---
title: "Navient Corporation (NAVI.US)"
type: "Symbol"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/quote/NAVI.US.md"
symbol: "NAVI.US"
name: "Navient Corporation"
industry: "消費金融"
datetime: "2026-04-30T09:24:21.477Z"
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)

## 公司概況

Navient Corporation 提供技術驅動的教育金融服務，專注于美國的教育融資。它通過兩個部門運營：聯邦教育貸款和消費者貸款。該公司擁有並管理私人教育貸款組合；並在 Earnest 品牌下提供教育貸款和數字金融服務、在校學生貸款以及再融資產品。它還擁有由州或非營利機構擔保或保證的聯邦家庭教育貸款計劃（FFELP）貸款；並對其投資組合以及其他機構持有的聯邦教育貸款進行服務

| 項目 | 詳情 |
|------|--------|
| 行業 | 消費金融 |
| 交易所 | US Market |
| 官網 | [www.navient.com](https://www.navient.com) |

## 關鍵驅動因素
> *AI 分析的影響該股票表現的關鍵因素*


## Longbridge Financial Score™: E
> *Longbridge Financial Score™ — Longbridge 獨家多因子評級模型*
> 更新時間: 2026-04-30T04:30:16.000Z

**綜合: E (0.87)**

**行業**: 消費金融

| 指標 | 數值 |
|--------|-------|
| 行業排名 | 56 / 57 |
| 行業中位數 | C |
| 行業均值 | C |

- **風格**: 價值型 - 公司主要業務處在成熟期的股票。
- **規模**: 小盤型 - 公司經營有較高的成長性和波動性，易於獲得較高的投資收益。

**綜合評分**: E

#### 風格得分 評分: 

| 指標 | 數值 | 評級 |
|-----------|-------|--------|
| 營業收入同比 | -61.08% |  |
| 凈利潤同比 | -161.07% |  |
| 市凈率 | 0.37 |  |
| 股息率 | 6.73% |  |

#### 規模得分 評分: 

| 指標 | 數值 | 評級 |
|-----------|-------|--------|
| 市值 | 893839355.67 |  |
| 營業收入 | 330000000.00 |  |

#### 多維評分 評分: E

| 指標 | 數值 | 評級 |
|-----------|-------|--------|
| 凈資產收益率（ROE） | -3.17% | D |
| 凈利率 | -24.24% | E |
| 毛利率 | 100.00% | A |
| 營業收入同比 | -61.08% | E |
| 凈利潤同比 | -161.07% | E |
| 總資產同比 | -6.00% | D |
| 凈資產同比 | -9.16% | D |
| 現金流凈利率 | -551.25% | E |
| 運營現金流同比 | -61.08% | E |
| 資產周轉率 | 0.01 | E |
| 資產負債率 | 95.07% | E |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Navient Corporation",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "風格得分",
      "grade": "",
      "indicators": [
        {
          "name": "營業收入同比",
          "value": "-61.08%",
          "rating": ""
        },
        {
          "name": "凈利潤同比",
          "value": "-161.07%",
          "rating": ""
        },
        {
          "name": "市凈率",
          "value": "0.37",
          "rating": ""
        },
        {
          "name": "股息率",
          "value": "6.73%",
          "rating": ""
        }
      ]
    },
    {
      "name": "規模得分",
      "grade": "",
      "indicators": [
        {
          "name": "市值",
          "value": "893839355.67",
          "rating": ""
        },
        {
          "name": "營業收入",
          "value": "330000000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "多維評分",
      "grade": "E",
      "indicators": [
        {
          "name": "凈資產收益率（ROE）",
          "value": "-3.17%",
          "rating": "D"
        },
        {
          "name": "凈利率",
          "value": "-24.24%",
          "rating": "E"
        },
        {
          "name": "毛利率",
          "value": "100.00%",
          "rating": "A"
        },
        {
          "name": "營業收入同比",
          "value": "-61.08%",
          "rating": "E"
        },
        {
          "name": "凈利潤同比",
          "value": "-161.07%",
          "rating": "E"
        },
        {
          "name": "總資產同比",
          "value": "-6.00%",
          "rating": "D"
        },
        {
          "name": "凈資產同比",
          "value": "-9.16%",
          "rating": "D"
        },
        {
          "name": "現金流凈利率",
          "value": "-551.25%",
          "rating": "E"
        },
        {
          "name": "運營現金流同比",
          "value": "-61.08%",
          "rating": "E"
        },
        {
          "name": "資產周轉率",
          "value": "0.01",
          "rating": "E"
        },
        {
          "name": "資產負債率",
          "value": "95.07%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

## 估值分析

| 指標 | 當前值 | 行業排名 | 最高 | 中位 | 最低 |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | -14.65 | 47/57 | 39.32 | 36.01 | 24.53 |
| PB | 0.38 | 6/57 | 0.53 | 0.50 | 0.38 |
| PS (TTM) | 2.72 | 37/57 | 2.73 | 2.33 | 2.07 |
| Dividend Yield | 6.73% | 7/57 | 6.74% | 5.05% | 4.73% |

## 同業比較

| 排名 | 名稱 | 盈利 | 成長 | 營運 | 財務安全 | 現金流 | 評級 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Dave (DAVE.US) | A | A | A | B | A | A |
| 02 | NerdWallet (NRDS.US) | B | B | A | A | A | A |
| 03 | Synchrony Financial (SYF.US) | B | B | E | A | B | B |
| 04 | Kaspi.KZ JSC (KSPI.US) | A | A | C | E | B | B |
| 05 | 第一富金融服務 (FCFS.US) | B | B | B | D | B | B |

## 機構觀點

### 分析師評級分佈

> 截至 2026-04-29T04:00:00.000Z

分析師總數: **8**

| 評級 | 數量 | 佔比 |
|--------|-------|-----------| 
| Buy | 1 | 13% |
| Hold | 4 | 50% |
| Underweight | 2 | 25% |
| Sell | 1 | 13% |

### 目標價預測

| 指標 | 價格 |
|--------|-------|
| 當前價格 | 9.51 |
| 最高目標價 | 13.00 |
| 最低目標價 | 8.00 |

## 參考連結

- [公司概況 — 簡介、高管、股東、業務構成](https://longbridge.com/zh-HK/quote/NAVI.US/overview.md)
- [財務報表 — 損益表、資產負債表、現金流、分紅方案](https://longbridge.com/zh-HK/quote/NAVI.US/norm.md)
- [相關新聞](https://longbridge.com/zh-HK/quote/NAVI.US/news.md)
- [公告 — 公司公告與監管文件](https://longbridge.com/zh-HK/quote/NAVI.US/filings.md)

---

> **免責聲明: 本文僅供參考，不構成任何投資建議。**