Forensic Analysis · General / Diversified · as of Jun 27, 2026
NAVIENT CORP (NAVI)
A forensic read on NAVIENT CORP built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.
C · Mixed — selective
Forensic grade
Clean
Earnings quality
2
Forensic signals
-2.5%
ROE
$818M
Market cap
7.59%
Dividend yield
NAVIENT CORP earns a C (Mixed — selective) forensic quality grade. 2 forensic signals were flagged in its latest SEC filings, led by return on invested capital.
What the filings flag
-0%Return on invested capital. Return on invested capital is -0% and steady — well below its ~9% cost of capital, so reinvested dollars may be destroying value, not building it.
-16%Dividend — cut. The payout was CUT ~16% in FY2020 (from FY2019). It still returns some cash, but it is NOT the dependable, rising dividend an unbroken streak implies — weigh the cut when judging reliability.
Key fundamentals
Net Margin48.3%
Latest Revenue$271.0M
Revenue Growth YoY-15.6%
Go deeper — free with an account
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🔒Interactive valuation — reverse-DCF sliders, Monte Carlo & scenario stress
🔒Calibrated 12-month price forecast, with the math shown
🔒Peer comparison + filing-change monitoring & alerts
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Data from SEC EDGAR public filings · metrics as of Jun 27, 2026. Forensic signals flag probability, not certainty.