NAVIENT CORP (NAVI) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:NAVI • US63938C1080

10.2 USD
+0.19 (+1.9%)
Last: Feb 4, 2026, 01:27 PM
Fundamental Rating

3

Taking everything into account, NAVI scores 3 out of 10 in our fundamental rating. NAVI was compared to 54 industry peers in the Consumer Finance industry. NAVI has a bad profitability rating. Also its financial health evaluation is rather negative. NAVI is valued correctly, but it does not seem to be growing. NAVI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year NAVI has reported negative net income.
  • NAVI had a positive operating cash flow in the past year.
  • NAVI had positive earnings in 4 of the past 5 years.
  • Of the past 5 years NAVI 4 years had a positive operating cash flow.
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 has a worse Return On Assets (-0.10%) than 77.78% of its industry peers.
  • With a Return On Equity value of -2.05%, NAVI is not doing good in the industry: 79.63% of the companies in the same industry are doing better.
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.
  • NAVI's Gross Margin has been stable in the last couple of years.
  • 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

More info and screens

1

2. Health

2.1 Basic Checks

  • NAVI has less shares outstanding than it did 1 year ago.
  • NAVI has less shares outstanding than it did 5 years ago.
  • NAVI has a worse debt/assets ratio than last year.
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 0.09, we must say that NAVI is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 0.09, NAVI is not doing good in the industry: 64.81% of the companies in the same industry are doing better.
  • 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's Debt to FCF ratio of 168.49 is in line compared to the rest of the industry. NAVI outperforms 44.44% of its industry peers.
  • A Debt/Equity ratio of 19.00 is on the high side and indicates that NAVI has dependencies on debt financing.
  • With a Debt to Equity ratio value of 19.00, NAVI is not doing good in the industry: 87.04% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 19
Debt/FCF 168.49
Altman-Z 0.09
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.
  • With a Current ratio value of 0.46, NAVI is not doing good in the industry: 62.96% of the companies in the same industry are doing better.
  • 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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3

3. Growth

3.1 Past

  • NAVI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -118.27%.
  • NAVI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -33.04%.
  • Measured over the past years, NAVI shows a very negative growth in Revenue. The Revenue has been decreasing by -20.53% on average per year.
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.
  • Based on estimates for the next years, NAVI will show a quite strong growth in Revenue. The Revenue will grow by 8.23% on average per year.
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

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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5

4. Valuation

4.1 Price/Earnings Ratio

  • NAVI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • A Price/Forward Earnings ratio of 11.84 indicates a reasonable valuation of NAVI.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NAVI is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of NAVI to the average of the S&P500 Index (25.51), we can say NAVI is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 11.84
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of NAVI indicates a somewhat cheap valuation: NAVI is cheaper than 70.37% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.62
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.
  • NAVI's earnings are expected to grow with 77.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y122.42%
EPS Next 3Y77.56%

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8

5. Dividend

5.1 Amount

  • NAVI has a Yearly Dividend Yield of 6.41%, which is a nice return.
  • NAVI's Dividend Yield is rather good when compared to the industry average which is at 2.68. NAVI pays more dividend than 85.19% of the companies in the same industry.
  • NAVI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 6.41%

5.2 History

  • The dividend of NAVI has a limited annual growth rate of 0.28%.
  • NAVI has paid a dividend for at least 10 years, which is 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)0.28%
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 0.2 0.4 0.6

5.3 Sustainability

  • The earnings of NAVI are negative and hence is the payout ratio. NAVI will probably not be able to sustain this dividend level.
  • 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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NAVIENT CORP

NASDAQ:NAVI (2/4/2026, 1:27:49 PM)

10.2

+0.19 (+1.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners105.23%
Inst Owner Change-0.56%
Ins Owners1.96%
Ins Owner Change-0.31%
Market Cap994.60M
Revenue(TTM)541.00M
Net Income(TTM)-50.00M
Analysts50
Price Target11.86 (16.27%)
Short Float %7.89%
Short Ratio7.31
Dividend
Industry RankSector Rank
Dividend Yield 6.41%
Yearly Dividend0.65
Dividend Growth(5Y)0.28%
DP-130%
Div Incr Years0
Div Non Decr Years10
Ex-DateN/A
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)0.86%
PT rev (3m)-6.41%
EPS NQ rev (1m)0.71%
EPS NQ rev (3m)-6.69%
EPS NY rev (1m)6.28%
EPS NY rev (3m)-106.52%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.22%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 11.84
P/S 1.65
P/FCF 3.62
P/OCF 3.62
P/B 0.41
P/tB 0.5
EV/EBITDA N/A
EPS(TTM)-0.36
EYN/A
EPS(NY)0.86
Fwd EY8.45%
FCF(TTM)2.82
FCFY27.65%
OCF(TTM)2.82
OCFY27.65%
SpS6.16
BVpS25.01
TBVpS20.55
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 0.09
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.