Does NAVI pay a dividend and is it safe?

Navient Holdings Inc. (NAVI) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Stock Ratings / Financials / NAVI / dividends

OPY (59) TIGR (46) UROY (53) TOP (50) ⌘ Pro Terminal →

Navient Holdings Inc. (NAVI) Dividend Safety Gauge & 10-Year DRIP Compounder

$9.00 -3.23% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $8.93

Navient Holdings Inc. (NAVI) carries a Roarable Rating of D+ (Sell) with 55/100 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 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $872.2M

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NAVI Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NAVI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Navient Holdings Inc. (NASDAQ: NAVI) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $9.00 (-3.23% 1D, market cap $872.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, NAVI ranks #525 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NAVI compare to OPY and TIGR in the Financials sector?

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Within the Financials sector (Investment Bankers/Brokers/Service), NAVI carries a Roarable D+ (55/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, OPY (Oppenheimer Holdings Inc. (Class A)) holds a C- grade (59/100 RQD, P/E 7.8x, ROIC 17.6%, cap $923.0M) and TIGR (UP Fintech Holding Ltd representing fifteen (Class A)) posts a D grade (46/100 RQD, P/E N/A, ROIC —, cap $691.6M). Among the 5-stock peer group, OPY leads on earnings multiple (7.8x) while OPY leads on capital efficiency (17.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NAVI?

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For Navient Holdings Inc. (NAVI), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity. and sector rank #525 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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $8.93 (-0.77%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% 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-1.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NAVI)Realized 20D OHLCV Swing Band: ±9.8%

Deterministic 5-Pillar Attribution (55/100 Composite)

🔍 WHY NAVI SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

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

▲ #2 Bullish Driver: Cash Engine Quality+11/20 pts (20% of score)

SEC XBRL Trailing 12 Months: 0.6% FCF Margin ($24.4M FCF) & 52% Gross Margin

▼ #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 C+$9.42-4.7% Next Q

Q2 (-2Q)

Grade C$8.98-6.2% Next Q

Q3 (-1Q)

Grade C$8.42+6.9% Next Q

Current

Grade D+$9.00-0.5% Hist 90D α

Trajectory: C+ (63) → D+ (55)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 55/100 (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 ($9.23) or 200D SMA ($8.89) invalidates the momentum regime and cuts Target Base ($8.88) toward Bear Floor ($6.93).

🎲 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 55%NO 45%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.4K

Yr 2

$12.2K

Yr 3

$13.0K

Yr 4

$13.9K

Yr 5

$14.8K

Yr 6

$15.8K

Yr 7

$16.9K

Yr 8

$18.1K

Yr 9

$19.3K

Yr 10

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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Join Founding VIP Waitlist (No Card Required) →$100K Arena

NAVI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +0.22%📐 HORIZONTAL RANGE

2026-11-03O $9.08H $9.30L $9.00C $9.00VOL 1.99M

RES: $10.95SUP: $8.00SMA50: $9.23SMA200: $8.89

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 #525 of 1096 ⚔️ OPY vs NAVI Full Matrix →

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

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

Across 1096 tracked Financials securities in the Roarable RQD universe, Navient Holdings Inc. (NAVI) ranks #525 by composite RQD confidence (55/100, grade D+) and #578 by equity capitalization ($872.2M). 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 59/100 (C-) compared with NAVI at 55/100 (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+	55/100	—	—	—	-3.23%	$872.2M	Benchmark Subject
OPY Oppenheimer Holdings Inc. (Class A)	C-	59/100	7.8x	—	17.6%	-2.82%	$923.0M	/opy-vs-navi →
TIGR UP Fintech Holding Ltd representing fifteen (Class A)	D	46/100	—	—	—	+1.03%	$691.6M	/tigr-vs-navi →
UROY Uranium Royalty Corp.	D+	53/100	32.5x	—	—	-2.98%	$1.26B	/uroy-vs-navi →
TOP TOP Financial Group Limited (Class A)	D	50/100	—	—	—	-2.25%	$1.37B	/top-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 $872.2M, 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?

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

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

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

NAVI last traded at $9.00 (-3.23% on volume of 2,336,648 shares), positioning the stock -2.49% below its 50-day simple moving average ($9.23) and +1.24% above its 200-day simple moving average ($8.89). Across its 52-week range of $7.33 to $13.48, NAVI sits at the 27.2% percentile with a 14-day RSI of 54.6 (NEUTRAL RANGE) and an implied next-earnings move of ±9.8% ($8.12 to $9.88).

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

ROARABLE RATING BRIEF • RQD 55/100 (D+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

NAVI — Navient Holdings Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T14:14:40Z

1. Roarable Rating Brief: What This Means to a Prospective Investor

NAVI scores 51 out of 100, a letter grade of D, with the verdict "Roarable Sell — Underperform / Distribution Warning." The five pillars are: Fundamental Cash Engine at 11/20 (ROIC 0%; FCF yield 0%), Whale 13F Flow at 7/20 (institutional accumulation and options positioning), Insider Conviction at 9/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 11/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13/20 (Altman Z 2.5; Piotroski F 6/9; Debt/Equity 0.5).

