Navient stock
NAVINASDAQNavient Corporation, Financial ServicesISIN US63943R1086
36Score 36 out of 100, Weak
Price and trend
41 / 100
Price history
−50% in one yearThe chart shows daily closes over 13 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 30% below it.
Since October 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 32).
The price is 54% below its 52-week high. Largest decline in 13 years: 78% (December 2014 to March 2020).
Chart figures for advanced users
- SMA 50$8.95
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$8.74
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)32
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$5.92
- The lowest closing price of the last twelve months.
- Resistance$13.28
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Navient Corporation belongs to the Financial (Credit Services) industry (United States) and, with a market value of $575.83M, is number 53 of 59 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $647M (down 32.7% year on year) and a loss of $80M.
- For fiscal 2026, analysts expect on average revenue of $668.04M (up 3.3%) and adjusted earnings per share of $0.65.
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- MEQIRI Score 36 out of 100 (Weak): rank 944 of 975 in Financial Services, median 68.
- The P/E is 11.1 (Financial (Credit Services) median 11.8, own median of recent years 5.8).
- Our model puts fair value at $13.38, with the price 54% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High dividend yieldDividend yield 10.42%, Financial (Credit Services) median 3.13%.Capital allocation 57
- Share buybacksShare count down 49% since 2020.Capital allocation 57
- Reliable dividendNo dividend cut for 12 years.Capital allocation 57
Weaknesses
- Margin may fall backOperating margin 385%, average of the prior years 31.5%, which ranged from 18.1% to 47.6%. After peaks like this, the margin was more than a quarter lower two years later in 44 of 100 cases, against 24 of 100 for other companies with high margins.Profitability 18
- Revenue shrinkingRevenue down 17.5% a year since 2020.Growth 5
- Turned to a lossEarnings per share from $2.13 in 2020 to −$0.81.Growth 5
Its standout strength is valuation, while momentum and growth hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among smaller stocks.
From 2016 to 2025, 36 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price far below its 52-week high
- high price swings
- weak momentum
What lowers it
- low growth grade (crashed less often in the backtest)
- price not overheated over the past year
Valuation
Valuation signal
Possible value trapIn our model the price counts as cheap below $9.56 and expensive above $22.30 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $20.22 (excess return model) and $6.55 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 9.5%. At 10.5% the fair value would be $11.87, at 8.5% it would be $15.54.
Possible value trap: looks cheap, but score below 50, high risk, weak growth.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 6.9% on the twelve months before. Revenue has declined since 2012 (-12% per year), so it is worth watching closely.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 385%, net −12%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 8%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 27 Jan 2027in 75 days
- Last reported
- 4 Nov 2026EPS reported $0.03 (expected $0.13)below expectations
Analyst estimates
Analysts have cut their 2026 earnings estimate by 19.6% since 15 Oct 2026. Falling estimates often precede bad news.
- Earnings per share
- $0.65−19.6%
- Revenue
- $668.04M+13.9%
- Earnings per share
- $0.83−16.4%
- Revenue
- $615.71M−3.9%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +0.2%The company remains on pace for its full-year outlook: private loan originations as planned and operating expenses of $350 million or lower.
“We remain on pace for our full year operating expense outlook of $350 million or lower.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 6 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Navient
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 36
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- Qfin HoldingsQFIN $670.45M68
- Green DotGDOT $657.61M42
- World AcceptanceWRLD $604.61M56
- Oportun FinancialOPRT $599.58M54
- GrenkeGLJ.DE $560.03M48
- OppFiOPFI $500.75M73
- LendingTreeTREE $495.74M59
- PRA GroupPRAA $447.43M58
ETFs that hold Navient
Held by 12 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.03% | 0.30% | €964.08M |
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.02% | 0.30% | €2.31B |
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.02% | 0.39% | €1.49B |
Show 5 more
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.02% | 0.30% | €2.22B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.01% | 0.30% | €4.28B |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 0.01% | 0.39% | €190.04M |
| iShares MSCI World Small Cap UCITS ETFIUSN | 0.01% | 0.35% | €8.27B |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.01% | 0.43% | €2.5B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Weak, published since 7 Nov 2026 (in the score history since 18 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.