Stock Scorecard
Stock Summary for Navient Corp (NAVI) - $11.83 as of 11/24/2025 9:14:50 PM EST
Total Score
9 out of 30
Safety Score
59 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 (59 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) | 10 |
| Trading Volume (Max of 10) | 9 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for NAVI
Financial Details for NAVI
Company Overview |
|
|---|---|
| Ticker | NAVI |
| Company Name | Navient Corp |
| Country | USA |
| Description | Navient Corporation (NAVI) is a prominent provider of education loan management and business processing solutions in the United States, catering to a broad client base that encompasses government entities and educational institutions. Based in Wilmington, Delaware, Navient is pivotal in facilitating student loan repayment and enhancing operational efficiencies for its partners, managing a substantial share of the federal student loan portfolio. The company is recognized for its commitment to leveraging cutting-edge technology and delivering superior customer service, solidifying its status as a key participant in the U.S. education finance sector. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | CREDIT SERVICES |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/27/2026 |
Stock Price History |
|
| Last Day Price | 11.83 |
| Price 4 Years Ago | 18.21 |
| Last Day Price Updated | 11/24/2025 9:14:50 PM EST |
| Last Day Volume | 1,552,482 |
| Average Daily Volume | 747,524 |
| 52-Week High | 15.88 |
| 52-Week Low | 10.28 |
| Last Price to 52 Week Low | 15.08% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 22.18 |
| Sector PE | 22.67 |
| 5-Year Average PE | 2.84 |
| Free Cash Flow Ratio | 2.02 |
| Industry Free Cash Flow Ratio | 12.62 |
| Sector Free Cash Flow Ratio | 40.19 |
| Current Ratio Most Recent Quarter | 0.51 |
| Total Cash Per Share | 5.86 |
| Book Value Per Share Most Recent Quarter | 25.01 |
| Price to Book Ratio | 0.47 |
| Industry Price to Book Ratio | 3.90 |
| Sector Price to Book Ratio | 1.85 |
| Price to Sales Ratio Twelve Trailing Months | 2.58 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.92 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.67 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 97,507,000 |
| Market Capitalization | 1,153,507,810 |
| Institutional Ownership | 105.05% |
Dividends |
|
| Ex-Dividend Date | 12/5/2025 |
| 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 | 5.37% |
| Forward Annual Dividend Rate | 0.64 |
| Forward Annual Dividend Yield | 5.37% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 4.35% |
| 5-Year Average Dividend Yield | 4.14% |
| 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 | -125.49% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -59.40% |
| Annual Earnings Growth | -42.54% |
| Reported EPS 12 Trailing Months | -0.51 |
| Reported EPS Past Year | -1.30 |
| Reported EPS Prior Year | 1.97 |
| Net Income Twelve Trailing Months | -50,000,000 |
| Net Income Past Year | 131,000,000 |
| Net Income Prior Year | 228,000,000 |
| Quarterly Revenue Growth YOY | -48.90% |
| 5-Year Revenue Growth | 16.23% |
| Operating Margin Twelve Trailing Months | 1,614.00% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 571,000,000 |
| Total Cash Past Year | 722,000,000 |
| Total Cash Prior Year | 839,000,000 |
| Net Cash Position Most Recent Quarter | -41,083,000,000 |
| 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 | 41,654,000,000 |
| 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 | 2,439,000,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 275,000,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.82 |
| Free Cash Flow Past Year | 459,000,000 |
| Free Cash Flow Prior Year | 676,000,000 |
Options |
|
| Put/Call Ratio | 1.29 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.25 |
| MACD Signal | -0.23 |
| 20-Day Bollinger Lower Band | 11.16 |
| 20-Day Bollinger Middle Band | 12.89 |
| 20-Day Bollinger Upper Band | 14.61 |
| Beta | 1.31 |
| RSI | 43.04 |
| 50-Day SMA | 13.02 |
| 150-Day SMA | 14.57 |
| 200-Day SMA | 14.40 |
System |
|
| Modified | 11/22/2025 4:28:42 AM EST |