NAVIENT CORP (NAVI) Fundamental Analysis & Valuation

NASDAQ:NAVI • US63938C1080

8.3 USD
-0.26 (-3.04%)
At close: Mar 6, 2026
8.3 USD
0 (0%)
After Hours: 3/6/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This NAVI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

NAVI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. Both the profitability and financial health of NAVI have multiple concerns. NAVI has a valuation in line with the averages, but on the other hand it scores bad on growth. NAVI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. NAVI Profitability Analysis

1.1 Basic Checks

  • In the past year NAVI has reported negative net income.
  • In the past year NAVI had a positive cash flow from operations.
  • Of the past 5 years NAVI 4 years were profitable.
  • In the past 5 years NAVI always reported a positive cash flow from operatings.
NAVI Yearly Net Income VS EBIT VS OCF VS FCFNAVI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

1.2 Ratios

  • NAVI's Return On Assets of -0.10% is on the low side compared to the rest of the industry. NAVI is outperformed by 83.33% of its industry peers.
  • NAVI has a Return On Equity of -2.05%. This is amonst the worse of the industry: NAVI underperforms 83.33% of its industry peers.
Industry RankSector Rank
ROA -0.1%
ROE -2.05%
ROIC N/A
ROA(3y)0.15%
ROA(5y)0.45%
ROE(3y)3.3%
ROE(5y)11.83%
ROIC(3y)N/A
ROIC(5y)N/A
NAVI Yearly ROA, ROE, ROICNAVI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20

1.3 Margins

  • NAVI's Gross Margin of 107.65% is amongst the best of the industry. NAVI outperforms 100.00% of its industry peers.
  • In the last couple of years the Gross Margin of NAVI has remained more or less at the same level.
  • The Profit Margin and Operating Margin are not available for NAVI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 107.65%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.29%
GM growth 5Y-0.56%
NAVI Yearly Profit, Operating, Gross MarginsNAVI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80 100

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. NAVI Health Analysis

2.1 Basic Checks

  • NAVI has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for NAVI has been reduced compared to 5 years ago.
  • The debt/assets ratio for NAVI is higher compared to a year ago.
NAVI Yearly Shares OutstandingNAVI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
NAVI Yearly Total Debt VS Total AssetsNAVI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.2 Solvency

  • Based on the Altman-Z score of 0.08, we must say that NAVI is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.08, NAVI is doing worse than 64.81% of the companies in the same industry.
  • NAVI has a debt to FCF ratio of 168.49. This is a negative value and a sign of low solvency as NAVI would need 168.49 years to pay back of all of its debts.
  • NAVI has a Debt to FCF ratio (168.49) which is in line with its industry peers.
  • NAVI has a Debt/Equity ratio of 19.00. This is a high value indicating a heavy dependency on external financing.
  • NAVI has a worse Debt to Equity ratio (19.00) than 87.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 19
Debt/FCF 168.49
Altman-Z 0.08
ROIC/WACCN/A
WACCN/A
NAVI Yearly LT Debt VS Equity VS FCFNAVI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.3 Liquidity

  • A Current Ratio of 0.46 indicates that NAVI may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.46, NAVI is doing worse than 62.96% of the companies in the same industry.
  • NAVI has a Quick Ratio of 0.46. This is a bad value and indicates that NAVI is not financially healthy enough and could expect problems in meeting its short term obligations.
  • NAVI's Quick ratio of 0.46 is on the low side compared to the rest of the industry. NAVI is outperformed by 62.96% of its industry peers.
Industry RankSector Rank
Current Ratio 0.46
Quick Ratio 0.46
NAVI Yearly Current Assets VS Current LiabilitesNAVI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. NAVI Growth Analysis

3.1 Past

  • NAVI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -118.27%.
  • Looking at the last year, NAVI shows a very negative growth in Revenue. The Revenue has decreased by -33.04% in the last year.
  • NAVI shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -20.53% yearly.
EPS 1Y (TTM)-118.27%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%108.33%
Revenue 1Y (TTM)-33.04%
Revenue growth 3Y-28.08%
Revenue growth 5Y-20.53%
Sales Q2Q%-12.59%

3.2 Future

  • Based on estimates for the next years, NAVI will show a very strong growth in Earnings Per Share. The EPS will grow by 77.56% on average per year.
  • NAVI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.23% yearly.
EPS Next Y339.28%
EPS Next 2Y122.42%
EPS Next 3Y77.56%
EPS Next 5YN/A
Revenue Next Year-5.94%
Revenue Next 2Y2.84%
Revenue Next 3Y8.23%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
NAVI Yearly Revenue VS EstimatesNAVI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
NAVI Yearly EPS VS EstimatesNAVI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 1 2 3 4

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Find the best growth stocksShow best growing peers

5

4. NAVI Valuation Analysis

4.1 Price/Earnings Ratio

  • NAVI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • With a Price/Forward Earnings ratio of 9.64, the valuation of NAVI can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as NAVI.
  • When comparing the Price/Forward Earnings ratio of NAVI to the average of the S&P500 Index (24.57), we can say NAVI is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 9.64
NAVI Price Earnings VS Forward Price EarningsNAVI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 -20

