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Navient (NAVI)
NASDAQ:NAVI
NAVI Stock Chart & Stats
$13.12
-$0.26(-1.94%)
At close: 4:00 PM EST
$13.12
-$0.26(-1.94%)
Day’s Range― - ―
52-Week Range$10.53 - $16.07
Previous CloseN/A
Volume120.39K
Average Volume (3M)980.76K
Market Cap
$1.28B
Enterprise Value$45.75B
Total Cash (Recent Filing)$571.00M
Total Debt (Recent Filing)$46.38B
Price to Earnings (P/E)―
Beta0.97
Next Earnings
Jan 27, 2026EPS Estimate
0.31Next Dividend Ex-DateN/A
Dividend Yield4.95%
Share Statistics
EPS (TTM)-0.84
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 Cap35.76
Enterprise Value/Revenue13.41
Enterprise Value/Gross Profit103.04
Enterprise Value/Ebitda-594.16
Forecast
1Y Price Target
$13.00Price Target Upside-0.91% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering7
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Customer GrowthNavient expects to add more than 40,000 Earnest customers in 2026, which could broaden the base for fee income and cross-selling opportunities.
Market OpportunityNavient projects a $100 billion total addressable market for the Earnest business by 2028, indicating substantial long-term expansion potential in student and personal lending.
Product MonetizationA strategic push to monetize customer lifetime value through cross-selling and launching personal loans could raise revenue per customer and diversify revenue streams beyond refinancing.
Bears Say
Capital RequirementsExpansion into Grad PLUS and additional personal loan products is likely to require substantial capital reserves, which could weaken tangible common equity metrics and limit balance-sheet flexibility.
Credit ProvisionsHigher provisions for credit losses and increased expected charge-offs stemming from revised prepayment and default assumptions could significantly reduce reported earnings and pressure capital.
Growth Costs And Earnings PressureAccelerating loan growth without a developed loan-sale channel will incur significant upfront costs and could depress returns and earnings per share.
Navient News
NAVI FAQ
What was Navient’s price range in the past 12 months?
Navient lowest stock price was $10.53 and its highest was $16.07 in the past 12 months.
What is Navient’s market cap?
Navient’s market cap is $1.28B.
When is Navient’s upcoming earnings report date?
Navient’s upcoming earnings report date is Jan 27, 2026 which is in 16 days.
How were Navient’s earnings last quarter?
Navient released its earnings results on Oct 29, 2025. The company reported -$0.84 earnings per share for the quarter, missing the consensus estimate of $0.178 by -$1.018.
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 0.31.
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 -$0.84 in its last earnings report, missing expectations of $0.178. Following the earnings report the stock price went down -9.789%.
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
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Analyst Consensus
Moderate Sell
Average Price Target:
$13.00 (-0.91% Downside)
$13.00 (-0.91% Downside)
Blogger Sentiment
Bullish
NAVI Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 32.6K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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
Q3 2025
0:00 / 0:00
Earnings Call Sentiment|Neutral
Despite significant achievements in loan origination growth, expense reduction, and cash flow projections, the company's financial performance was negatively impacted by a core loss per share, elevated delinquency rates, high provision expenses, and macroeconomic uncertainties. The highlights and lowlights are relatively balanced, with substantial positive developments countered by significant financial challenges.View all NAVI earnings summariesNAVI Stock 12 Month Forecast
Average Price Target
$13.00
▼(-0.91% Downside)
Technical Analysis
Ownership Overview
1.96% Insiders
21.13% Mutual Funds
43.64% Other Institutional Investors
5.23% Public Companies and
Individual Investors