NAVI
Financial Services · Credit Services
Performance
NAVI (NAVI) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
NAVI (NAVI) operates in the Credit Services space within the Financial Services sector. With a market cap of $763M, it qualifies as a small-cap company. Both revenue and profitability are declining, which raises questions about the durability of the current business model.
- Current ratio of 7.9× — ample short-term liquidity
- Dividend yield of 8.03% provides consistent income on top of price appreciation
- Price is near its 52-week low — potential entry point with asymmetric upside
- Revenue declined 1% YoY — warning sign for business momentum
- Negative profit margin of -18.5% — company is currently unprofitable
- Negative ROE of -2.5% — shareholder equity is being eroded
- High debt-to-equity of 1900.00× increases financial risk, especially with elevated interest rates
Verdict
Caution
More risks than strengths. Consider waiting for fundamentals to improve before adding.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
8.03%
5Y Avg Annual
$0.5760
Last Payment
$0.1600
Ex-Date
06/05/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest06/05/2026 | 06/19/2026 | $0.1600 | 7.89% |
03/06/2026 | 03/20/2026 | $0.1600 | 7.89% |
12/05/2025 | 12/19/2025 | $0.1600 | 7.89% |
09/05/2025 | 09/19/2025 | $0.1600 | 7.89% |
06/06/2025 | 06/20/2025 | $0.1600 | 7.89% |
03/07/2025 | 03/21/2025 | $0.1600 | 7.89% |
12/06/2024 | 12/20/2024 | $0.1600 | 7.89% |
09/06/2024 | 09/20/2024 | $0.1600 | 7.89% |
Magic Number
Shares needed to self-fund your next purchase
$8.12
Price
$0.1600
Last div. (quarterly)
51
shares
Own 51 NAVI shares ($413.87) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$413.87
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Jul 29, 2026
43
days
EPS (TTM)
$-0.62
P/E (TTM)
—
Fwd P/E
8.6
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $8.12
Graham Number
√(22.5 × EPS × Book Value)
N/A
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$10.67
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
5/10
56% score
Pays dividends
12Y hist.12+ years of dividend history
Dividend consistency (5Y+)
12 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
-2.5%Return on equity — measures how efficiently capital is used
Positive profit margin
-18.5%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
-0.8%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
1900.00×Low financial leverage reduces risk of distress
Current ratio above 1
7.86×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$9M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
8.03%Stock must distribute income to shareholders
Related Assets
Financial Services
About NAVI
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. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.
Sector
Financial Services
Industry
Credit Services
Location
Herndon, United States
Employees
670