Navient Corporation
NAVIFinancial ServicesNASDAQCredit Services · Last scanned Oct 24, 2026
Scan Results
Daily timeframeNavient Corporation provides technology-enabled education finance for education in the United States. Valued at $797.2M, NAVI is a small-cap name in its sector. It operates through two segments: Federal Education Loans and Consumer Lending.
Market Cap
$797.2M
Beta
1.17
P/E (TTM)
—
P/E (Fwd)
8.72
EPS (TTM)
$-0.47
EPS (Fwd)
$0.97
ROE
-2.0%
ROA
-0.1%
Cash
$796.0M
Total Debt
$44.43B
Free CF
—
52W Change
-33.7%
Annual Financials
Cash vs Debt
Where NAVI stands vs its 150-day and 200-day moving averages
As of the October 16, 2026 close, NAVI finished 12.21% above its 150-day moving average ($8.52) and 7.78% above its 200-day moving average ($8.87). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is NAVI overbought or oversold?
At the October 16, 2026 close, NAVI's RSI(14) was 60.4, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Navient Corporation carries $44.43B in total debt against $796.0M in cash reserves — debt is roughly 55.8x the cash position. Managing this leverage effectively will be important for long-term financial stability. ROE of -2.0% 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.
Navient Corporation carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing NAVI.