# Navient Corporation (NAVI)

- Sector: Financials · Industry: Credit Services
- SEC CIK: 0001593538 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001593538))
- Full page: https://inspectstocks.com/stocks/navi
- Data as of: price 2026-09-25; newest filing used 2026-08-07; latest fiscal period ended 2026-06-30

## Grade

**D-** on the balance-sheet rubric used for lenders, 2 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | failed | -$49M |  |
| Earnings growing overall | failed | -$49M | $387M |
| Earnings growing recently | passed | -$49M | -$80M |
| Earns well on its assets | failed | -0.1% |  |
| Book value per share growing | passed | $24.23 | $20.67 |

Business quality (the + / − mark): 0 of 7 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | failed | -8.2% |  |
| Healthy profit margin | failed | -8.2% |  |
| Good return on equity | failed | -2.0% |  |
| Debt under control | failed | 19.05 |  |
| Earns a wide spread on lending | failed | 1.1% |  |
| Runs the bank efficiently | failed | 64.7% |  |
| Credit losses well covered | failed | 44.2% |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $600M |
| Net income, trailing twelve months | -$49M |
| Net margin | -8.2% |
| Return on equity | -2.0% |
| Debt to equity | 19.05 |
| Diluted EPS, trailing twelve months | -$0.50 |
| Share price | $9.12 |
| Market value | $855.3M |
| Price / sales | 1.4x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/navi)
- [Financial statements](https://inspectstocks.com/stocks/navi/financials)
- [Competitors](https://inspectstocks.com/stocks/navi/peers)
- [Earnings](https://inspectstocks.com/stocks/navi/earnings)

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Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.