NAVINAVI
US • —
$8.51
P/E
—
PEG
—
FCF Yield
—
Rev Growth YoY
-29.1% YoY
Gross Margin
109.6%
Health Score
2/10
D/E Ratio
19.05
Confidence
LOW
Business Snapshot
Navient Corporation (NAVI) is a leading provider of education loan management and business processing solutions, primarily serving the student loan market in the United States. The company operates by managing student loan portfolios for government agencies, educational institutions, and individual borrowers. With a significant market presence in loan servicing, it faces a competitive environment that includes banks and other non-bank servicers. A defining characteristic of Navient is its high capital intensity and sensitivity to regulatory and legislative changes in the student loan industry.
Financial Health
NAVI’s net margin stands at -11.6%, indicating the company is operating at a loss at the net income level. The balance sheet shows extreme leverage with a debt-to-equity ratio of 19.05x, while liquidity is critically strained as reflected by a current ratio of 0.26x...
Risk Assessment
- DEBT / LIQUIDITY — Debt/equity of 19.05x is severely elevated, reflecting a highly leveraged capital structure that restricts financial flexibility.
- LIQUIDITY — Current ratio of 0.26x is well below the 1.0x threshold, indicating a critical inability to cover short-term obligations with short-term assets.
- REVENUE DECELERATION — Revenue has declined 29.1% year-over-year, representing a major contraction in the company's top line.
- EARNINGS QUALITY — The company has beaten analyst estimates in only 1 of the last 4 quarters, pointing to poor earnings predictability.
- TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed.
- PROFITABILITY — Net margin of -11.6% confirms the company is generating losses from operations....
NAVI’s net margin stands at -11.6%, indicating the company is operating at a loss at the net income level. The balance sheet shows extreme leverage with a debt-to-equity ratio of 19.05x, while liquidity is critically strained as reflected by a current ratio of 0.26x. Free cash flow data is unavailable, preventing a direct assessment of cash generation or burn. This combination of negative margins, high leverage, and poor liquidity points to a distressed financial profile with significant risk for shareholders.
- DEBT / LIQUIDITY — Debt/equity of 19.05x is severely elevated, reflecting a highly leveraged capital structure that restricts financial flexibility. - LIQUIDITY — Current ratio of 0.26x is well below the 1.0x threshold, indicating a critical inability to cover short-term obligations with short-term assets. - REVENUE DECELERATION — Revenue has declined 29.1% year-over-year, representing a major contraction in the company's top line. - EARNINGS QUALITY — The company has beaten analyst estimates in only 1 of the last 4 quarters, pointing to poor earnings predictability. - TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed. - PROFITABILITY — Net margin of -11.6% confirms the company is generating losses from operations.
Unlock the full AI report
Full 8-section analysis includes:
Metric deep-dives