Stock Scorecard

Stock Summary for Navient Corp (NAVI) - $12.85 as of 10/8/2025 4:23:54 PM EST

Total Score

11 out of 30

Safety Score

55 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 (55 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) 9
Price to Earnings (Max of 10) 2
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Financial Details for NAVI

Company Overview
Ticker NAVI
Company Name Navient Corp
Country USA
Description Navient Corporation is a leading provider of education loan management and business processing solutions, serving a diverse range of clients including federal, state, and local governments, as well as institutions in the education and healthcare sectors across the United States. Headquartered in Wilmington, Delaware, Navient leverages its expertise to facilitate borrowers' success in repaying student loans while optimizing the operational efficiencies of its clients. Through innovative technology and dedicated customer service, the company plays a critical role in managing a significant portion of the federal student loan portfolio, positioning itself as a vital player in the U.S. education finance landscape.
Sector Name FINANCIAL SERVICES
Industry Name CREDIT SERVICES
Most Recent Quarter 6/30/2025
Next Earnings Date 10/29/2025

Stock Price History
Last Day Price 12.85
Price 4 Years Ago 18.21
Last Day Price Updated 10/8/2025 4:23:54 PM EST
Last Day Volume 1,374,119
Average Daily Volume 868,212
52-Week High 15.88
52-Week Low 10.28
Last Price to 52 Week Low 25.00%

Valuation Measures
Trailing PE 41.53
Industry PE 30.99
Sector PE 24.41
5-Year Average PE -0.86
Free Cash Flow Ratio 0.62
Industry Free Cash Flow Ratio 15.26
Sector Free Cash Flow Ratio 43.60
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 3.82
Sector Price to Book Ratio 2.28
Price to Sales Ratio Twelve Trailing Months 2.26
Industry Price to Sales Ratio Twelve Trailing Months 3.02
Sector Price to Sales Ratio Twelve Trailing Months 3.96
Analyst Buy Ratings 1
Analyst Strong Buy Ratings 0

Share Statistics
Total Shares Outstanding 99,431,000
Market Capitalization 1,277,688,350
Institutional Ownership 104.35%

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 5.08%
Forward Annual Dividend Rate 0.64
Forward Annual Dividend Yield 5.08%
5-Year Dividend Payments Count 20
3-Year Average Dividend Yield 4.99%
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 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 -0.46
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 8.00
Has Options Options Chain
Liquidity Rating

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD -0.02
MACD Signal -0.04
20-Day Bollinger Lower Band 12.04
20-Day Bollinger Middle Band 13.37
20-Day Bollinger Upper Band 14.71
Beta 1.35
RSI 54.33
50-Day SMA 13.30
150-Day SMA 14.67
200-Day SMA 14.59

System
Modified 10/7/2025 5:12:44 AM EST