Want to see NAVI full AI Analyst Report?
NAVI Stock Chart & Stats
$8.87
-$0.26(-1.94%)
At close: 4:00 PM EST
$8.87
-$0.26(-1.94%)
Day’s Range― - ―
52-Week Range$7.33 - $15.51
Previous CloseN/A
Volume120.39K
Average Volume (3M)980.76K
Market Cap
$774.47M
Enterprise Value$45.31B
Total Cash (Recent Filing)$621.00M
Total Debt (Recent Filing)$45.18B
Price to Earnings (P/E)―
Beta1.08
Next Earnings
Aug 06, 2026EPS Estimate
0.19Next Dividend Ex-DateN/A
Dividend Yield4.95%
Share Statistics
EPS (TTM)-0.61
Shares Outstanding93,989,420
10 Day Avg. Volume1,222,272
30 Day Avg. Volume980,763
Financial Highlights & Ratios
PEG Ratio0.10
Price to Book (P/B)0.54
Price to Sales (P/S)0.40
P/FCF Ratio2.92
Enterprise Value/Market Cap58.50
Enterprise Value/Revenue14.80
Enterprise Value/Gross Profit49.47
Enterprise Value/Ebitda85.17
Forecast
1Y Price Target
$8.40Price Target Upside-5.30% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering5
EPS Forecast (FY)0.7
Revenue Forecast (FY)$594.67M
Bulls Say, Bears Say
Bulls Say
Originations Growth & Credit QualitySustained origination growth, especially high‑FICO refinance volume (average FICO 775), indicates scalable new business with low credit risk. Durable originations expand interest income and fee streams and provide recurring asset flow that supports revenue and securitization capacity over the medium term.
OpEx Reduction & Structural EfficiencyA 30% YoY reduction in core operating expenses reflects structural cost discipline and completed Phase 1 actions. Lower fixed costs improve operating leverage, making margins more resilient to revenue swings and freeing cash to support deleveraging, strategic investments, or shareholder returns over coming quarters.
Positive Operating Cash Flow And FCFConsistent positive operating cash flow and meaningful FCF provide a durable liquidity cushion despite accounting losses. FCF supports funding for securitizations, debt servicing, buybacks/dividends and gradual balance-sheet repair, improving optionality and resiliency across a 2–6 month horizon and beyond.
Bears Say
High Historical LeverageExtremely high historical debt-to-equity materially limits financial flexibility and elevates refinancing and interest‑rate risk. Even with recent TTM improvement, equity is small relative to assets, so adverse funding or higher rates could quickly strain liquidity and constrain strategic choices over the medium term.
Net Losses And Profitability PressureTransition to net losses and narrowing revenue undermines capacity to rebuild capital through retained earnings. Although EBIT margins remain positive, below‑the‑line items and negative ROE reduce internal capital generation, limiting reinvestment and making balance‑sheet repair more dependent on external funding or slower cash conversion.
Elevated Legacy Credit & Near‑term Funding RiskPersistently elevated legacy delinquency and associated provisions keep credit costs higher and compress net income volatility. Coupled with an imminent unsecured maturity, this creates structural pressure: credit losses weaken capital buffers while refinancing needs raise execution risk and potential funding cost volatility in the medium term.
Navient News
NAVI FAQ
What was Navient’s price range in the past 12 months?
Navient lowest stock price was $7.33 and its highest was $15.51 in the past 12 months.
What is Navient’s market cap?
Navient’s market cap is $774.47M.
When is Navient’s upcoming earnings report date?
Navient’s upcoming earnings report date is Aug 06, 2026 which is in 24 days.
How were Navient’s earnings last quarter?
Navient released its earnings results on Apr 29, 2026. The company reported $0.2 earnings per share for the quarter, beating the consensus estimate of $0.16 by $0.04.
Is Navient overvalued?
According to Wall Street analysts Navient’s price is currently Overvalued.
Does Navient pay dividends?
Navient pays a Quarterly dividend of $0.16 which represents an annual dividend yield of 4.95%. See more information on Navient dividends here
What is Navient’s EPS estimate?
Navient’s EPS estimate is 0.19.
How many shares outstanding does Navient have?
Navient has 93,989,420 shares outstanding.
What happened to Navient’s price movement after its last earnings report?
Navient reported an EPS of $0.2 in its last earnings report, beating expectations of $0.16. Following the earnings report the stock price went up 3.708%.
Which hedge fund is a major shareholder of Navient?
Currently, no hedge funds are holding shares in NAVI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Navient Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Sell
Average Price Target:
$8.40 (-5.30% Downside)
$8.40 (-5.30% Downside)
Blogger Sentiment
Bullish
NAVI Sentiment 100%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Increased
By 631.5K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Negative
20 days / 200 days
Momentum
2.40%
12-Months-Change
Fundamentals
Return on Equity
-2.45%
Trailing 12-Months
Asset Growth
-5.78%
Trailing 12-Months
Company Description
Navient
Navient Corporation specializes in managing education loans and delivering comprehensive business processing services. Its clientele spans the education, healthcare, and government sectors, serving federal, state, and local entities across the United States. The company's operations are divided into three primary segments: Federal Education Loans, Consumer Lending, and Business Processing. Within its Federal Education Loans segment, Navient holds Federal Family Education Loan Program (FFELP) loans, which are backed by state or non-profit agency guarantees. This division also handles the servicing and recovery of its own loan assets, alongside offering asset recovery solutions for FFELP loans held by other organizations. Its Consumer Lending activities involve the ownership, origination, acquisition, and ongoing servicing of private education loans, including both in-school financing and refinancing options. The Business Processing segment extends to various healthcare services, encompassing outsourced revenue cycle management, accounts receivable administration, supplementary business office support, consulting, and public health program management. Furthermore, it provides tailored business processing solutions to state governments, their agencies, judicial systems, local municipalities, and authorities overseeing parking and toll collection. These customizable offerings serve a diverse range of clients, such as hospitals, healthcare networks, medical centers, large physician practices, other healthcare providers, and public health departments. Navient also manages corporate liquidity portfolios. Established in 1973, Navient Corporation maintains its headquarters in Wilmington, Delaware.
NAVI Stock 12 Month Forecast
Average Price Target
$8.40
▼(-5.30% Downside)
Technical Analysis
Ownership Overview
1.34% Insiders
19.76% Mutual Funds
0.04% Other Institutional Investors
53.34% Public Companies and
Individual Investors










