# Navient Holdings Inc. (NAVI) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Consumer Lending. Price $8.26, market value $775 million.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Navient Holdings Inc. reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 1.3×**. Each dollar of revenue is priced at 1.3×.
- **Price / book: 0.3×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 43.9%** (5-yr avg 29.6%). Free cash flow equals 43.9% of the market value, above its five-year average of 29.6%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.

## Profitability
- **Net margin: -13.1%**. The company reported a net loss over the last twelve months.
- **Return on equity: -3.3%**. Return on equity is negative because earnings are negative.
- **Return on assets: -0.1%**. Each dollar of assets produces -0.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 125.1%** (3-yr 22.5%/yr, 5-yr 9.5%/yr). Revenue grew 125.1% over the last year, against 9.5% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -168.6%**. Earnings per share fell 168.6%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 13.1%/yr**. Free cash flow has compounded at 13.1% a year over three years.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $637 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 7.74%** ($0.64 per share, trailing). Navient Holdings Inc. yields 7.74%, high enough to check carefully: yields this high often precede a cut.
- **Consecutive years of increases: 12**. 12 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 0.0%/yr** (1-yr 0.0%). The dividend has not grown over five years.
- **Shareholder yield: 17.8%**. Dividends plus net buybacks return 17.8% of the market value a year.

## Analyst view
- **Analyst consensus: hold** (6 analysts). 6 analysts cover Navient Holdings Inc.; the consensus is hold, with an average price target of $9.17 (+11% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -22.4%** (YTD -28.0%, 3-mo 1.9%). The shares are down 22.4% over twelve months including dividends.
- **From 52-week high: -38.7%** (12.7% above the low). Trading 39% below its 52-week high, deep in a drawdown.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.62** (volatility 42%). Beta of 0.62 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=NAVI · Page: https://foliofundamentals.com/stocks/navi

Not investment advice.