Is NAVIENT CORP (NAVI) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 100.0% | |
| Operating Margin | 4.3% | |
| Net Margin | -24.2% | |
| Return on Equity (ROE) | -3.2% | |
| Return on Assets (ROA) | -0.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $441M |
| Free Cash Flow | $441M |
| Total Debt | $45.2B |
| Debt-to-Equity | 1908.5 |
| Current Ratio | 9.2 |
| Total Assets | $48.7B |
Price & Trading
| Last Close | $8.23 |
| 50-Day MA | $9.46 |
| 200-Day MA | $12.16 |
| Avg Volume | 1.0M |
| Beta | 1.3 |
|
52-Week Range
$7.86
| |
About NAVIENT CORP (NAVI)
Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand. It also owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.
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Frequently Asked Questions
Is NAVIENT CORP (NAVI) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), NAVIENT CORP is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is NAVIENT CORP's debt ratio?
NAVIENT CORP's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are NAVIENT CORP's key financial metrics?
NAVIENT CORP has a market capitalization of $767M, and revenue of $610M. The company maintains a gross margin of 100.0% and a net margin of -24.2%. Return on equity stands at -3.2%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.