Want to see NAVI full AI Analyst Report?
NAVI Stock Chart & Stats
$8.23
-$0.21(-2.49%)
At close: 4:00 PM EDT
$8.23
-$0.21(-2.49%)
Day’s Range― - ―
52-Week Range$7.33 - $13.87
Previous CloseN/A
Volume874.10K
Average Volume (3M)980.76K
Market Cap
$853.43M
Enterprise Value$43.01K
Total Cash (Recent Filing)$2.14B
Total Debt (Recent Filing)$44.34B
Price to Earnings (P/E)―
Beta1.10
Next Earnings
Oct 27, 2026EPS Estimate
0.08Next Dividend Ex-DateN/A
Dividend Yield6.77%
Share Statistics
EPS (TTM)-0.49
Shares Outstanding93,783,830
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$8.38Price Target Upside1.76% Upside
Rating ConsensusModerate Sell
Number of Analyst Covering5
EPS Forecast (FY)0.74
Revenue Forecast (FY)$586.49M
Bulls Say, Bears Say
Bulls Say
Origination Growth With Strong Borrower QualityRapid origination growth expands the earning-asset base, while high refinance credit quality and graduate-borrower concentration should support lower expected losses and more durable portfolio economics.
Structural Operating Efficiency ImprovementSustained cost discipline can improve operating leverage as originations grow. Lower expenses, alongside core EPS rising to $0.25 excluding items from $0.20, indicates better earnings conversion from the platform.
Consistent Positive Cash GenerationRecurring positive operating and free cash flow provides internal funding for debt service, portfolio investment and shareholder returns. Although modest relative to debt, this cash generation supports ongoing financial flexibility.
Bears Say
Revenue Contraction And Unstable ProfitabilityFalling revenue and a shift from prior profits to losses weaken the earnings base and reduce resilience. Positive EBIT shows the core engine remains viable, but bottom-line volatility could persist without renewed growth.
High Leverage Limits Financial FlexibilityHeavy reliance on debt increases refinancing and funding sensitivity and leaves less capacity to absorb credit losses or portfolio disruption. The sharp reported TTM improvement also creates uncertainty about balance-sheet comparability.
Legacy Private Portfolio Carries Credit And Runoff RiskReserve additions and asset-sale actions signal continuing uncertainty in the legacy private book. Credit reassessment, portfolio runoff and potential disposals may pressure earnings and reduce the scale of this revenue stream.
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 $13.87 in the past 12 months.
What is Navient’s market cap?
Navient’s market cap is $853.43M.
When is Navient’s upcoming earnings report date?
Navient’s upcoming earnings report date is Oct 27, 2026 which is in 65 days.
How were Navient’s earnings last quarter?
Navient released its earnings results on Aug 06, 2026. The company reported $0.29 earnings per share for the quarter, beating the consensus estimate of $0.201 by $0.089.
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 6.77%. See more information on Navient dividends here
What is Navient’s EPS estimate?
Navient’s EPS estimate is 0.08.
How many shares outstanding does Navient have?
Navient has 93,783,830 shares outstanding.
What happened to Navient’s price movement after its last earnings report?
Navient reported an EPS of $0.29 in its last earnings report, beating expectations of $0.201. Following the earnings report the stock price went down -4.32%.
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:
$8.38 (1.76% Upside)
$8.38 (1.76% Upside)
Blogger Sentiment
Bullish
NAVI Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 98.6K Shares
Last Quarter.
Last Quarter.
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
2.40%
12-Months-Change
Fundamentals
Return on Equity
6.77%
Trailing 12-Months
Asset Growth
-5.82%
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized multiple positive operational and strategic trends: strong originations growth (>60% YoY), improved operating leverage (18% lower operating expenses YoY), higher core EPS (core EPS $0.29; $0.25 ex-items vs $0.20 prior year), strengthened capital activity (securitizations, $500M debt issuance) and improving federal credit metrics. Offsetting these positives were notable reserve builds and accounting/portfolio changes tied to the legacy private loan book (a $23M reserve build, $528M reclassified held-for-sale and $19M allowance reallocation), modest regulatory and restructuring costs, and a slight decline in FFELP segment income. Overall, the positive momentum in growth, expense reduction and capital actions appears to outweigh the headwinds from legacy portfolio reserve adjustments and one-time expenses.View all NAVI earnings summariesNAVI Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
$8.38
▲(1.76% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
Ownership Overview
1.34% Insiders
19.80% Mutual Funds
43.68% Other Institutional Investors
10.71% Public Companies and
Individual Investors










