Navient Corporation (NAVI) Stock Analysis & Winston Score

Navient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing and asset recovery services on its

Winston Score History

Politician Trades

1 trades / 12mo

0 Congressional buys and 1 sell on NAVI in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-16.1% YoY

YoY Growth Rate

Revenue declining

EPS Growth

>+1,000% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

1.7%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~3 years

$621M cash & investments

$621M cash & investments at current burn rate

Revenue declining

Navient Corporation's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

18.8%

Thin — 18.8% gross margin

Operating Margin

1.6%

Thin — 1.6% operating margin

ROCE

0.0%

Weak — 0.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-21.5%

Shrinking sales (-21.5% YoY)

EPS YoY

-219.2%

Earnings shrinking (-219.2% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

10.5%

Modest free cash flow (10.5%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

18.99

Heavy debt load (18.99)

Interest Cover

0.22x

Dangerous — barely covers interest (0.2x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

7.43%

no trend

Healthy income — 7.43% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend Growth

+0.0%

no trend

Dividend flat

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