Navient Corporation
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Navient Corporation's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales and profit both fell in each of the last 3 years. Less steady than almost all Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
0/3 · 0/3Sales and profit both fell in each of the last 3 years.
Less steady than almost all Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 65%
Sales fell 65% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-65% / -31%In 3 years sales changed by -65% while total assets changed by -31%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 72% of Financial Services companies in United States.
Tangible Net Worth Ratio
82%Of every $100 of net worth, $82 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 52% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Navient Corporation made a loss over the last year. Navient Corporation owes $0.95 for every $1 it owns. Navient Corporation made a loss in the year to Dec 2025, after a profit the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
LossNavient Corporation made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
0.35The share price is 0.35 times Navient Corporation's book value per share, lower than almost all Financial Services companies in United States.
Market cap
$831 MThe total market value of all of Navient Corporation's shares at today's price (share price × number of shares), larger than 52% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$2.4 BWhat Navient Corporation would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$25.57Net worth divided by the number of shares. The share price of $8.86 is 0.3 times this, which is the P/B above.
Return on equity (ROE)
-2.0%Navient Corporation lost 2.0% of its shareholders' money over the last year, lower than 87% of Financial Services companies in United States.
Owes vs Owns
0.95×Navient Corporation owes $0.95 for every $1 it owns (high), higher than 95% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
7.09%Navient Corporation pays 7.09% of its share price as dividends a year, higher than 83% of dividend-paying Financial Services companies in United States.
Revenue growth
-37%Revenue fell 37% in the year to Dec 2025, and shrank 29% a year on average over 3 years.
Profit growth
LossNavient Corporation made a loss in the year to Dec 2025, after a profit the year before.
Profit margin
-13.1%Navient Corporation lost $13 for every $100 of revenue.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Navient Corporation: $831 M ÷ $2.4 B (30 Jun 2026) = 0.3.
What is Navient Corporation's return on equity?
Navient Corporation lost 2.0% of its shareholders' money over the last year, lower than 87% of Financial Services companies in United States.
How much does Navient Corporation owe compared with what it owns?
Navient Corporation owes $0.95 for every $1 it owns (high), higher than 95% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Navient Corporation pay a dividend?
Yes. Navient Corporation pays 7.09% of its share price as dividends a year, higher than 83% of dividend-paying Financial Services companies in United States.
Is Navient Corporation's revenue growing?
Revenue fell 37% in the year to Dec 2025, and shrank 29% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.