Stock Ratings / Financials / NAVI / financials

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Navient Holdings Inc. (NAVI) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$9.08 +11.55% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.25

Navient Holdings Inc. (NAVI) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $851.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $9.25 (+1.89%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NAVI)Realized 20D OHLCV Swing Band: ±8.8%

Deterministic 5-Pillar Attribution (58/100 Composite)

🔍 WHY NAVI SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Macro Regime Fit+13/20 pts (22% of score)

FRED Regime × Technicals: 28% of 52W Range • RSI-14 at 55 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$9.11+1.9% Next Q

Q2 (-2Q)

Grade C+$9.28-8.4% Next Q

Q3 (-1Q)

Grade C$8.50+6.8% Next Q

Current

Grade D+$9.08+0% Hist 90D α

Trajectory: B- (66) → D+ (58)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NAVI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, NAVI faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (-0.40% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($9.24) or 200D SMA ($8.93) invalidates the momentum regime and cuts Target Base ($9.08) toward Bear Floor ($7.08).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NAVI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NAVI Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”

YES 58%NO 42%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • Trailing 12 Months

How NAVI Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$23.8M (0.6% FCF Margin)

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NAVI)

✓Walkthrough of NAVI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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NAVI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -1.73%📐 HORIZONTAL RANGE

2026-10-30O $8.95H $9.31L $8.83C $9.08VOL 1.99M

RES: $10.91SUP: $8.00SMA50: $9.24SMA200: $8.93

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NAVI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NAVI Butterfly Map → + Track NAVI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NAVI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NAVI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NAVI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NAVI)

Financials Rank #613 of 1096 ⚔️ TIGR vs NAVI Full Matrix →

1. Head-to-Head Financials Peer Comparison (NAVI vs. TIGR, OPY, CSHR, UROY)

Industry: Investment Bankers/Brokers/Service (64 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Navient Holdings Inc. (NAVI) ranks #613 by composite RQD confidence (58/100, grade D+) and #586 by equity capitalization ($851.6M). Within this direct 5-issuer industry benchmark cohort, OPY leads on earnings valuation at 7.8x trailing P/E, while OPY leads on capital efficiency and profitability with 17.6% ROIC and — gross margin. OPY currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with NAVI at 58/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NAVI ACTIVE Navient Holdings Inc.	D+	58/100	—	—	—	+11.55%	$851.6M	Benchmark Subject
TIGR UP Fintech Holding Ltd representing fifteen (Class A)	C-	60/100	—	—	—	-0.97%	$727.3M	/tigr-vs-navi →
OPY Oppenheimer Holdings Inc. (Class A)	C+	67/100	7.8x	—	17.6%	+0.99%	$1.16B	/opy-vs-navi →
CSHR CoinShares PLC	D	50/100	—	—	—	+1.42%	$566.7M	/cshr-vs-navi →
UROY Uranium Royalty Corp.	C+	66/100	32.5x	—	—	-2.80%	$1.31B	/uroy-vs-navi →

2. NAVI Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Navient Holdings Inc. (NAVI) operates in Investment Bankers/Brokers/Service (Financials) with an equity capitalization of $851.6M, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.

3. NAVI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NAVI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Navient Holdings Inc. (NASDAQ: NAVI) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $9.08 (+11.55% 1D, market cap $851.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, NAVI ranks #613 in composite RQD confidence.

How does NAVI compare to TIGR and OPY in the Financials sector?

Within the Financials sector (Investment Bankers/Brokers/Service), NAVI carries a Roarable D+ (58/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, TIGR (UP Fintech Holding Ltd representing fifteen (Class A)) holds a C- grade (60/100 RQD, P/E N/A, ROIC —, cap $727.3M) and OPY (Oppenheimer Holdings Inc. (Class A)) posts a C+ grade (67/100 RQD, P/E 7.8x, ROIC 17.6%, cap $1.16B). Among the 5-stock peer group, OPY leads on earnings multiple (7.8x) while OPY leads on capital efficiency (17.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NAVI?

For Navient Holdings Inc. (NAVI), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity. and sector rank #613 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately. and implied 5-year growth hurdle of 8.0%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NAVI trading relative to its 50-day, 200-day, and 52-week technical levels?

NAVI last traded at $9.08 (+11.55% on volume of 1,333,683 shares), positioning the stock -1.73% below its 50-day simple moving average ($9.24) and +1.68% above its 200-day simple moving average ($8.93). Across its 52-week range of $7.33 to $13.48, NAVI sits at the 28.5% percentile with a 14-day RSI of 55.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.8% ($8.28 to $9.88).

NAVI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Navient Holdings Inc. (NAVI)?

In Trailing 12 Months, NAVI converted $4.0B of revenue into a 52% gross margin, 27% operating margin, and $23.8M in free cash flow (0.6% FCF margin).

Direct Sub-Reports: NAVI RQD Cockpit NAVI 12M Forecast NAVI Earnings & Move NAVI Dividends & DRIP NAVI Insiders & 13F NAVI Whale Options NAVI Profit Sankey NAVI News & Why