Navient Corp (NAVI) — Defensive Interval Ratio
Navient Corp (NAVI) has a Defensive Interval Ratio of 120 days as of December 2025. Defensive assets of $1.67 Billion (cash $-, short-term investments $-, receivables $1.67 Billion) cover 120 days of daily cash needs of $13.90 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Navient Corp Defensive Interval Ratio (2013–2025)
This chart shows how Navient Corp's Defensive Interval Ratio has evolved across 13 annual periods from 2013 to 2025. As of December 2025, the ratio stands at 120 days, meaning defensive assets of $1.67 Billion can fund 120 days of operations without new revenue. For the complete balance sheet picture, see Navient Corp (NAVI) total assets.
Annual Defensive Interval Ratio for Navient Corp (2013–2025)
The table below presents the year-by-year Defensive Interval Ratio for Navient Corp from 2013 to 2025, covering 13 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See Navient Corp working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 120 days | $1.67 Billion | $13.90 Million/day | $- | $- | ▼ -26 days |
| 2024 | 146 days | $1.90 Billion | $13.01 Million/day | $- | $- | ▲ +119 days |
| 2023 | 27 days | $350.00 Million | $13.04 Million/day | $- | $-1.95 Billion | ▼ -172 days |
| 2022 | 198 days | $2.70 Billion | $13.60 Million/day | $- | $452.00 Million | ▼ -78 days |
| 2021 | 276 days | $2.87 Billion | $10.39 Million/day | $- | $462.00 Million | ▲ +138 days |
| 2020 | 138 days | $2.50 Billion | $18.12 Million/day | $- | $- | ▲ +49 days |
| 2019 | 89 days | $2.33 Billion | $26.18 Million/day | $- | $- | ▼ -33 days |
| 2018 | 122 days | $2.83 Billion | $23.28 Million/day | $- | $470.00 Million | ▲ +47 days |
| 2017 | 75 days | $2.46 Billion | $32.83 Million/day | $- | $2.00 Million | ▲ +10 days |
| 2016 | 65 days | $2.49 Billion | $38.52 Million/day | $- | $3.00 Million | ▲ +5 days |
| 2015 | 60 days | $2.92 Billion | $48.62 Million/day | $- | $5.00 Million | ▼ -21 days |
| 2014 | 81 days | $3.77 Billion | $46.43 Million/day | $- | $6.00 Million | ▼ 0 days |
| 2013 | 82 days | $4.45 Billion | $54.54 Million/day | $- | $109.00 Million | — |