last quarter 2.38b)
Debt / EBITDA = 82.37 (Net Debt 44.6b / EBITDA 541.0m)
Debt / FCF = 138.0 (Net Debt 44.6b / FCF TTM 323.0m)
Total Stockholder Equity = 2.45b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.12% (Net Income -60.0m / Total Assets 48.0b)
RoE = -2.45% (Net Income TTM -60.0m / Total Stockholder Equity 2.45b)
RoCE = 1.26% (EBIT 538.0m / Capital Employed (Equity 2.45b + L.T.Debt 40.2b))
RoIC = 0.60% (NOPAT 285.8m / Invested Capital 47.9b)
WACC = 3.01% (E(809.2m)/V(46.0b) * Re(8.78%) + D(45.2b)/V(46.0b) * Rd(5.48%) * (1-Tc(0.47)))
Discount Rate = 8.78% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -91.11 | Cagr: -10.10%
[DCF] Terminal Value 74.41% ; FCFF base≈333.0m ; Y1≈314.2m ; Y5≈294.0m
[DCF] Fair Price = N/A (negative equity: EV 4.64b - Net Debt 44.6b = -39.9b; debt exceeds intrinsic value)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.10 | # QB: 0
Revenue Correlation: -93.39 | Revenue CAGR: -16.11% | SUE: 0.50 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.19 | Chg30d=-2.51% | Revisions=-25% | Analysts=8
EPS next Quarter (2026-09-30): EPS=0.09 | Chg30d=+0.00% | Revisions=+22% | Analysts=8
EPS current Year (2026-12-31): EPS=0.71 | Chg30d=-0.70% | Revisions=+55% | GrowthEPS=+304.1% | GrowthRev=+4.0%
EPS next Year (2027-12-31): EPS=0.95 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+32.4% | GrowthRev=+12.4%
[Analyst] Revisions Ratio: +32% (up=13, down=6)