Navient Corporation (NAVI) Stock Score, Valuation & Financial Research
Navient Corporation is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 27/100.
Quick answer for NAVI
Navient Corporation currently has a Wall Street Score of 27/100. The stored market price is $9.78. Its financial score is 36/100. Its valuation score is 0/100. These figures are a research snapshot, not a buy or sell recommendation.
What Navient Corporation does
Navient Corporation specializes in managing education loans and delivering comprehensive business processing services. Its clientele spans the education, healthcare, and government sectors, serving federal, state, and local entities across the United States. The company's operations are divided into three primary segments: Federal Education Loans, Consumer Lending, and Business Processing. Within its Federal Education Loans segment, Navient holds Federal Family Education Loan Program (FFELP) loans, which are backed by state or non-profit agency guarantees. This division also handles the servicing and recovery of its own loan assets, alongside offering asset recovery solutions for FFELP loans held by other organizations. Its Consumer Lending activities involve the ownership, origination, acquisition, and ongoing servicing of private education loans, including both in-school financing and
NAVI financial snapshot
- Wall Street Score:
- 27/100
- Current price:
- $9.78
- Market capitalization:
- $919.2M
- Revenue:
- $3.06B
- Net income:
- $-60.0M
- Free cash flow:
- $441.0M
- Cash:
- $621.0M
- Total debt:
- $45.18B
- EPS:
- -0.81
- Financial score:
- 36/100
- Valuation score:
- 0/100
- Revenue score:
- 20/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $441.0M, showing positive cash generation.
- The balance sheet shows $621.0M of cash versus $45.18B of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 0/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 36/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research NAVI
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
Learn how to analyze a stock · Read the Wall Street Score methodology · Browse other stocks
Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.