Navient (NAVI)
NASDAQ:NAVI
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 - $16.07
Previous CloseN/A
Volume120.39K
Average Volume (3M)980.76K
Market Cap
$760.37M
Enterprise Value$45.31B
Total Cash (Recent Filing)$621.00M
Total Debt (Recent Filing)$45.18B
Price to Earnings (P/E)―
Beta1.14
Next Earnings
Jul 28, 2026EPS Estimate
0.2Next 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 Cap59.59
Enterprise Value/Revenue14.80
Enterprise Value/Gross Profit49.47
Enterprise Value/Ebitda85.17
Forecast
1Y Price Target
$8.70Price Target Upside-1.92% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering5
EPS Forecast (FY)0.72
Revenue Forecast (FY)$596.02M
Bulls Say, Bears Say
Bulls Say
Strong Originations And High-quality Refinance BookSustained >60% origination growth and consistently high refi credit quality (avg FICO 775) indicate scalable loan production and favorable borrower mix. Over 10 quarters of refi growth suggest durable franchise momentum that should support interest and fee income while containing credit costs.
Material Expense Reductions And Strong Operating ProfitabilityA 30% YoY cut in core OpEx and a healthy EBIT margin demonstrate structural cost discipline and efficient core operations. Durable expense control improves cash generation, funds investment or capital return, and provides a buffer if revenue growth moderates.
Demonstrated Funding Access And Capital Market ExecutionRepeated successful securitizations and a $500M fixed-rate notes issuance show diversified, reliable funding channels and investor demand. Locked-in long-term funding reduces rollover risk and supports balance-sheet planning through strategic transformation and peak origination seasons.
Bears Say
Historically Extremely High LeverageVery high historical debt-to-equity constrained flexibility and magnified sensitivity to funding costs and credit volatility. While recent deleveraging is directionally positive, the prior leverage history and relatively small equity base leave limited shock absorption and slow de-risking.
Net Losses And Deteriorating Bottom‑line ProfitabilityTransition to net losses despite positive operating margins implies below-the-line pressures (interest, provisions or nonrecurring items) eroding returns. Persistent losses reduce retained capital, hinder rebuilding equity, and complicate efforts to materially de-risk leverage and sustain shareholder returns.
Elevated Legacy Credit And Near‑term Refinancing RiskHigher legacy delinquencies and charge-offs create earnings and provision volatility and slow balance-sheet repair. Coupled with an imminent unsecured maturity, this elevates refinancing risk and potential funding cost pressure, making capital planning and liquidity management structurally important.
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 $16.07 in the past 12 months.
What is Navient’s market cap?
Navient’s market cap is $760.37M.
When is Navient’s upcoming earnings report date?
Navient’s upcoming earnings report date is Jul 28, 2026 which is in 37 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 0.2.
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
Underperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Sell
Average Price Target:
$8.70 (-1.92% Downside)
$8.70 (-1.92% Downside)
Blogger Sentiment
Bullish
NAVI Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 631.5K Shares
Last Quarter.
Last Quarter.
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 Company Deck
NAVI Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a predominantly positive operational and financial picture: strong origination growth (refi +65% YoY), improving credit metrics, meaningful expense reductions (OpEx down 30% YoY) and successful securitizations with strong investor demand. This momentum is balanced against some remaining challenges — elevated legacy delinquency/charge-off levels (above historical norms), provisions related to recent natural-disaster losses, a slight decline in federal segment net income, and a near-term unsecured maturity. Management reiterated guidance and highlighted strategic progress and capital flexibility. On balance, the positives (growth, credit improvement, expense discipline, funding success) meaningfully outweigh the negatives.View all NAVI earnings summariesNAVI Stock 12 Month Forecast
Average Price Target
$8.70
▼(-1.92% Downside)
Technical Analysis
Ownership Overview
1.34% Insiders
20.42% Mutual Funds
― Other Institutional Investors
52.02% Public Companies and
Individual Investors