$8.44
+0.16 (+1.93%)
Last updated: Apr 16, 2026 02:36
Fundamentals Overview
Navient Corporation is near the low of its 52-week range with low valuation, trading relatively flat today.
Valuation low
Risk (Beta)
1.29 — higher vol
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
Sentiment improving (1 upgrade)
Pressures (Sell):
3M vs S&P 500: -32.5% · 3M vs Financial Services sector: -26.1%
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: C+. Recent institutional grades: majority upgrades. Current institutional positions: Buy: 1, Equal Weight: 1, Hold: 2, Market Perform: 7, Neutral: 11, Sell: 3, Underweight: 5.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $-180.44; current price is $8.44. That’s a -2237.9% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | N/A |
| PEG (TTM) | N/A |
| P/B (TTM) | 0.29 |
| P/S (TTM) | 0.25 |
| P/FCF (TTM) | 1.82 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 0.41 |
| Quick Ratio (TTM) | 0.41 |
| Cash Ratio (TTM) | 0.41 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | -2.47% |
| Gross margin (TTM) | 28.51% |
| Operating margin (TTM) | 16.34% |
| Debt to equity (TTM) | N/A |
Latest News
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for NAVI.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| JP Morgan | maintain | Neutral | Neutral | 2026-04-09 |
| Barclays | maintain | Underweight | Underweight | 2026-04-06 |
| Deutsche Bank | maintain | Hold | Hold | 2026-01-29 |
| Barclays | maintain | Underweight | Underweight | 2026-01-06 |
| JP Morgan | maintain | Neutral | Neutral | 2025-10-30 |
| JP Morgan | maintain | Neutral | Neutral | 2025-10-07 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2025-10-01 |
| Morgan Stanley | maintain | Equal Weight | Equal Weight | 2025-07-31 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2025-07-31 |
| JP Morgan | maintain | Neutral | Neutral | 2025-07-11 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2025-07-09 |
| JP Morgan | maintain | Neutral | Neutral | 2025-05-01 |
| TD Securities | maintain | Sell | Sell | 2025-05-01 |
| Jefferies | maintain | Hold | Hold | 2025-04-21 |
| JP Morgan | maintain | Neutral | Neutral | 2025-04-08 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2025-03-31 |
| Seaport Global | upgrade | Neutral | Buy | 2025-01-21 |
| JP Morgan | maintain | Neutral | Neutral | 2025-01-14 |
| B of A Securities | maintain | Neutral | Neutral | 2024-12-24 |
| JP Morgan | maintain | Neutral | Neutral | 2024-12-09 |
| TD Cowen | maintain | Sell | Sell | 2024-11-01 |
| Barclays | maintain | Underweight | Underweight | 2024-10-08 |
| JP Morgan | maintain | Neutral | Neutral | 2024-10-07 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-07-25 |
| Barclays | maintain | Underweight | Underweight | 2024-07-09 |
| JP Morgan | maintain | Neutral | Neutral | 2024-07-08 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-07-08 |
| TD Cowen | maintain | Sell | Sell | 2024-04-26 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-04-25 |
| Barclays | maintain | Underweight | Underweight | 2024-04-25 |