Navient Corporation (NAVI) — Stock Score Summary

Navient Corporation (NAVI) has a MoatMap StockRank of 14/100 based on Quality (27/100), Value (48/100), and Momentum (23/100) factor scores. The current signal is STRONG SELL. Navient is a legacy student loan servicer facing structural headwinds, regulatory scrutiny, and a shrinking addressable market. It lacks any secular growth tailwinds, pricing power, or alignment with our core macro themes.

Navient Corporation is a prominent provider of education loan management and business processing services, specializing in the servicing of federal and private student loans. The company's competitive advantage is rooted in its vast operational scale, deep expertise in loan servicing, and proprietary data analytics, which allow it to efficiently manage a significant portfolio of educational debt. Its specialized role in a highly regulated sector creates substantial barriers to entry for competitors.

Key Financial Metrics

Price$7.95
Market Cap$781M
P/E (Forward)8.22
Price/Book0.31
Return on Equity-2.5%
Debt/Equity1900.00
Gross Margin100.0%
Operating Margin25.6%
Revenue Growth-0.8%
Dividend Yield8.2%

Navient Corporation operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Navient Corporation’s (NAVI) StockRank?
MoatMap’s StockRank for Navient Corporation (NAVI) is 14/100, with a Strong Sell signal. It is a composite of Quality (27), Value (48), and Momentum (23) factor ranks across MoatMap’s 19,000+ stock universe.
Does Navient Corporation have an economic moat?
Navient Corporation (NAVI) has a Quality factor score of 27/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Navient Corporation a buy, hold, or sell?
MoatMap’s current signal for Navient Corporation (NAVI) is Strong Sell, based on a StockRank of 14/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Navient Corporation in?
Navient Corporation (NAVI) operates in the Financial Services sector, specifically the Credit Services industry (United States).
Browse all ranked stocksNAVI deep dive reportAI ChampionsHow we score stocksSense-check another stock