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Company Analysis

Navient Corporation NAVI

A comprehensive view of key metrics, scores, and financial health for Navient Corporation

Overview of Navient Corporation

NAVI NMS
Financial Services Credit Services Small Cap
Navient Corporation (NAVI), is a Small Cap company, in the Credit Services industry, last closed at $8.13, about 220.2% undervalued vs fair value, -39.4% 1Y return, ranked 955/1004 in sector.
$8.13
0.87%
As of March 13, 2026
Previous close • Vol 90d: 45.1%
52-Week Range
Market Cap
$773.08M
Enterprise Value
$44.38B
Overall Score
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Top Beats
No strong beats yet

Quick Facts

Website https://www.navient.com
HQ Herndon, VA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$14
$26
$49
Current: $8.13 +220% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$3.8B
-13.8%%
Interest Expense
$2.6B
Net Interest Income
$536.0M
-37.8%%
Total Revenue
$3.2B
236%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.0%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$174.0M
132.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Navient Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
51
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
57
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing NAVI's balance between Growth (37.2%), Profitability (31.2%), and Safety (31.6%). Growth 37% Safety 32% Profitability 31%

Click axes to expand details. Marker shows current allocation.

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Growth

64th percentile vs peers
65
Key Signals
Rev Growth YoY 2.36 92p Revenue CAGR 3Y 23.0% 86p TSR 2.7% 45p EPS Growth YoY -1.68 6p
Strengths
  • Rev Growth Yoy in top 20% of peers (2.36, 92th percentile)
  • Revenue Cagr 3Y in top 20% of peers (23.0%, 86th percentile)
  • D/E Ratio in top 20% of peers (19.05, 96th percentile)
  • Growth above peer median with strong metric coverage (85%)
  • Operating Margin in top 20% of peers (77.1%, 95th percentile)
Risks
  • Eps Growth Yoy in bottom 20% of peers (-1.68)

Profitability

54th percentile vs peers
54
Key Signals
Strengths
Risks
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Safety

54th percentile vs peers
55
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Navient Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$26.03
- - -
+220.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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