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Navient (NAVI)
NASDAQ:NAVI
NAVI Stock Chart & Stats
$9.81
-$0.26(-1.94%)
At close: 4:00 PM EST
$9.81
-$0.26(-1.94%)
Day’s Range― - ―
52-Week Range$9.35 - $16.07
Previous CloseN/A
Volume120.39K
Average Volume (3M)980.76K
Market Cap
$956.54M
Enterprise Value$44.56B
Total Cash (Recent Filing)$571.00M
Total Debt (Recent Filing)$46.38B
Price to Earnings (P/E)―
Beta0.99
Next Earnings
Apr 28, 2026EPS Estimate
0.17Next Dividend Ex-DateN/A
Dividend Yield4.95%
Share Statistics
EPS (TTM)0.02
Shares Outstanding97,506,710
10 Day Avg. Volume1,222,272
30 Day Avg. Volume980,763
Financial Highlights & Ratios
PEG Ratio-0.31
Price to Book (P/B)0.55
Price to Sales (P/S)0.34
P/FCF Ratio3.16
Enterprise Value/Market Cap46.58
Enterprise Value/Revenue13.06
Enterprise Value/Gross Profit100.36
Enterprise Value/Ebitda-578.68
Forecast
1Y Price Target
$11.17Price Target Upside13.86% Upside
Rating ConsensusModerate Sell
Number of Analyst Covering6
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Customer Monetization And Cross-sellA strategic shift to monetize customers over their lifetime through cross-selling of new credit products could raise customer lifetime value and diversify revenue streams.
Originations MomentumStrong originations growth led by refinance and in-school loan activity, plus initial uptake of a new personal loan product, could support higher revenue and scale lending operations.
Total Addressable MarketCompany projects the Earnest business could address a large market opportunity, up to $100 billion by 2028, highlighting substantial long-term growth potential for the unit.
Bears Say
Capital And Reserve RequirementsExpansion into higher-risk products such as Grad PLUS and broader personal loans may require elevated capital reserves and could create capital drag until an originate-to-sell model is implemented.
Credit Quality And ProvisionsRising delinquencies in the legacy loan portfolio have driven higher loan loss provisions, which are weighing on earnings and constraining margin improvement.
Investment-driven Earnings PressurePlanned growth investments in 2026, including marketing and upfront origination costs, are expected to temporarily reduce profitability as the business scales.
Navient News
NAVI FAQ
What was Navient’s price range in the past 12 months?
Navient lowest stock price was $9.35 and its highest was $16.07 in the past 12 months.
What is Navient’s market cap?
Navient’s market cap is $956.54M.
When is Navient’s upcoming earnings report date?
Navient’s upcoming earnings report date is Apr 28, 2026 which is in 86 days.
How were Navient’s earnings last quarter?
Navient released its earnings results on Jan 28, 2026. The company reported $0.02 earnings per share for the quarter, missing the consensus estimate of $0.314 by -$0.294.
Is Navient overvalued?
According to Wall Street analysts Navient’s price is currently Undervalued.
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 0.17.
How many shares outstanding does Navient have?
Navient has 97,506,710 shares outstanding.
What happened to Navient’s price movement after its last earnings report?
Navient reported an EPS of $0.02 in its last earnings report, missing expectations of $0.314. Following the earnings report the stock price went down -18.522%.
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
Underperform
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Analyst Consensus
Moderate Sell
Average Price Target:
$11.17 (13.86% Upside)
$11.17 (13.86% Upside)
Blogger Sentiment
Bullish
NAVI Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 32.6K Shares
Last Quarter.
Last Quarter.
News Sentiment
Bearish
Bullish news 31%
Bearish news 69%
Bearish news 69%
Technicals
SMA
Negative
20 days / 200 days
Momentum
2.40%
12-Months-Change
Fundamentals
Return on Equity
-1.95%
Trailing 12-Months
Asset Growth
-7.74%
Trailing 12-Months
Company Description
Navient
Navient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing and asset recovery services on its own loan portfolio, as well as asset recovery services on FFELP loans owned by other institutions. It also owns, originates, acquires, and services refinance and in-school private education loans; and offers healthcare services that include revenue cycle outsourcing, accounts receivable management, extended business office support, consulting engagement, and public health programs, as well as business processing services to state governments, agencies, court systems, municipalities, and parking and tolling authorities. In addition, the company provides customizable solutions for its clients that include hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments; and corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware.
NAVI Company Deck
NAVI Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted strong operational progress: substantial and sustained expense reductions, clear capital efficiency gains from securitization, robust origination momentum at Earnest (refi doubled, in-school at record levels), and an ambitious 2026 originations and EPS outlook. Offsetting these positives are credit deterioration and higher provisions in the private legacy portfolio that materially pressured reported 2025 earnings, modest restructuring charges, and FFELP prepayment headwinds. Management portrays the provisions as largely limited to older legacy loans and emphasizes that expense reductions and securitization-driven capital efficiency position the company to fund growth and return capital. On balance, the operational and growth positives and the clear path to improved 2026 profitability modestly outweigh the near-term earnings headwinds from legacy credit provisions.View all NAVI earnings summariesNAVI Stock 12 Month Forecast
Average Price Target
$11.17
▲(13.86% Upside)
Technical Analysis
Ownership Overview
1.95% Insiders
20.88% Mutual Funds
0.18% Other Institutional Investors
49.65% Public Companies and
Individual Investors