Navient (NAVI)
NASDAQ:NAVI
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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$7.80 - $16.07
Previous CloseN/A
Volume120.39K
Average Volume (3M)980.76K
Market Cap
$820.53M
Enterprise Value$45.38B
Total Cash (Recent Filing)$621.00M
Total Debt (Recent Filing)$45.18B
Price to Earnings (P/E)11.4
Beta1.10
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 Cap55.31
Enterprise Value/Revenue14.82
Enterprise Value/Gross Profit49.54
Enterprise Value/Ebitda85.30
Forecast
1Y Price Target
$8.75Price Target Upside-1.35% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering6
EPS Forecast (FY)0.71
Revenue Forecast (FY)$613.01M
Bulls Say, Bears Say
Bulls Say
Leadership AppointmentAnalyst highlights that appointment of activist investor Edward Bramson as CEO could accelerate an operational turnaround given his track record guiding restructurings.
Originations MomentumAnalyst notes originations momentum led by growth in refinance and in-school loans supports revenue growth and improved scale in core lending operations.
Product ExpansionAnalyst points out that contribution from the new personal loan product indicates successful product expansion that may broaden the customer base and diversify lending revenue.
Bears Say
Credit Quality DeteriorationAnalyst stresses that rising delinquencies in the legacy loan portfolio and increased loan loss provisions have pressured profitability and could lead to further reserve builds.
Governance ConcentrationAnalyst warns that concentrated shareholder influence from Bramson raises governance concerns that could complicate strategic decision making and increase investor uncertainty.
Investment And Cost PressuresAnalyst anticipates planned growth investments and higher operating expenses, including upfront marketing and origination costs, will weigh on near-term earnings while the company scales.
Navient News
NAVI FAQ
What was Navient’s price range in the past 12 months?
Navient lowest stock price was $7.80 and its highest was $16.07 in the past 12 months.
What is Navient’s market cap?
Navient’s market cap is $820.53M.
When is Navient’s upcoming earnings report date?
Navient’s upcoming earnings report date is Jul 28, 2026 which is in 81 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
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Analyst Consensus
Moderate Sell
Average Price Target:
$8.75 (-1.35% Downside)
$8.75 (-1.35% Downside)
Blogger Sentiment
Bullish
NAVI Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 74.2K 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
-2.45%
Trailing 12-Months
Asset Growth
-5.78%
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
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
$8.75
▼(-1.35% Downside)
Technical Analysis
Ownership Overview
1.30% Insiders
20.69% Mutual Funds
32.64% Other Institutional Investors
18.47% Public Companies and
Individual Investors