Navient Corporation
NAVIFinancial ServicesNASDAQCredit Services · Last scanned Jun 2, 2026
Scan Results
Daily timeframeNavient Corporation provides technology-enabled education finance for education in the United States. The company carries a $798.0M market cap, placing it firmly in the small-cap category. It operates through two segments: Federal Education Loans and Consumer Lending.
Market Cap
$798.0M
Beta
1.26
P/E (TTM)
—
P/E (Fwd)
8.98
EPS (TTM)
$-0.62
EPS (Fwd)
$0.95
ROE
-2.5%
ROA
-0.1%
Cash
$657.0M
Total Debt
$45.20B
Free CF
—
52W Change
-37.1%
Annual Financials
Cash vs Debt
On the balance sheet, NAVI has $657.0M in cash with $45.20B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. ROE of -2.5% points to negative capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. Revenue has pulled back from $2.21B (2021) to $610.0M (2025), a 72% decline worth watching.
Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. No single metric tells the full story. Reviewing NAVI's risk profile alongside its fundamentals and technical indicators provides a more complete picture.