For a prospective investor, the weakest pillars are the cash engine and the smart-money signals, which together point to limited evidence of current cash generation and modest insider or institutional conviction. The balance sheet pillar is the relative strength, with a Piotroski F of 6/9 and Debt/Equity of 0.5 per the rating. The verdict is a distribution warning, meaning the composite profile does not support an upside-driven case on the present data.08 price against earnings or enterprise value. The 52-week range of $7.33 to $13.48 places the current price in the lower portion of that band, which is context rather than a signal of direction.

2. Business Model, Unit Margins & SEC Financial Trajectory

Navient Holdings Inc. (NAVI) is a NASDAQ-listed issuer in the Financials sector, within the Investment Bankers/Brokers/Service industry, per the Company Profile. The profile describes a market capitalization of $0.9B. — for products, customers, or revenue model.

Gross margin, operating margin, net margin, and ROIC are each reported as 0%, and FCF yield is reported as 0%. The Roarable RQD rating reports an Altman Z-Score of 2.5, a Piotroski F-Score of 6/9, and Debt/Equity of 0.5.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case: Balance sheet is the relative strength in the RQD rating, with a Piotroski F-Score of 6/9, Altman Z of 2.5, and Debt/Equity of 0.5. With Fundamental Cash Engine at 11/20 (ROIC —, FCF yield —) and Institutional Whale Flow at 11/20, sustained execution supports upside toward the top of the $7.33 – $13.48 52-week range.
🐻 Primary Bear Case: The RQD verdict is a distribution warning, with zero reported ROIC and FCF yield and a Roarable Sell grade of D. Investors must weigh current valuation against — operating margins and a 1.00 macro beta if sector demand softens.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream dependencies, downstream customers, sector correlations beyond the Beta of 1. The only sector-level datapoint is the RQD Macro Regime Fit pillar, scored 11/20 with a reference to sector sensitivity.

Key Question #1: What is the basis for the zero reported ROIC and FCF yield, and do they reflect a true absence of returns or a data gap?
Key Question #2: What is the consensus rating and the full set of analyst price targets behind the $8.08 average cited in the news feed?
Key Question #3: What is the company's actual business mix, customer base, and revenue model, given that the profile is limited to sector and industry classification?

NAVI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Navient Holdings Inc. (NAVI) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NAVI Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance UK • 21h ago

Navient Corporation (NAVI) stock price, news, quote and history

Yahoo Finance UK report covering Navient Holdings Inc. (NAVI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo! Finance Canada • 1d ago

Navient Corporation (NAVI) Stock Price, News, Quote & History

Yahoo! Finance Canada report covering Navient Holdings Inc. (NAVI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH TradingView • 1d ago

Navient Corporation Stock 12‑Month Price Target Cut to $9.17, Implies 8% Upside

TradingView report covering Navient Holdings Inc. (NAVI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GuruFocus • 1d ago

ETFs Are Buying Navient (NAVI) on Oct. 29

GuruFocus report covering Navient Holdings Inc. (NAVI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Navient Corporation (NASDAQ:NAVI) Stock Has Average Price Target of $8.08

MarketBeat report covering Navient Holdings Inc. (NAVI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Globe and Mail • 1d ago

2 Financials Stocks Worth Your Attention and 1 We Turn Down

The Globe and Mail report covering Navient Holdings Inc. (NAVI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH TradingView • 1d ago

NAVI's Restructuring Risks Trigger S&P Outlook Downgrade: What's Next?

TradingView report covering Navient Holdings Inc. (NAVI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Will Navient (NAVI) Beat Estimates Again in Its Next Earnings Report?

Yahoo Finance report covering Navient Holdings Inc. (NAVI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NAVI Bull vs. Bear Conversation Board — What's Your Call at $9.00?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NAVI 🐻 33% BEARISH CONVICTION

SI SiliconVal_Bull Growth & Tech Investor 🐂 BULLISH 🎯 Target: $11.44 (+23.0%)

📌 Pinned Debate

Balance sheet is the relative strength in the RQD rating, with a Piotroski F-Score of 6/9, Altman Z of 2.5, and Debt/Equity of 0.5.

The street is overcomplicating Navient Holdings Inc. (NAVI). Balance sheet is the relative strength in the RQD rating, with a Piotroski F-Score of 6/9, Altman Z of 2.5, and Debt/Equity of 0.5.. With an RQD score of 55/100 (D+) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $10.04.

VolSurface_Trader 🐂 BULL

Both sides have a point here — NAVI's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

CR CreditSpread_Watch Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $7.53 (-19.0%)

Spot @ $9.30

The RQD verdict is a distribution warning, with zero reported ROIC and FCF yield and a Roarable Sell grade of D.

I respect the product at Navient Holdings Inc., but the stock at $9.30 is a different story. The RQD verdict is a distribution warning, with zero reported ROIC and FCF yield and a Roarable Sell grade of D.. FCF yield is 0.0% and RQD sits at 55/100 (D+) — why pay up here when you can wait for next quarter's numbers?