Navient (NAVI) Fundamental Analysis: Revenue, Earnings & Valuation

5.91 / 10

Netural

Fundamentally, NAVI scores 5.9/10, indicating fair quality. Strengths include a 48% gross profit margin, solid Asset‑MV and Cash‑MV ratios, and a 100% profit‑to‑EBIT ratio. However, profit growth is negative, net profit margin is deeply negative, and asset turnover is weak, limiting upside.

Analysis Checks(5/10)

Gross profit margin (%)

Value48.34

Score2/3

Weight1.81%

1M Return0.94%

Total profit (YoY growth rate %)

Value-163.79

Score0/3

Weight-3.26%

1M Return-2.00%

Net cash flow from operating activities (YoY growth rate %)

Value-3.92

Score0/3

Weight-0.80%

1M Return-0.48%

Net profit margin (%)

Value-1161.70

Score0/3

Weight4.09%

1M Return2.13%

Total profit / EBIT (%)

Value100.00

Score2/3

Weight6.71%

1M Return3.38%

Operating revenue (YoY growth rate %)

Value178.81

Score1/3

Weight6.29%

1M Return3.12%

Total assets turnover ratio

Value0.82

Score1/3

Weight6.12%

1M Return3.15%

EBIT / Total operating revenue (%)

Value-934.44

Score2/3

Weight4.82%

1M Return2.48%

Asset-MV

Value-0.55

Score3/3

Weight53.18%

1M Return16.13%

Cash-MV

Value1.42

Score3/3

Weight21.03%

1M Return9.79%

Is NAVI undervalued or overvalued?

NAVI scores 5.91/10 on fundamentals and holds a Fair valuation at present. Backed by its -3.17% ROE, -13.11% net margin, -9.78 P/E ratio, 0.33 P/B ratio, and -167.50% earnings growth, these metrics solidify its Netural investment rating.