Editor's Note: Any reference to TheStreet Ratings and its underlying recommendation does not reflect the opinion of TheStreet, Inc. or any of its contributors including Jim Cramer or Stephanie Link. All three major indices are trading down today with the Dow Jones Industrial Average ( ^DJI) trading down 17 points (-0.1%) at 17,039 as of Tuesday, July 15, 2014, 12:55 PM ET. The NYSE advances/declines ratio sits at 915 issues advancing vs. 2,069 declining with 174 unchanged. The Financial Services industry currently sits down 0.2% versus the S&P 500, which is down 0.3%. A company within the industry that fell today was Western Union ( WU), up 1.2%. Top gainers within the industry include Orix ( IX), up 2.0%, CIT Group ( CIT), up 1.6%, MasterCard ( MA), up 1.2%, Bank of New York Mellon ( BK), up 0.9% and Goldman Sachs Group ( GS), up 0.8%. TheStreet would like to highlight 3 stocks pushing the industry lower today: 3. Navient ( NAVI) is one of the companies pushing the Financial Services industry lower today. As of noon trading, Navient is down $0.23 (-1.3%) to $17.77 on light volume. Thus far, 1.2 million shares of Navient exchanged hands as compared to its average daily volume of 3.7 million shares. The stock has ranged in price between $17.76-$18.09 after having opened the day at $17.99 as compared to the previous trading day's close of $18.00. Navient Corporation provides financial products and services focusing on the education sector. The company's Consumer Lending segment originates, acquires, finances, and services private education loans. Navient has a market cap of $7.6 billion and is part of the financial sector. Shares are unchanged year-to-date as of the close of trading on Monday. Currently there are 3 analysts that rate Navient a buy, no analysts rate it a sell, and 1 rates it a hold. TheStreet Ratings rates Navient as a sell. The company's weaknesses can be seen in multiple areas, such as its unimpressive growth in net income, generally high debt management risk, disappointing return on equity, generally disappointing historical performance in the stock itself and feeble growth in its earnings per share. Get the full Navient Ratings Report now. STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.