Navient (NAVI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Navient

NasdaqGS•Financial Services•Credit Services

$9.63+0.31(0.03%)Market closed

Market Cap

$924.96M

P/S

1.5x

P/B

0.4x

Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand. It also owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.

How this company scores

WeakMetricSide Score: 32/100

Grade capped at D — Interest coverage below 1× (0.0x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (15/25); weakest: Balance Sheet & Red Flags (3/25).

Profitability11/25

Growth3/25

Balance Sheet & Red Flags3/25

Cash & Earnings Quality15/25

Strengths

Rising free cash flowLong cash runwayImproving marginsNo share dilution

Grade capped at D

Interest coverage below 1× (0.0x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 41.5x5y range 3.4x – 41.5x

Currently above its 16-quarter median.

P/S · 1.5x5y range 1.0x – 2.0x

Currently near its 20-quarter median.

P/B · 0.4x5y range 0.3x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Red Flag

FCF consistently trails net income (avg -6.0x) — earnings may be inflated by non-cash items or aggressive accounting.

Price & Volume

Market Cap $924.96M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $600.00M
Q. Revenue: $150.00M
TTM EBITDA: $-134.00M
TTM Op. Income: $-139.00M
Q. Op. Income: $11.00M
TTM Net Income: $-50.00M
Q. Net Income: $25.00M
EPS: $0.27
Shares Out.: $94.00M

$600.00M in TTM revenue declined 35.5% YoY, reaching $150.00M last quarter. TTM EBITDA of $-134.00M and TTM operating income of $-139.00M show growth is flowing through to the bottom line. However, net income is negative at $50.00M — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has fallen for 6 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 7.3%
Op. Margin: 7.3%
Net Margin: 16.7%

Op. margin of 7.3% is up 13.7% YoY — cost efficiency is improving. Net margin at 16.7% Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 1.5x
P/B Ratio: 0.4x

P/S of 1.5x and P/B of 0.4x. P/S is low relative to typical market levels. Across the last 4 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $47.30B
Cash: $770.00M
Long-Term Debt: $40.12B
Book Value: $2.40B
D/E Ratio: 16.7
Debt/EBITDA: 3647.5

With $47.30B in assets and $40.12B in long-term debt, D/E is 16.7and book value is $2.40B — elevated leverage, meaning significant financial risk in a downturn. Over the past year, debt/equity is up 1% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $143.00M
TTM Free Cash Flow: $340.00M
FCF Margin: 56.7%
FCF / Net Income: -6.8

TTM FCF of $340.00M on $143.00M in operating cash flow. The FCF / Net Income ratio of -6.8x means the business consumes cash — it is not yet self-funding. Over the past year, free cash flow is up 74% — an improving trend.