(NAVI) Navient - Ratings and Ratios
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US63938C1080
Loan Servicing, Private Education Loans, FFELP Loans, Business Processing
Dividends
| Dividend Yield | 5.02% |
| Yield on Cost 5y | 8.50% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 96.2% |
| Payout Ratio | 200.0% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 31.2% |
| Value at Risk 5%th | 51.1% |
| Relative Tail Risk | -0.46% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.25 |
| Alpha | -25.25 |
| CAGR/Max DD | -0.11 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.613 |
| Beta | 1.072 |
| Beta Downside | 1.219 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.00% |
| Mean DD | 18.49% |
| Median DD | 18.90% |
Description: NAVI Navient November 15, 2025
Navient Corp (NASDAQ: NAVI) is a U.S.–based provider of technology-enabled finance and business-process services to education, health-care, and government clients, operating through three segments: Federal Education Loans, Consumer Lending, and Business Processing.
Its core activities include owning and servicing Federal Family Education Loan Program (FFELP) assets, originating and refinancing private student loans, and delivering omnichannel contact-center, workflow, and revenue-cycle solutions to public-sector entities and health-care systems. As of Q3 2024, Navient reported a loan portfolio of roughly $30 billion and a delinquency rate of 5.2% on its private student-loan book, while revenue growth has been modest (≈ 3% YoY) amid tightening credit conditions.
Key drivers for Navient’s outlook are the macro-economic environment-particularly interest-rate trends that affect refinancing demand-and regulatory risk, given ongoing scrutiny of student-loan servicing practices. The broader consumer-finance sector is also feeling pressure from higher borrowing costs and elevated unemployment, which can increase credit losses across loan portfolios.
For a deeper, data-rich dive into Navient’s valuation metrics and scenario analysis, you may find ValueRay’s research platform a useful next step.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (-50.0m TTM) > 0 and > 6% of Revenue (6% = 204.7m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.87pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -68.51% (prev -16.65%; Δ -51.86pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 275.0m > Net Income -50.0m (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 0.51 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (98.9m) change vs 12m ago -8.47% (target <= -2.0% for YES) |
| Gross Margin 13.02% (prev 18.56%; Δ -5.54pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.64% (prev 8.25%; Δ -1.61pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.55 (EBITDA TTM -77.0m / Interest Expense TTM 2.69b) >= 6 (WARN >= 3) |
Altman Z'' 0.29
| (A) -0.05 = (Total Current Assets 2.39b - Total Current Liabilities 4.73b) / Total Assets 49.31b |
| (B) 0.09 = Retained Earnings (Balance) 4.57b / Total Assets 49.31b |
| (C) 0.03 = EBIT TTM 1.49b / Avg Total Assets 51.37b |
| (D) 0.10 = Book Value of Equity 4.58b / Total Liabilities 46.87b |
| Total Rating: 0.29 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 44.39
| 1. Piotroski 2.0pt |
| 2. FCF Yield 0.58% |
| 3. FCF Margin 8.06% |
| 4. Debt/Equity 19.02 |
| 5. Debt/Ebitda data missing |
| 6. ROIC - WACC (= 0.97)% |
| 7. RoE -1.95% |
| 8. Rev. Trend -13.85% |
| 9. EPS Trend -45.40% |
What is the price of NAVI shares?
As of December 14, 2025, the stock is trading at USD 12.74 with a total of 1,109,849 shares traded.
Over the past week, the price has changed by +2.82%, over one month by +5.61%, over three months by +0.28% and over the past year by -11.53%.
Over the past week, the price has changed by +2.82%, over one month by +5.61%, over three months by +0.28% and over the past year by -11.53%.
Is NAVI a buy, sell or hold?
Navient has received a consensus analysts rating of 2.90.
Therefor, it is recommend to hold NAVI.
- Strong Buy: 1
- Buy: 0
- Hold: 7
- Sell: 1
- Strong Sell: 1
What are the forecasts/targets for the NAVI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 12.7 | -0.2% |
| Analysts Target Price | 12.7 | -0.2% |
| ValueRay Target Price | 13.2 | 3.5% |
NAVI Fundamental Data Overview December 11, 2025
Market Cap USD = 1.24b (1.24b USD * 1.0 USD.USD)
P/E Forward = 9.3897
P/S = 2.7921
P/B = 0.4973
P/EG = 0.142
Beta = 1.307
Revenue TTM = 3.41b USD
EBIT TTM = 1.49b USD
EBITDA TTM = -77.0m USD
Long Term Debt = 41.65b USD (from longTermDebt, last quarter)
Short Term Debt = 4.73b USD (from shortTermDebt, last quarter)
