Positive context积极背景
Stocks股票 / Financials / NAVI
Navient · Financials
NAVI US listed · USD美股 · 美元
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.Navient Corporation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Sallie Mae拆分为两个独立实体（Sallie Mae Bank和Navient）而成立。
Small cap小盘 · $900M
Financials
S&P 600标普600小盘Russell 2000罗素2000
Speculative / unprofitable投机／未盈利
$9.42
+$0.27 · +2.95%
52w low52周低 $7.08high高 $12.92
Extended — wait for a pullback过度拉伸 — 等待回撤
Stretched/late — protect gains and don't start new positions; let the next low set up first.已拉伸／晚期——保护利润，不要新开仓；先等下一个低点构筑成形。
As of 2026-09-14截至 2026-09-14
Company intelligence公司情报
The latest call, in context把最新财报放回历史脉络
A synthesized event record across management commentary and recorded metrics. Read as context; verify exact wording in the transcript before relying.综合管理层表述与记录指标形成事件档案。仅供参考；使用前请在电话会原文中核对准确措辞。
Live company record实时公司记录
JavaScript loads the source-bounded event record here. Open Terminal if the live module does not start.JavaScript 会在此加载受来源约束的事件记录。如实时模块未启动，请打开终端。
Continue with full transcript history继续查看完整电话会历史 ↗Pressure context压力背景
History mode历史模式
Context only仅供参考 · not a signal or recommendation不构成信号或建议
Narrative claims may await line-level citation; verify in the transcript.叙述性内容可能仍待逐行引用，请在电话会原文中核对。
Price chart价格图表
daily · interactive日线 · 可交互
Open in Terminal打开终端 ↗
Loading chart…图表加载中…
The interactive chart could not load here.互动图表暂时无法在此加载。
Open the live chart in Terminal在终端中打开实时图表 ↗
Candles, volume and moving averages — pan and zoom inside the chart.蜡烛图、成交量与均线 — 图内可缩放拖动。
MMastermind Terminal — live & interactiveMastermind 终端 — 实时互动 ↗
Technicals技术面
daily bars日线数据 · 2026-09-14
Momentum (RSI 14)动量（RSI 14）
56
Neutral zone中性区域
vs 50-day average相对50日均线
+6.5% above上方
Uptrend intact趋势完好
vs 200-day average相对200日均线
+1.1% above上方
Long trend up长期向上
Volatility波动率
38th percentile第38百分位
These readings feed the stance at the top — one source per number, refreshed nightly.以上读数构成页首的引擎立场 — 每个数字只有一个来源，每晚更新。
Earnings财务业绩
next report下次财报 2026-11-0451
Estimates being cut预期下调
Beat in 3 of last 4 quarters近 4 季中 3 季超预期
EPS surprise vs consensus, last quarters每股收益相对预期的超预期幅度（近几个季度） · average平均 20.6%
Valuation估值
Looks cheap vs sector相对行业偏便宜| Multiple指标 | NAVI | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/B市净率 | 0.37x | 1.51 | |
| Earnings yield盈利收益率 | -8.93% | 6.74 | |
| Shareholder yield股东收益率 | 19.43% | 3.92 |
"Cheaper than" = share of sector peers trading richer on that multiple.「相对便宜」= 行业中该指标估值更高的同行占比。
Financials财务数据
fiscal years财年Revenue营业收入
$271.0M2024
20202025
Earnings per share每股收益
$-0.812025
20202025
Balance-sheet quality财务体质 2/5
Return on equity股本回报率 -3%
Watch关注
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%
Debt coming due到期债务
SEC filingsSEC 文件We do not have an SEC filing record for this listing.我们目前没有该证券的 SEC 备案记录。
This panel only reads filings an issuer makes with the SEC, and this listing has not been matched to one.本面板仅读取发行人向 SEC 提交的文件，该证券尚未匹配到对应的备案主体。
Research context only — reported figures from SEC filings, not a rating, a signal or investment advice.仅供研究参考 — 数据摘自 SEC 文件披露口径，不构成评级、信号或投资建议。
Why is it moving为何波动
6 checks · nightly六项检查 · 每晚
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 reclaimed its 200-day averageNAVI 收复200日均线
Signal history信号历史
engine events引擎事件
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS. Late in the daily cycle (day 23 of ~23-44) — odds favor a dip into the next cycle low from here even with the trend intact止盈。处于日线周期晚期（约 23-44 天中的第 23 天）——即便趋势完好，从此处概率上仍倾向于回落至下一个周期低点
