Forum talk counts mentions of NAVI in popular online stock forums, a slice of the internet rather than all of it. Company lookups show interest in the company itself, which can come from news that isn't about the stock. Attention isn't quality.
Business quality
The checklist Warren Buffett-style investors use. Annual numbers for 2025.
2/5Weak
MissReturn on equity 15%+Earns a lot on the money owners have in the business.-3.2%
MissDebt under half of equityNot relying on borrowed money.16.94x equity
MissProfitable every yearSteady profits, not one good year.9 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$441.0M
PassShare count not growingNot diluting owners. Falling means buybacks.-31.2% in 3 years
Total debt
$40.6B
16.94x equity
Free cash flow
$441.0M
From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Aug 6
EPS
$0.26
vs $0.13
Free cash flow
$143.0M
Share count
-5.9%
vs a year ago
Insider rating
Last 90 days
No open-market insider buys or sells in the last 90 days.
Weekly insider trend
No trades to chart yet.
Filing buzz
Last 7 days vs normal
67/ 100
This week
1
Normal week
0.5
vs normal
2.0x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+4.2%
Institutions added 4.2% to their holdings. 138 bought, 109 sold. 2 quarters of net buying in a row.
Shares held by institutions98.5M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
-8.3%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
16.7x · $40.1B debt
Shares outstandingLatest reported
94M
Why elevated risk
Losing money, losses are large next to sales
High debt: 16.73x equity
Revenue down 15.6% from the year before
1 offering filing in 6 months (may sell new shares)
Earnings reports
Last 12
Next reportIn 0 days (est.)Estimated from the same quarter last year
Results filedAug 6
Results filedApr 29
Results filedJan 28
Results filedOct 29, 2025
Results filedJul 30, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days