Debt = 46.38b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 45.81b USD (from netDebt column, last quarter)
Enterprise Value = 47.05b USD (1.24b + Debt 46.38b - CCE 571.0m)
Interest Coverage Ratio = 0.55 (Ebit TTM 1.49b / Interest Expense TTM 2.69b)
FCF Yield = 0.58% (FCF TTM 275.0m / Enterprise Value 47.05b)
FCF Margin = 8.06% (FCF TTM 275.0m / Revenue TTM 3.41b)
Net Margin = -1.47% (Net Income TTM -50.0m / Revenue TTM 3.41b)
Gross Margin = 13.02% ((Revenue TTM 3.41b - Cost of Revenue TTM 2.97b) / Revenue TTM)
Gross Margin QoQ = -0.88% (prev 14.76%)
Tobins Q-Ratio = 0.95 (Enterprise Value 47.05b / Total Assets 49.31b)
Interest Expense / Debt = 1.38% (Interest Expense 639.0m / Debt 46.38b)
Taxrate = 26.50% (-31.0m / -117.0m)
NOPAT = 1.10b (EBIT 1.49b * (1 - 26.50%))
Current Ratio = 0.51 (Total Current Assets 2.39b / Total Current Liabilities 4.73b)
Debt / Equity = 19.02 (Debt 46.38b / totalStockholderEquity, last quarter 2.44b)
Debt / EBITDA = -595.0 (out of range, set to none) (Net Debt 45.81b / EBITDA -77.0m)
Debt / FCF = 166.6 (Net Debt 45.81b / FCF TTM 275.0m)
Total Stockholder Equity = 2.56b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.10% (Net Income -50.0m / Total Assets 49.31b)
RoE = -1.95% (Net Income TTM -50.0m / Total Stockholder Equity 2.56b)
RoCE = 3.37% (EBIT 1.49b / Capital Employed (Equity 2.56b + L.T.Debt 41.65b))
RoIC = 2.22% (NOPAT 1.10b / Invested Capital 49.40b)
WACC = 1.25% (E(1.24b)/V(47.62b) * Re(9.96%) + D(46.38b)/V(47.62b) * Rd(1.38%) * (1-Tc(0.26)))
Discount Rate = 9.96% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -9.99%
[DCF Debug] Terminal Value 75.47% ; FCFE base≈469.4m ; Y1≈579.1m ; Y5≈988.0m
Fair Price DCF = 123.6 (DCF Value 12.05b / Shares Outstanding 97.5m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -45.40 | EPS CAGR: -41.37% | SUE: -1.70 | # QB: 0
Revenue Correlation: -13.85 | Revenue CAGR: -1.32% | SUE: 0.49 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.24 | Chg30d=+0.002 | Revisions Net=+0 | Analysts=8
EPS next Year (2026-12-31): EPS=1.19 | Chg30d=+0.003 | Revisions Net=+0 | Growth EPS=+1816.7% | Growth Revenue=+0.4%
P/E Forward = 9.3897
P/S = 2.7921
P/B = 0.4973
P/EG = 0.142
Beta = 1.307
Revenue TTM = 3.41b USD
EBIT TTM = 1.49b USD
EBITDA TTM = -77.0m USD
Long Term Debt = 41.65b USD (from longTermDebt, last quarter)
Short Term Debt = 4.73b USD (from shortTermDebt, last quarter)
Debt = 46.38b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 45.81b USD (from netDebt column, last quarter)
Enterprise Value = 47.05b USD (1.24b + Debt 46.38b - CCE 571.0m)
Interest Coverage Ratio = 0.55 (Ebit TTM 1.49b / Interest Expense TTM 2.69b)
FCF Yield = 0.58% (FCF TTM 275.0m / Enterprise Value 47.05b)
FCF Margin = 8.06% (FCF TTM 275.0m / Revenue TTM 3.41b)
Net Margin = -1.47% (Net Income TTM -50.0m / Revenue TTM 3.41b)
Gross Margin = 13.02% ((Revenue TTM 3.41b - Cost of Revenue TTM 2.97b) / Revenue TTM)
Gross Margin QoQ = -0.88% (prev 14.76%)
Tobins Q-Ratio = 0.95 (Enterprise Value 47.05b / Total Assets 49.31b)
Interest Expense / Debt = 1.38% (Interest Expense 639.0m / Debt 46.38b)
Taxrate = 26.50% (-31.0m / -117.0m)
NOPAT = 1.10b (EBIT 1.49b * (1 - 26.50%))
Current Ratio = 0.51 (Total Current Assets 2.39b / Total Current Liabilities 4.73b)
Debt / Equity = 19.02 (Debt 46.38b / totalStockholderEquity, last quarter 2.44b)
Debt / EBITDA = -595.0 (out of range, set to none) (Net Debt 45.81b / EBITDA -77.0m)
Debt / FCF = 166.6 (Net Debt 45.81b / FCF TTM 275.0m)
Total Stockholder Equity = 2.56b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.10% (Net Income -50.0m / Total Assets 49.31b)
RoE = -1.95% (Net Income TTM -50.0m / Total Stockholder Equity 2.56b)
RoCE = 3.37% (EBIT 1.49b / Capital Employed (Equity 2.56b + L.T.Debt 41.65b))
RoIC = 2.22% (NOPAT 1.10b / Invested Capital 49.40b)
WACC = 1.25% (E(1.24b)/V(47.62b) * Re(9.96%) + D(46.38b)/V(47.62b) * Rd(1.38%) * (1-Tc(0.26)))
Discount Rate = 9.96% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -9.99%
[DCF Debug] Terminal Value 75.47% ; FCFE base≈469.4m ; Y1≈579.1m ; Y5≈988.0m
Fair Price DCF = 123.6 (DCF Value 12.05b / Shares Outstanding 97.5m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -45.40 | EPS CAGR: -41.37% | SUE: -1.70 | # QB: 0
Revenue Correlation: -13.85 | Revenue CAGR: -1.32% | SUE: 0.49 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.24 | Chg30d=+0.002 | Revisions Net=+0 | Analysts=8
EPS next Year (2026-12-31): EPS=1.19 | Chg30d=+0.003 | Revisions Net=+0 | Growth EPS=+1816.7% | Growth Revenue=+0.4%
Additional Sources for NAVI Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle