Navient · Financials
NAVI
$8.65
Navient Corporation is an American financial services company and former student loan servicer based in Herndon, Virginia. The company was formed in 2014 by the split of Sallie Mae into two distinct entities: Sallie Mae Bank and Navient.NavientCorporation是一家美国金融服务公司，前身为学生贷款服务机构，总部位于弗吉尼亚州赫恩登。该公司于2014年由SallieMae拆分为两个独立实体（SallieMaeBank和Navient）而成立。
Speculative / unprofitable投机／未盈利
Small cap小盘
$820M
Engine stance引擎立场2026-07-20
Neutral — no clear edge中性 — 无明显优势
Confirmed cycle low — the entry window is open now, with a clear exit if it closes back below 7.87.周期低点已确认——入场窗口现已开启，若收盘重新跌破 7.87 则明确离场。
Key Statistics关键统计
Price价格
$8.65
35.9% below 52-week high低于52周高点 35.9%
Market Cap市值
$820M
Normal volume正常成交量
Beta贝塔
0.63
Moves about 0.6x the market波动幅度约为市场的 0.6 倍
RSI (14)RSI（14）
58
Neutral zone中性区域
Next Earnings下次财报
2026-07-29 (10d)
Volatility Rank波动率分位
47th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
10.7% of float
Performance价格表现
| Period周期 | NAVI | S&P 500 | vs Index对比指数 |
|---|---|---|---|
| 1 Week近1周 | +5.0% | -1.5% | Beat the index by 6.5 points跑赢指数 6.5 个百分点 |
| 1 Month近1月 | +8.5% | +0.6% | Beat the index by 7.9 points跑赢指数 7.9 个百分点 |
| 3 Months近3月 | -0.4% | +4.7% | Lagged the index by 5.1 points落后指数 5.1 个百分点 |
| 6 Months近6月 | -28.1% | +7.8% | Lagged the index by 35.9 points落后指数 35.9 个百分点 |
| Year to date年初至今 | -29.6% | +9.1% | Lagged the index by 38.7 points落后指数 38.7 个百分点 |
| 1 Year近1年 | -35.9% | +19.4% | Lagged the index by 55.3 points落后指数 55.3 个百分点 |
| 3 Years近3年 | -48.6% | +69.4% | Lagged the index by 118.0 points落后指数 118.0 个百分点 |
Technicals技术面
RSI (14)RSI（14）
58
Neutral zone中性区域
vs 50-day相对50日均线
+5.6% vs 50-day avg
vs 200-day相对200日均线
-12.1% vs 200-day avg
Volatility rank波动率分位
47th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$8.55
Don't chase above不追高于
$8.73
Stop止损
$7.87
Cycle turn — awaiting confluence cross周期拐点 — 等待共振交叉确认
Earnings财务业绩
10
days until next report天后公布财报
2026-07-29
Estimates being cut预期下调
Earnings call transcripts — coming soon财报电话会议记录 — 即将上线
Valuation估值
| Multiple指标 | NAVI | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/B市净率 | 0.34x | 1.52 | 100% |
| Earnings yield盈利收益率 | -9.73% | 6.58 | 2% |
| Shareholder yield股东收益率 | 21.15% | 3.91 | 100% |
Analyst price targets — coming soon分析师目标价 — 即将上线
Financials财务数据
Revenue营业收入
Earnings Per Share每股收益
Margins利润率
-3.3%Return on Equity股本回报率
-0.2%Return on Assets资产回报率
Capital Allocation资本配置
| Buybacks (TTM)回购（TTM） | $111.0M |
| Stock-based comp股权薪酬 | $21.0M |
| Share count change (1y)股数变化（1年） | -7.0% |
Piotroski皮奥特罗斯基 2/5
Watch关注
Snapshot Gauges综合指标
Valuation vs Sector估值相对行业
Looks cheap vs sector相对行业偏便宜
Cheaper than 100% of its sector on blended multiples综合估值倍数低于行业内 100% 的公司
Beta市场敏感度
0.63×
0.21×3×
Moves about 0.6× the market波动幅度约为市场的 0.6 倍
Financial Health财务健康
2/5
Weak financial health财务健康状况偏弱
Dividend分红
—
Does not pay a dividend不派发股息
Why Is It Moving为何波动
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Quiet — no confirmed driver平静 — 无明确驱动
Technical技术面
NAVI daily MACD crossed upNAVI 日线MACD上穿
Signal History信号历史
FRESH BUY
BUY ZONE
Jul 15, 2026
NAVI daily MACD crossed upNAVI 日线MACD上穿
The daily MACD histogram turned positive — fast and noisy, context rather than a standalone trigger. $8.47.日线MACD柱状图转正 — 快速且嘈杂，仅作背景。$8.47。
Jul 13, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 13, 2026
NAVI StochRSI turned up from oversoldNAVI StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $8.43.StochRSI重回20上方 — 下行动量趋缓的最早预警。$8.43。
Jul 9, 2026
NAVI daily MACD crossed downNAVI 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $8.03.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$8.03。
Jul 6, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 2, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jun 24, 2026
NEARING A LOW → UPTREND接近低点 → 上涨趋势
HOLD持有
Jun 22, 2026
BOTTOMING → NEARING A LOW筑底中 → 接近低点
GET READY准备
Jun 22, 2026
NAVI broke down vs the marketNAVI 相对市场走弱
Relative strength vs SPY crossed below the 10th percentile of the last 90 days — weakness often leads price. $7.87.相对标普500的强弱下穿近90日的第10百分位 — 走弱常先于价格。$7.87。
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Factor Profile因子特征
Composite factor score综合因子得分: 1.16
Value价值
+2.6
Quality质量
-0.7
Investment资本投入
+0.9
Shareholder payout股东回报
+3.0
Low volatility低波动
-0.0
Low market beta低市场敏感度
+0.3
Earnings quality盈利质量
-0.6
Short interest空头兴趣
-1.5
Company Profile公司档案
Navient Corporation is an American financial services company and former student loan servicer based in Herndon, Virginia. The company was formed in 2014 by the split of Sallie Mae into two distinct entities: Sallie Mae Bank and Navient.NavientCorporation是一家美国金融服务公司，前身为学生贷款服务机构，总部位于弗吉尼亚州赫恩登。该公司于2014年由SallieMae拆分为两个独立实体（SallieMaeBank和Navient）而成立。
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Nightly signals, options flow, and factor analysis across all S&P 500 names.每日更新的信号、期权资金流向和因子分析，覆盖所有标普500成分股。