Stock Scorecard



Stock Summary for Navient Corp (NAVI) - $12.78 as of 8/18/2025 11:02:02 AM EST

Total Score

11 out of 30

Safety Score

54 out of 100

Currently on the following lists
None
Tim's Recommendation
Avoid

Growth List Algorithm Criteria for NAVI

Positive Quarterly and Annual earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the Annual earnings growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for NAVI

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for NAVI

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2
Cash Flow per Share greater than Trailing Dividend Rate

Bonus Criteria for NAVI

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Safety Rating Criteria for NAVI (54 out of 100)

Stock Price Rating (Max of 10) 5
Historical Stock Price Rating (Max of 10) 6
Stock Price Trend (Max of 10) 2
Book Value (Max of 10) 7
Book Value to Price (Max of 10) 10
Analyst Buy Ratings (Max of 5) 2
Analyst Strong Buy Ratings (Max of 5) 0
Dividend Yield Percentage (Max of 10) 8
Operating Margin (Max of 10) 4
Trading Volume (Max of 10) 8
Price to Earnings (Max of 10) 2
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Latest News for for NAVI

Navient declares third quarter common stock dividend 8/14/2025 9:00:00 PM
Navient declares third quarter common stock dividend - Navient ( NASDAQ:NAVI ) 8/14/2025 9:00:00 PM
CACC's Q2 Earnings Lag on High Costs, Finance Charges Provide Support 8/1/2025 12:02:00 PM
Navient Q2 Earnings Miss on Lower NII & Higher Provisions, Stock Down 7/30/2025 5:04:00 PM
Navient ( NAVI ) Q2 Earnings and Revenues Miss Estimates 7/30/2025 12:10:00 PM
Navient posts second quarter 2025 financial results 7/30/2025 10:45:00 AM
Navient's Q2 Earnings in the Cards: Here's What to Expect 7/28/2025 2:28:00 PM
Discover Deal Boosts COF's Q2 Earnings, Consumer Spending in Focus 7/23/2025 1:07:00 PM
COF Up on Q2 Earnings Beat, Discover Deal Boosts NII and Fee Income 7/23/2025 12:17:00 PM
ALLY Q2 Earnings Top on Higher Net Finance Revenues & Lower Provision ( Revised ) 7/22/2025 11:36:00 AM

Financial Details for NAVI

Company Overview

Ticker NAVI
Company Name Navient Corp
Country USA
Description Navient Corporation provides education loan management and business processing solutions for federal, state, and local government, education, and healthcare clients in the United States. The company is headquartered in Wilmington, Delaware.
Sector Name FINANCE
Industry Name SECURITY BROKERS, DEALERS & FLOTATION COMPANIES
Most Recent Quarter 6/30/2025
Next Earnings Date 10/28/2025

Stock Price History

Last Day Price 12.78
Price 4 Years Ago 18.42
Last Day Price Updated 8/18/2025 11:02:02 AM EST
Last Day Volume 890,445
Average Daily Volume 1,086,697
52-Week High 16.23
52-Week Low 10.41
Last Price to 52 Week Low 22.77%

Valuation Measures

Trailing PE 41.09
Industry PE 26.39
Sector PE 21.43
5-Year Average PE 11.19
Free Cash Flow Ratio 0.61
Industry Free Cash Flow Ratio 8.39
Sector Free Cash Flow Ratio 14.55
Current Ratio Most Recent Quarter 0.44
Total Cash Per Share 20.89
Book Value Per Share Most Recent Quarter 25.79
Price to Book Ratio 0.51
Industry Price to Book Ratio 3.29
Sector Price to Book Ratio 2.21
Price to Sales Ratio Twelve Trailing Months 2.24
Industry Price to Sales Ratio Twelve Trailing Months 7.56
Sector Price to Sales Ratio Twelve Trailing Months 3.35
Analyst Buy Ratings 1
Analyst Strong Buy Ratings 0

Share Statistics

Total Shares Outstanding 99,431,000
Market Capitalization 1,270,728,180
Institutional Ownership 101.71%

Dividends

Ex-Dividend Date 9/5/2025
Previous Dividend Amount 0.1600
Current Dividend Amount 0.1600
Total Years Dividend Increasing 0
Trailing Annual Dividend Rate 0.64
Trailing Annual Dividend Yield 4.87%
Forward Annual Dividend Rate 0.64
Forward Annual Dividend Yield 4.87%
5-Year Dividend Payments Count 21
3-Year Average Dividend Yield 4.93%
5-Year Average Dividend Yield 4.09%
1-Year Dividend Growth Rate Percentage 0.00%
3-Year Dividend Growth Rate Percentage 0.00%
5-Year Dividend Growth Rate Percentage 0.00%
All-Time Dividend Growth Rate Percentage 0.00%
Dividend Payout Ratio 200.00%

Income Statement

Quarterly Earnings Growth YOY -59.40%
Annual Earnings Growth -42.54%
Reported EPS 12 Trailing Months 0.32
Reported EPS Past Year 0.45
Reported EPS Prior Year 1.97
Net Income Twelve Trailing Months 34,000,000
Net Income Past Year 131,000,000
Net Income Prior Year 228,000,000
Quarterly Revenue Growth YOY -48.90%
5-Year Revenue Growth 13.80%
Operating Margin Twelve Trailing Months 15.10%

Balance Sheet

Total Cash Most Recent Quarter 2,077,000,000
Total Cash Past Year 722,000,000
Total Cash Prior Year 839,000,000
Net Cash Position Most Recent Quarter -40,535,000,000
Net Cash Position Past Year -43,196,000,000
Long Term Debt Past Year 43,918,000,000
Long Term Debt Prior Year 53,276,000,000
Total Debt Most Recent Quarter 42,612,000,000
Equity to Debt Ratio Past Year 0.06
Equity to Debt Ratio Most Recent Quarter 0.06
Total Stockholder Equity Past Year 2,641,000,000
Total Stockholder Equity Prior Year 2,760,000,000
Total Stockholder Equity Most Recent Quarter 2,564,000,000

Free Cash Flow

Free Cash Flow Twelve Trailing Months 195,000,000
Free Cash Flow Per Share Twelve Trailing Months 1.96
Free Cash Flow Past Year 459,000,000
Free Cash Flow Prior Year 676,000,000

Options

Put/Call Ratio 107.00
Has Options Options Chain
Liquidity Rating

Technical Analysis

Yahoo Finance Chart Yahoo Finance Chart
MACD -0.40
MACD Signal -0.37
20-Day Bollinger Lower Band 10.73
20-Day Bollinger Middle Band 13.06
20-Day Bollinger Upper Band 15.39
Beta 1.39
RSI 43.44
50-Day SMA 13.77
150-Day SMA 14.86
200-Day SMA 14.92

System

Modified 8/16/2025 5:36:59 AM EST