---
title: "Navient Corporation (NAVI.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/NAVI.US.md"
symbol: "NAVI.US"
name: "Navient Corporation"
industry: "Consumer Finance"
datetime: "2026-04-16T21:27:00.526Z"
locales:
  - [en](https://longbridge.com/en/quote/NAVI.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/NAVI.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/NAVI.US.md)
---

# Navient Corporation (NAVI.US)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Consumer Finance |
| Exchange | US Market |
| Website | [www.navient.com](https://www.navient.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: E
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-04-16T04:30:16.000Z

**Overall: E (0.86)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 54 / 55 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: E

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -61.08% |  |
| Net Profit YoY | -161.07% |  |
| P/B Ratio | 0.33 |  |
| Dividend Ratio | 7.58% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 802556797.92 |  |
| Revenue | 330000000.00 |  |

#### Multi Score Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | -3.17% | D |
| Profit Margin | -24.24% | E |
| Gross Margin | 100.00% | A |
| Revenue YoY | -61.08% | E |
| Net Profit YoY | -161.07% | E |
| Total Assets YoY | -6.00% | D |
| Net Assets YoY | -9.16% | D |
| Cash Flow Margin | -551.25% | E |
| OCF YoY | -61.08% | E |
| Turnover | 0.01 | E |
| Gearing Ratio | 95.07% | E |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Navient Corporation",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-61.08%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "-161.07%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "0.33",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "7.58%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "802556797.92",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "330000000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "E",
      "indicators": [
        {
          "name": "ROE",
          "value": "-3.17%",
          "rating": "D"
        },
        {
          "name": "Profit Margin",
          "value": "-24.24%",
          "rating": "E"
        },
        {
          "name": "Gross Margin",
          "value": "100.00%",
          "rating": "A"
        },
        {
          "name": "Revenue YoY",
          "value": "-61.08%",
          "rating": "E"
        },
        {
          "name": "Net Profit YoY",
          "value": "-161.07%",
          "rating": "E"
        },
        {
          "name": "Total Assets YoY",
          "value": "-6.00%",
          "rating": "D"
        },
        {
          "name": "Net Assets YoY",
          "value": "-9.16%",
          "rating": "D"
        },
        {
          "name": "Cash Flow Margin",
          "value": "-551.25%",
          "rating": "E"
        },
        {
          "name": "OCF YoY",
          "value": "-61.08%",
          "rating": "E"
        },
        {
          "name": "Turnover",
          "value": "0.01",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "95.07%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | -10.03 | 47/55 | 39.14 | 27.46 | 24.28 |
| PB | 0.33 | 6/55 | 0.53 | 0.50 | 0.40 |
| PS (TTM) | 2.43 | 33/55 | 2.73 | 2.31 | 2.02 |
| Dividend Yield | 7.58% | 6/55 | 6.39% | 5.05% | 4.73% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Dave (DAVE.US) | A | A | A | B | A | A |
| 02 | NerdWallet (NRDS.US) | B | B | A | A | A | A |
| 03 | Kaspi.KZ JSC (KSPI.US) | A | A | C | E | B | B |
| 04 | FirstCash (FCFS.US) | B | B | B | D | B | B |
| 05 | Figure Tech Solutions - CL (FIGR.US) | B | A | D | C | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-04-16T04:00:00.000Z

Total Analysts: **9**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 1 | 11% |
| Hold | 5 | 56% |
| Underweight | 2 | 22% |
| Sell | 1 | 11% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 8.38 |
| Highest Target | 13.00 |
| Lowest Target | 8.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/NAVI.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/NAVI.US/norm.md)
- [Related News](https://longbridge.com/en/quote/NAVI.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/NAVI.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**