Navient Corporation Common Stock (NAVI)

FairStock Score: 34/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At $9.42 on 2026-10-13, Navient looks statistically cheap: FairStock calculates a P/B of 0.37 and a trailing FCF yield of 38.5%. Graham would ask whether the assets and cash flow are trustworthy. Navient is a 670-employee education finance company with federal education loans and consumer lending, including private loans and the Earnest brand. Its record is uneven. In fiscal FY2025, the year ended 2025-12-31, it reported a net loss of $80.0M and diluted EPS of -$0.81. Before that, fiscal FY2024, ended 2024-12-31, showed net income of $131.0M and diluted EPS of $1.18; fiscal FY2023 showed net income of $228.0M and diluted EPS of $1.85. Revenue was $271.0M in fiscal FY2024 and $321.0M in fiscal FY2023, per filed figures. The latest filings hint at a turn: fiscal Q2 2026, quarter ended 2026-06-30, net income was $25.0M and diluted EPS $0.26, while fiscal Q1 2026 net income was $17.0M and diluted EPS $0.17. Still, FairStock's trailing P/E is -19.63, ROE is -1.98%, ROCE is -0.10%, and Altman Z-score is 0.15, a severe distress warning. The 6.73% dividend yield and high FCF yield are appealing, but financial companies can appear cheap before credit losses show up. Piotroski F-Score of 7/9 is a positive offset, and FairStock classifies it as a TURNAROUND because of a loss in the latest year after earlier profits. Navient has no obvious wide moat; its fate hinges on funding, credit, regulation, and loan portfolio performance. I would require several more clean quarters before trusting the turnaround.

In plain English: Navient handles education loans and related financial services. It lost money in the latest full year, but recent quarters have been profitable again. The stock price looks low compared with its assets and cash flow, yet the risk signals are weak, so it is not clearly a safe bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K/A (period ended 2024-12-31) · FY2023 10-K/A (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer