Education
About Us
Working with TipRanks
Follow Us
Navient Corporation (NAVI)
:NAVI
NAVI Stock Chart & Stats
$11.46
-$0.26(-1.94%)
At close: 4:00 PM EST
$11.46
-$0.26(-1.94%)
Day’s Range― - ―
52-Week Range$10.53 - $16.07
Previous CloseN/A
Volume120.39K
Average Volume (3M)700.25K
Market Cap
$1.11B
Enterprise Value$45.75B
Total Cash (Recent Filing)$571.00M
Total Debt (Recent Filing)$46.38B
Price to Earnings (P/E)―
Beta0.98
Next Earnings
Jan 27, 2026EPS Estimate
0.31Last Dividend Ex-Date
Sep 05, 2025Dividend Yield5.24%
Share Statistics
EPS (TTM)-0.84
Shares Outstanding97,506,710
10 Day Avg. Volume622,294
30 Day Avg. Volume700,253
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 Cap41.38
Enterprise Value/Revenue13.41
Enterprise Value/Gross Profit103.04
Enterprise Value/Ebitda-594.16
Forecast
1Y Price Target
$12.17Price Target Upside6.20% Upside
Rating ConsensusModerate Sell
Number of Analyst Covering6
EPS Forecast (FY)0.12
Revenue Forecast (FY)$670.58M
Bulls Say, Bears Say
Bulls Say
Financial PerformanceNet interest income was higher than expected, and the company benefited from an improved FFELP loan spread due to reduced premium amortization from lower prepayment assumptions.
Market ExpansionNavient plans to expand into additional credit products, which could include personal loans where it already has underwriting expertise.
Market PositionEarnest, a part of Navient, has a strong position in the graduate private in-school loan market with an estimated 20% market share.
Bears Say
Capital RequirementsPersonal loan reserves and capital requirements are likely to be higher than the current student loan refinance.
Credit Loss ProvisionsProvisions for credit losses increased substantially, driven by revised assumptions, higher expected charge-offs, and elevated delinquencies, particularly affecting the legacy in-school loan portfolio.
Earnings ImpactThe company's earnings per share were significantly lower than expected due to large provisions related to changes in assumptions about prepayment and default rates, as well as worsening macroeconomic conditions.
Navient News
NAVI FAQ
What was Navient Corporation’s price range in the past 12 months?
Navient Corporation lowest stock price was $10.53 and its highest was $16.07 in the past 12 months.
What is Navient Corporation’s market cap?
Navient Corporation’s market cap is $1.11B.
When is Navient Corporation’s upcoming earnings report date?
Navient Corporation’s upcoming earnings report date is Jan 27, 2026 which is in 68 days.
How were Navient Corporation’s earnings last quarter?
Navient Corporation 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 Corporation overvalued?
According to Wall Street analysts Navient Corporation’s price is currently Undervalued.
Does Navient Corporation pay dividends?
Navient Corporation pays a Quarterly dividend of $0.16 which represents an annual dividend yield of 5.24%. See more information on Navient Corporation dividends here
What is Navient Corporation’s EPS estimate?
Navient Corporation’s EPS estimate is 0.31.
How many shares outstanding does Navient Corporation have?
Navient Corporation has 97,506,710 shares outstanding.
What happened to Navient Corporation’s price movement after its last earnings report?
Navient Corporation 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 -9.815%.
Which hedge fund is a major shareholder of Navient Corporation?
Currently, no hedge funds are holding shares in NAVI
Navient Stock Smart Score
Underperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Sell
Average Price Target:
$12.17 (6.20% Upside)
$12.17 (6.20% Upside)
Blogger Sentiment
Bullish
NAVI Sentiment 70%
Sector Average 68%
Sector Average 68%
News Sentiment
Very Bearish
Bullish news 19%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-18.83%
12-Months-Change
Fundamentals
Return on Equity
-1.95%
Trailing 12-Months
Asset Growth
-7.74%
Trailing 12-Months
Company Description
Navient Corporation
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
$12.17
▲(6.20% Upside)
Technical Analysis
Ownership Overview
1.96% Insiders
22.00% Mutual Funds
43.30% Other Institutional Investors
4.53% Public Companies and
Individual Investors