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Navient Corporation NAVI NASDAQ

NASDAQ Global Select • Financial Services • Financial - Credit Services • US • USD

SharesGrow Score
49/100
1/7 Pass
SharesGrow Intrinsic Value
$47.90
+478.5%
Analyst Price Target
$10.00
+20.8%

Navient Corporation (NAVI) reported total assets of $48.68B and total liabilities of $46.28B for fiscal year 2025, resulting in total equity of $2.4B.

The company held $2.1B in cash and short-term investments. Total debt stood at $45.71B, with net debt of $43.6B. The Debt-to-Equity (D/E) ratio was 19.05 (leveraged).

Current ratio is 0.41, which may signal tight short-term liquidity. Interest coverage is 1x (weak).

Criteria supported by this page:

  • HEALTH (0/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
  • MOAT (68/100) — Total assets $48.68B and equity $2.4B support the company's competitive scale
  • VALUE (86/100) — Debt-to-Equity 19.05 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 49/100 with 1/7 criteria passed.

SharesGrow 7-Criteria Score
49/100
SG Score
View full scorecard →
VALUE
86/100
Price-to-Earnings & upside
→ Valuation
~
FUTURE
46/100
Analyst consensus
→ Forecast
~
PAST
75/100
→ Income
HEALTH
0/100
Debt-to-Equity & liquidity
Proven by this page
~
MOAT
68/100
→ Income
~
GROWTH
58/100
→ Income
INCOME
10/100
→ Income
Navient Corporation Balance Sheet History
Metric FY2025 FY2024 FY2023 FY2022
Total Assets $48.68B$51.79B$61.38B$70.8B
Total Liabilities $46.28B$49.15B$58.62B$67.82B
Total Debt $45.71B$47.91B$57.3B$66.9B
Cash & Investments $2.1B$2.1B$839M$1.54B
Total Stockholders Equity $2.4B$2.64B$2.76B$2.98B
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