Navient Corporation

NAVI

Financial - Credit Services · Financial Services

Also trades as: 0K5R.L

Exchange

NASDAQ

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Strong

Growth

Weak

Cash Flow

Weak

Stability

Weak

Valuation

Data not available

Dividends

Good

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Winston Score History

The full picture

Navient is a financial services company that specializes in managing and collecting on student loans. It services both federal and private student loans, meaning it handles billing, payments, and customer support for borrowers who owe money on their education debt. Navient was spun off from Sallie Mae in 2014 and became one of the largest student loan servicers in the United States.

The company earns money primarily through fees for servicing loans and through interest income on private student loans it owns on its balance sheet. Navient operates mainly in the United States and has a large existing portfolio of older federal loans, though it lost its federal loan servicing contract with the U.S. Department of Education in 2021. This means its legacy loan portfolio is slowly shrinking over time as borrowers pay off their debt, making portfolio runoff and legal settlements — the company has faced multiple regulatory actions — the central risk to its long-term business.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-15.4% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+85.7% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

1.7%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$44.0B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Navient Corporation's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

96.0%

Premium pricing power — 96.0% gross margin

Profit after running costs

Operating Margin

84.0%

Excellent — 84.0% operating margin

Return on the money invested

ROCE

2.3%

Weak — 2.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth

Sales YoY

-18.8%

Shrinking sales (-18.8% YoY)

Profit growth

EPS YoY

-247.6%

Earnings shrinking (-247.6% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

3/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

Data not available

Spare cash per sale

FCF Margin

11.6%

Modest free cash flow (11.6%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns

Debt / Equity

18.49

Heavy debt load (18.49)

Covers its interest

Interest Cover

0.46x

Dangerous — barely covers interest (0.5x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

7.06%

no trend

Healthy income — 7.06% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

+0.0%

no trend

Dividend flat

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