Profitability
Weight: 25%
B
71
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.7%
- Operating Margin Trend +8.38 pp/yr
NAVI
Navient Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A+
94
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 16.7%
- 5yr Share-Count CAGR -12.9%
Growth Quality
Weight: 10%
C+
61
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 14.9%
- 5yr EPS CAGR -34.3%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.98x
Balance Sheet
Weight: 30%
F
26
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 4.9%
- Interest Coverage (EBIT/Int) 0.96x
Stability
Weight: 10%
C-
44
- EPS Volatility (σ/μ) 0.49
- Piotroski F-Score 6
- Negative-Revenue Years (5) 3/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 trimmed.
- Holders
- 2
- Avg Δ position
- -56.7%
- New buys
- 0
- Full exits
- 0