Sep 11, 2026
NAVI reclaimed its 200-day averageNAVI 收复200日均线
Price closed back above the 200-day moving average — the classic bull dividing line. $9.42.收盘重回200日均线 — 经典的多头分界线。$9.42。
Sep 11, 2026
NAVI took relative-strength leadershipNAVI 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $9.42.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$9.42。
Sep 10, 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. $9.15.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$9.15。
Sep 9, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Sep 9, 2026
NAVI lost its 200-day averageNAVI 跌破200日均线
Price closed below the 200-day moving average — the classic bear dividing line. $9.28.收盘跌破200日均线 — 经典的空头分界线。$9.28。
Sep 8, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Sep 4, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Sep 4, 2026
NAVI reclaimed its 200-day averageNAVI 收复200日均线
Price closed back above the 200-day moving average — the classic bull dividing line. $9.63.收盘重回200日均线 — 经典的多头分界线。$9.63。
Sep 4, 2026
NAVI took relative-strength leadershipNAVI 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $9.63.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$9.63。
Sep 3, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Sep 3, 2026
NAVI lost its 200-day averageNAVI 跌破200日均线
Price closed below the 200-day moving average — the classic bear dividing line. $9.32.收盘跌破200日均线 — 经典的空头分界线。$9.32。
Sep 2, 2026
NAVI reclaimed its 200-day averageNAVI 收复200日均线
Price closed back above the 200-day moving average — the classic bull dividing line. $9.40.收盘重回200日均线 — 经典的多头分界线。$9.40。
Sep 2, 2026
NAVI took relative-strength leadershipNAVI 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $9.40.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$9.40。
Showing the last 15 of显示最近15条，共 288 signals条信号
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.Navient Corporation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Sallie Mae拆分为两个独立实体（Sallie Mae Bank和Navient）而成立。
Style DNA — how it trades vs the market风格基因 — 相对市场的交易特征
Value价值
Above market高于市场
Quality质量
Below market低于市场
Investment资本投入
Above market高于市场
Shareholder payout股东回报
Above market高于市场
Low volatility低波动
Below market低于市场
Low market beta低市场敏感度
Below market低于市场
Earnings quality盈利质量
Above market高于市场
Short interest空头兴趣
Above market高于市场
The whole US universe — S&P 1500 and Russell 2000 — read nightly.覆盖标普1500与罗素2000全部成分股 — 每晚更新解读。
Signals, options positioning, smart-money moves and factor DNA — the same engine that wrote this page covers 2,700+ US stocks.信号、期权持仓、聪明钱动向与因子基因 — 撰写本页的引擎覆盖2700多只美股。
Statistics — full detail统计数据 — 完整明细
Valuation vs sector估值对比行业
| Multiple指标 | This stock本股 | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| Price / Book市净率 | 0.4× | 1.5× | 99% |
| Earnings yield盈利收益率 | -8.9% | 6.7% | 2% |
| Free-cash-flow yield自由现金流收益率 | 49.2% | 8.4% | 99% |
| Shareholder yield股东综合回报率 | 19.4% | 3.9% | 99% |
Relative strength相对强度
vs market, 1 month相对大盘（1个月）
10/100 — weaker than most弱于多数
vs market, 3 months相对大盘（3个月）
86/100 — stronger than most强于多数
vs market, 6 months相对大盘（6个月）
66/100 — middle of the pack居中
vs market, 12 months相对大盘（12个月）
15/100 — weaker than most弱于多数
Rank in sector行业内排名
#241 / 261
0–100 percentile of total return vs all covered stocks.总回报在全部覆盖股票中的百分位（0–100）。
Price history价格历史
| Period周期 | This stock本股 | S&P 500标普500 |
|---|---|---|
| 1 Week近1周 | -2.2% | -0.8% |
