NAVI$9.01
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Performance
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AI NAVI Summary
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Powered by LiveAIOverall Analysis
NeutralNavient shows a mixed picture with a strong dividend yield and decent historical profitability, but faces headwinds from declining revenue and a weak technical outlook. Further analysis is recommended.
Thematic
Navient operates in the student loan servicing sector, which faces evolving regulatory landscapes and changing educational finance trends. Growth drivers appear limited.
Fundamental
Navient has a strong dividend yield and a history of profitability, but recent financial trends show declining revenue and net income. The debt level is significant but manageable with current cash flows.
Technical
The stock is trading below key moving averages, indicating a bearish short-to-medium term trend. Momentum indicators suggest potential for further downside.
| Factor | Score |
|---|---|
| Student Loan Market Dynamics | 50 |
| Regulatory Environment | 40 |
| Business Model Evolution | 30 |
| Factor | Score |
|---|---|
| Valuation | 40 |
| Profitability | 60 |
| Growth | 20 |
| Balance Sheet Health | 45 |
| Cash Flow | 70 |
| Dividends | 90 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 50 |
| Volume Confirmation | 60 |
| Support & Resistance | 60 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Attractive Valuation
The stock's Price-to-Earnings (P/E) ratio of 2.3 is significantly lower than the industry average of 15.0, suggesting it may be undervalued.
Consistent Dividend Payout
The company has a consistent dividend yield of 4.2%, indicating a commitment to returning value to shareholders.
Bearish Points (7)
Short-Term Moving Average Downtrend
The 10-day Exponential Moving Average (14.62) is below the current price of 14.61, suggesting potential short-term weakness.
Slowing Revenue Growth
Revenue has decreased from $2,211,000,000 in 2021 to $961,000,000 in 2024, indicating a significant slowdown in growth.
Calendar
June 2025
6
Ex-Dividend Date
June 2025
20
Next Dividend Date
July 2025
30
Next Earnings Date
H: $0.40
A: $0.31
L: $0.23
H: 171.00M
A: 156.20M
L: 136.00M
Profile
Navient Corporation provides technology-enabled education finance and business processing solutions for education, health care, and government clients in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company 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. It owns, originates, and services refinance and in-school private education loans; and offers business processing solutions, such as omnichannel contact center, workflow processing, and revenue cycle optimization services to federal agencies, state governments, tolling and parking authorities, other public sector clients, as well as hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments. In addition, the company provides corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.
Seasonals
Price Target
13.15 USD
The 39 analysts offering 1 year price forecasts for NAVI have a max estimate of 18.00 and a min estimate of 10.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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