NAVIENT CORP (NAVI) Stock Fundamental Analysis

NASDAQ:NAVI • US63938C1080

8.99 USD
-0.38 (-4.06%)
At close: Feb 23, 2026
8.99 USD
0 (0%)
After Hours: 2/23/2026, 5:16:24 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
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

2

1. Profitability

1.1 Basic Checks

  • NAVI had negative earnings in the past year.
  • In the past year NAVI had a positive cash flow from operations.
  • 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

  • The Return On Assets of NAVI (-0.10%) is worse than 81.48% of its industry peers.
  • Looking at the Return On Equity, with a value of -2.05%, NAVI is doing worse than 81.48% of the companies in the same industry.
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

  • With an excellent Gross Margin value of 107.65%, NAVI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • The number of shares outstanding for NAVI has been reduced compared to 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

  • NAVI has an Altman-Z score of 0.08. This is a bad value and indicates that NAVI is not financially healthy and even has some risk of bankruptcy.
  • NAVI has a worse Altman-Z score (0.08) than 64.81% of its industry peers.
  • 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 of 168.49. This is comparable to the rest of the industry: NAVI outperforms 42.59% 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.
  • Looking at the Debt to Equity ratio, with a value of 19.00, NAVI is doing worse than 87.04% of the companies in the same industry.
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.
  • A Quick Ratio of 0.46 indicates that NAVI may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.46, NAVI is doing worse than 62.96% of the companies in the same industry.
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. Growth

3.1 Past

  • NAVI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -118.27%.
  • The Revenue for NAVI has decreased by -33.04% in the past year. This is quite bad
  • 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

  • NAVI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 77.56% yearly.
  • The Revenue is expected to grow by 8.23% on average over the next years. This is quite good.
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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for NAVI. In the last year negative earnings were reported.
  • With a Price/Forward Earnings ratio of 10.44, the valuation of NAVI can be described as very reasonable.
  • NAVI's Price/Forward Earnings ratio is in line with the industry average.
  • NAVI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.75.
Industry RankSector Rank
PE N/A
Fwd PE 10.44
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

  • Based on the Price/Free Cash Flow ratio, NAVI is valued a bit cheaper than the industry average as 70.37% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.14
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. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.82%, NAVI is a good candidate for dividend investing.
  • The stock price of NAVI dropped by -27.50% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 2.75, NAVI pays a better dividend. On top of this NAVI pays more dividend than 83.33% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, NAVI pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.82%

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

  • 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

NAVIENT CORP

NASDAQ:NAVI (2/23/2026, 5:16:24 PM)

After market: 8.99 0 (0%)

8.99

-0.38 (-4.06%)

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-5.12%
Ins Owners1.96%
Ins Owner Change-0.52%
Market Cap863.04M
Revenue(TTM)541.00M
Net Income(TTM)-50.00M
Analysts50
Price Target11.86 (31.92%)
Short Float %7.97%
Short Ratio7.2
Dividend
Industry RankSector Rank
Dividend Yield 6.82%
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)-10.96%
PT rev (3m)-16.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.35%
EPS NY rev (1m)-29.14%
EPS NY rev (3m)-29.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.87%
Revenue NY rev (1m)-6.29%
Revenue NY rev (3m)-5.61%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 10.44
P/S 1.44
P/FCF 3.14
P/OCF 3.14
P/B 0.35
P/tB 0.43
EV/EBITDA N/A
EPS(TTM)-0.36
EYN/A
EPS(NY)0.86
Fwd EY9.58%
FCF(TTM)2.86
FCFY31.86%
OCF(TTM)2.86
OCFY31.86%
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.