NAVI | Ticker Profile - Titan Protect

NAVI

Navient Corporation

Financial Services · Credit Services · NMS

$7.81

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 85.7%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$763M

Total market value of the company

Trailing P/E

N/A

Forward P/E

8.59

Based on estimated future earnings — lower means cheaper

Rev Growth

-0.8%

Year-over-year revenue change

Profit Margin

-18.5%

How much profit the company keeps from each dollar of revenue

ROE

-2.5%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$9.00

+15% from current price — median analyst estimate

Recommendation

HOLD

Consensus view from 8 analysts covering this stock

About Navient Corporation

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.

https://www.navient.com

Country: United States Employees: 670 Industry: Credit Services

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

DISTRIBUTION

Smart money appears to be selling into strength — caution

Sharpe Ratio

-0.458

Returns do not compensate for the risk — negative edge

Kelly Fraction

-0.0611

No positive edge detected — the data suggests staying out

Calmar Ratio

-0.432

Drawdown risk outweighs the returns — higher risk profile

Annual Return

-21.2%

Historical annualised return based on price data

Max Drawdown

-49.1%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

1.26

Moves slightly more than the broader market

52W High

$16.07

51% below the year high

52W Low

$7.80

0% above the year low

Avg Volume

985,093

Average daily shares traded — higher means easier to buy and sell

Short Ratio

9.2

Days it would take all short sellers to cover — higher means more crowded

Short % Float

22.9%

Very high short interest — potential squeeze candidate

Div Yield

789.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$-0.62

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

1,900.00

Heavy leverage — higher financial risk if revenues decline

Current Ratio

7.86

Strong balance sheet — comfortably covers short-term obligations

Quick Ratio

7.60

Like current ratio but excludes inventory — stricter test

Gross Margin

100.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

25.6%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$329M

Total revenue over the last 12 months

Net Income

$-61,000,000

Loss-making — spending exceeds revenue after all costs

Analyst Coverage

Analysts

Target High

$13.00

Target Median

$9.00

Target Low

$8.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

Before you go