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Navient Corporation

NAVI
32
Financial - Credit Services · Financial Services
Also trades as: 0K5R.L GBP 0.09 (-1.65%)
Price
$9.04
+0.11 (+1.23%)
Market Cap
$849.7M
Exchange
NASDAQ
Winston Score
32
Winston is serious
Below-average fundamentals — multiple weak pillars.
Data as of Oct 8, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Strong
21/30
Growth
Weak
2/20
Cash Flow
Weak
2/10
Stability
Weak
0/10
Valuation
Data not available
0/10
Ownership
Mixed
4/15
Dividends
Good
3/5

32 of 100 counted points = Winston Score 32.

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Share count falling — buybacks

−42.4% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 172.0M (2021) → 99.0M (2025)

§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

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

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

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.

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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
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
7.08%
Healthy income — 7.08% yield

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

Dividend record
Dividend Growth
+0.0%
Dividend flat

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