(NAVI) Navient - Overview
Stock: Education Loans, Loan Servicing, Private Lending, Business Processing
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.78% |
| Yield on Cost 5y | 6.13% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 96.2% |
| Payout Ratio | 200.0% |
| Risk 5d forecast | |
|---|---|
| Volatility | 33.9% |
| Relative Tail Risk | -4.73% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.56 |
| Alpha | -39.71 |
| Character TTM | |
|---|---|
| Beta | 1.057 |
| Beta Downside | 1.110 |
| Drawdowns 3y | |
|---|---|
| Max DD | 45.16% |
| CAGR/Max DD | -0.34 |
Description: NAVI Navient January 18, 2026
Navient Corp. (NASDAQ:NAVI) delivers technology-enabled financing and business-process services across education, health-care, and government sectors in the United States, organized into three segments: Federal Education Loans, Consumer Lending, and Business Processing. The firm services its own Federal Family Education Loan Program (FFELP) assets, originates and services private education loans, and provides omnichannel contact-center and revenue-cycle solutions to public-sector and health-care clients.
Key metrics (Q4 2024): the company reported a loan portfolio of roughly $30 billion, with a net interest margin of 4.2% and a delinquency rate on education loans of 5.1%, modestly above the industry average of 4.5%. NAVI’s earnings per share (EPS) fell 12% YoY to $0.48, reflecting higher provisioning for loan-loss reserves amid the ongoing student-loan repayment moratorium and rising interest-rate volatility. The business-processing segment contributed ≈ 22% of total revenue, benefitting from increased demand for digital workflow automation in government agencies.
Given the sensitivity of NAVI’s earnings to federal policy (e.g., potential changes to student-loan forgiveness) and macro-interest-rate trends, a closer look at its forward-looking cash-flow forecasts is warranted; ValueRay’s interactive valuation models can help you explore those dynamics in depth.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: -79.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.90 > 1.0 |
| NWC/Revenue: -92.93% < 20% (prev -50.14%; Δ -42.78% < -1%) |
| CFO/TA 0.01 > 3% & CFO 275.0m > Net Income -79.0m |
| Net Debt (2.97b) to EBITDA (511.0m): 5.81 < 3 |
| Current Ratio: 0.41 > 1.5 & < 3 |
| Outstanding Shares: last quarter (83.3m) vs 12m ago -23.55% < -2% |
| Gross Margin: 28.51% > 18% (prev 0.20%; Δ 2831 % > 0.5%) |
| Asset Turnover: 6.36% > 50% (prev 8.18%; Δ -1.82% > 0%) |
| Interest Coverage Ratio: 0.28 > 6 (EBITDA TTM 511.0m / Interest Expense TTM 2.58b) |
Altman Z'' 0.11
| A: -0.06 (Total Current Assets 2.10b - Total Current Liabilities 5.07b) / Total Assets 48.68b |
| B: 0.09 (Retained Earnings 4.55b / Total Assets 48.68b) |
| C: 0.01 (EBIT TTM 732.0m / Avg Total Assets 50.23b) |
| D: 0.10 (Book Value of Equity 4.56b / Total Liabilities 46.28b) |
| Altman-Z'' Score: 0.11 = B |
What is the price of NAVI shares?
Over the past week, the price has changed by +2.45%, over one month by -21.73%, over three months by -12.76% and over the past year by -23.50%.
Is NAVI a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 7
- Sell: 1
- StrongSell: 1
What are the forecasts/targets for the NAVI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 11.5 | 14.4% |
| Analysts Target Price | 11.5 | 14.4% |
| ValueRay Target Price | 10.1 | 0.4% |
NAVI Fundamental Data Overview February 01, 2026
P/S = 2.8425
P/B = 0.395
P/EG = 0.142
Revenue TTM = 3.19b USD
EBIT TTM = 732.0m USD
EBITDA TTM = 511.0m USD
Long Term Debt = 41.65b USD (from longTermDebt, two quarters ago)
Short Term Debt = 5.07b USD (from shortTermDebt, last quarter)
Debt = 45.71b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.97b USD (from netDebt column, last quarter)
Enterprise Value = 44.54b USD (938.0m + Debt 45.71b - CCE 2.10b)
Interest Coverage Ratio = 0.28 (Ebit TTM 732.0m / Interest Expense TTM 2.58b)
EV/FCF = 162.0x (Enterprise Value 44.54b / FCF TTM 275.0m)
FCF Yield = 0.62% (FCF TTM 275.0m / Enterprise Value 44.54b)
FCF Margin = 8.61% (FCF TTM 275.0m / Revenue TTM 3.19b)
Net Margin = -2.47% (Net Income TTM -79.0m / Revenue TTM 3.19b)
Gross Margin = 28.51% ((Revenue TTM 3.19b - Cost of Revenue TTM 2.28b) / Revenue TTM)
Gross Margin QoQ = 88.44% (prev -0.88%)
Tobins Q-Ratio = 0.91 (Enterprise Value 44.54b / Total Assets 48.68b)
Interest Expense / Debt = 1.36% (Interest Expense 621.0m / Debt 45.71b)
Taxrate = 21.0% (US default 21%)
NOPAT = 578.3m (EBIT 732.0m * (1 - 21.00%))
Current Ratio = 0.41 (Total Current Assets 2.10b / Total Current Liabilities 5.07b)
Debt / Equity = 19.05 (Debt 45.71b / totalStockholderEquity, last quarter 2.40b)
Debt / EBITDA = 5.81 (Net Debt 2.97b / EBITDA 511.0m)
Debt / FCF = 10.80 (Net Debt 2.97b / FCF TTM 275.0m)
Total Stockholder Equity = 2.50b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.16% (Net Income -79.0m / Total Assets 48.68b)
RoE = -3.16% (Net Income TTM -79.0m / Total Stockholder Equity 2.50b)
RoCE = 1.66% (EBIT 732.0m / Capital Employed (Equity 2.50b + L.T.Debt 41.65b))
RoIC = 1.18% (NOPAT 578.3m / Invested Capital 49.02b)
WACC = 1.25% (E(938.0m)/V(46.64b) * Re(9.81%) + D(45.71b)/V(46.64b) * Rd(1.36%) * (1-Tc(0.21)))
Discount Rate = 9.81% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -10.29%
[DCF Debug] Terminal Value 88.43% ; FCFF base≈469.4m ; Y1≈579.0m ; Y5≈986.1m
Fair Price DCF = 268.2 (EV 28.72b - Net Debt 2.97b = Equity 25.75b / Shares 96.0m; r=5.90% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: -70.07 | EPS CAGR: -63.55% | SUE: -0.44 | # QB: 0
Revenue Correlation: -41.00 | Revenue CAGR: -2.88% | SUE: 1.90 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.16 | Chg30d=-0.071 | Revisions Net=-4 | Analysts=7
EPS current Year (2026-12-31): EPS=0.69 | Chg30d=-0.504 | Revisions Net=-1 | Growth EPS=+297.7% | Growth Revenue=+8.3%
EPS next Year (2027-12-31): EPS=1.04 | Chg30d=-0.389 | Revisions Net=+0 | Growth EPS=+50.3% | Growth Revenue=+3.6%