| 1 Month近1月 | +8.4% | -1.1% |
| 3 Months近3月 | +18.2% | +3.3% |
| 6 Months近6月 | +18.3% | +15.7% |
| Year to date年初至今 | -23.3% | +12.2% |
| 1 Year近1年 | -24.7% | +17.2% |
| 3 Years近3年 | -37.6% | +77.4% |
Trading information交易信息
Beta vs market贝塔
0.66
Volatility rank波动率分位
38th pctile
Short interest空头占比
12.0% of float
Market cap市值
$900M
EPS (trailing)每股收益
$-0.84
Off 52-week high距52周高点
-26.2%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Financials — full detail财务数据 — 完整明细
Multi-year record多年财务记录
| 20202020 | 20212021 | 20222022 | 20232023 | 20242024 | 20252025 | |
|---|---|---|---|---|---|---|
| Revenue营业收入 | $388M | $507M | $332M | $321M | $271M | — |
| EPS每股收益 | $2.12 | $4.18 | $4.49 | $1.85 | $1.18 | $-0.81 |
| Free cash flow自由现金流 | — | — | — | — | — | — |
| Gross margin毛利率 | — | — | — | — | — | — |
| Net margin净利率 | 106.2% | 141.4% | 194.3% | 71.0% | 48.3% | — |
| FCF margin自由现金流利润率 | — | — | — | — | — | — |
Latest fiscal year最近财年
Net income净利润
$-80M
Operating cash flow经营现金流
$441M
Total assets总资产
$48.7B
Shareholder equity股东权益
$2.4B
Dividends paid股息支出
$63M
Buybacks股票回购
$111M
Shares outstanding总股本
0.10B
Returns & growth回报与增长
Return on equity股本回报率
-3.3%
Return on assets资产回报率
-0.2%
Profit growth利润增速
-161.1%
Asset growth资产增速
-6.0%
Accounting quality checks会计质量检查
- Earnings quality: accruals elevated vs peers (earnings lean on non-cash items)盈利质量：应计利润高于同业（盈利依赖非现金项目）
- Capital discipline: disciplined growth, returning cash资本纪律：增长克制、回报股东
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Technicals — full detail技术面 — 完整明细
Indicator readings指标读数
RSI (14-day)RSI（14日）
56
RSI (2-day)RSI（2日）
68
vs 20-day average相对20日均线
+2.0%
vs 50-day average相对50日均线
+6.5%
vs 200-day average相对200日均线
+1.1%
Golden cross (50>200)金叉（50>200）
not in effect未生效
MACDMACD
below signal位于信号线下方
Timeframe alignment多周期共振
Daily日线
momentum down — fresh downturn动能向下——刚刚转弱
3-day3日线
momentum up动能向上
Weekly周线
momentum up动能向上
When daily through monthly point the same way, moves carry further.当日线到月线方向一致时，行情往往更有延续性。
Volatility regime波动状态
Range width percentile波幅宽度分位
13/100
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Earnings — full detail财务业绩 — 完整明细
Surprise history超预期历史
| Quarter季度 | Reported实际 | Expected预期 | Surprise超预期 |
|---|---|---|---|
| Mar 2026 | $0.20 | $0.17 | +17.6% |
| Dec 2025 | $0.39 | $0.31 | +25.8% |
| Sep 2025 | $0.29 | $0.18 | +61.1% |
| Jun 2025 | $0.21 | $0.27 | -22.2% |
Estimate revisions预期修正
Analysts covering覆盖分析师
5
Estimate direction预期调整方向
mostly cutting多数下调
Estimate change, 90 days预期变化（90天）
+2.2%
Net upgrades, 30 days净上调（30天）
-1
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Ownership — full detail持仓 — 完整明细
Insiders & shorts内部人与空头
Short interest空头占流通盘
12.0%
Days to cover回补天数
11.7
Short interest change空头变化
+4.2%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Seasonality — full detail季节性 — 完整明细
Strongest month最强月份
Nov · 100%
Weakest month最弱月份
Oct · 0%
Month by month逐月统计
| Month月份 | Closed higher收涨占比 | Median move中位涨跌 | Years年数 |
|---|---|---|---|
| Jan1月 | 33% | -7.5% | 3 |
| Feb2月 | 33% | -4.4% | 3 |
| Mar3月 | 33% | -5.2% | 3 |
| Apr4月 | 33% | -0.2% | 3 |
| May5月 | 67% | +0.6% | 3 |
| Jun6月 | 67% | +2.5% | 3 |
| Jul7月 | 33% | -1.0% | 3 |
| Aug8月 | 75% | +6.0% | 4 |
| Sep9月 | 25% | -2.2% | 4 |
| Oct10月 | 0% | -7.5% | 3 |
| Nov11月 | 100% | +8.8% | 3 |
| Dec12月 | 67% | +6.2% | 3 |
History is a tendency, not a promise — small samples wobble.历史规律只是倾向而非保证 — 样本少时波动大。
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。