4.2 Price Multiples

  • NAVI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NAVI is cheaper than 70.37% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.9
EV/EBITDA N/A
NAVI Per share dataNAVI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as NAVI's earnings are expected to grow with 77.56% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y122.42%
EPS Next 3Y77.56%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. NAVI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.48%, NAVI is a good candidate for dividend investing.
  • In the last 3 months the price of NAVI has falen by -33.01%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 2.79, NAVI pays a better dividend. On top of this NAVI pays more dividend than 81.48% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, NAVI pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.48%

5.2 History

  • The dividend of NAVI has a limited annual growth rate of 0.69%.
  • NAVI has been paying a dividend for at least 10 years, so it has a reliable track record.
  • NAVI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.69%
Div Incr Years0
Div Non Decr Years10
NAVI Yearly Dividends per shareNAVI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • NAVI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • NAVI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-130%
EPS Next 2Y122.42%
EPS Next 3Y77.56%
NAVI Yearly Income VS Free CF VS DividendNAVI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

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Find the best dividend stocksShow peers with best dividend

NAVI Fundamentals: All Metrics, Ratios and Statistics

NAVIENT CORP

NASDAQ:NAVI (3/6/2026, 8:00:02 PM)

After market: 8.3 0 (0%)

8.3

-0.26 (-3.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners102.61%
Inst Owner Change-5.12%
Ins Owners1.63%
Ins Owner Change-0.52%
Market Cap789.25M
Revenue(TTM)541.00M
Net Income(TTM)-50.00M
Analysts50
Price Target11.67 (40.6%)
Short Float %7.56%
Short Ratio6.88
Dividend
Industry RankSector Rank
Dividend Yield 7.48%
Yearly Dividend0.63
Dividend Growth(5Y)0.69%
DP-130%
Div Incr Years0
Div Non Decr Years10
Ex-Date03-06
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-294.05%
Min EPS beat(2)-564.69%
Max EPS beat(2)-23.4%
EPS beat(4)1
Avg EPS beat(4)-192.62%
Min EPS beat(4)-564.69%
Max EPS beat(4)23.1%
EPS beat(8)2
Avg EPS beat(8)-53.09%
EPS beat(12)3
Avg EPS beat(12)-38.23%
EPS beat(16)5
Avg EPS beat(16)-37.5%
Revenue beat(2)2
Avg Revenue beat(2)4.41%
Min Revenue beat(2)0.9%
Max Revenue beat(2)7.92%
Revenue beat(4)3
Avg Revenue beat(4)-0.39%
Min Revenue beat(4)-11.17%
Max Revenue beat(4)7.92%
Revenue beat(8)3
Avg Revenue beat(8)-6.36%
Revenue beat(12)6
Avg Revenue beat(12)-2.54%
Revenue beat(16)10
Avg Revenue beat(16)8.63%
PT rev (1m)-12.39%
PT rev (3m)-11.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.71%
EPS NY rev (1m)-29.14%
EPS NY rev (3m)-29.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.03%
Revenue NY rev (1m)-6.29%
Revenue NY rev (3m)-5.61%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 9.64
P/S 1.33
P/FCF 2.9
P/OCF 2.9
P/B 0.33
P/tB 0.4
EV/EBITDA N/A
EPS(TTM)-0.36
EYN/A
EPS(NY)0.86
Fwd EY10.38%
FCF(TTM)2.86
FCFY34.51%
OCF(TTM)2.86
OCFY34.51%
SpS6.26
BVpS25.41
TBVpS20.88
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.1%
ROE -2.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 107.65%
FCFM 45.76%
ROA(3y)0.15%
ROA(5y)0.45%
ROE(3y)3.3%
ROE(5y)11.83%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.29%
GM growth 5Y-0.56%
F-Score5
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 19
Debt/FCF 168.49
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.46
Quick Ratio 0.46
Altman-Z 0.08
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-118.27%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%108.33%
EPS Next Y339.28%
EPS Next 2Y122.42%
EPS Next 3Y77.56%
EPS Next 5YN/A
Revenue 1Y (TTM)-33.04%
Revenue growth 3Y-28.08%
Revenue growth 5Y-20.53%
Sales Q2Q%-12.59%
Revenue Next Year-5.94%
Revenue Next 2Y2.84%
Revenue Next 3Y8.23%
Revenue Next 5YN/A
EBIT growth 1Y-158.09%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-64.67%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-63.86%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-63.86%
OCF growth 3YN/A
OCF growth 5YN/A

NAVIENT CORP / NAVI FAQ

What is the ChartMill fundamental rating of NAVIENT CORP (NAVI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to NAVI.


What is the valuation status of NAVIENT CORP (NAVI) stock?

ChartMill assigns a valuation rating of 5 / 10 to NAVIENT CORP (NAVI). This can be considered as Fairly Valued.


What is the profitability of NAVI stock?

NAVIENT CORP (NAVI) has a profitability rating of 2 / 10.


Can you provide the expected EPS growth for NAVI stock?

The Earnings per Share (EPS) of NAVIENT CORP (NAVI) is expected to grow by 339.28% in the next year.