Symbols / NAVI Stock $8.89 -0.67% Navient Corporation

Financial Services • Credit Services • United States • NMS
NAVI (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. David L. Yowan
Exch · Country NMS · United States
Market Cap 845.35M
Enterprise Value 45.95B
Income -80.00M
Sales 330.00M
FCF (ttm) —
Book/sh 25.12
Cash/sh 7.14
Employees 670
Insider 10d —
IPO Apr 17, 2014
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 200.00%
P/E —
Forward P/E 9.54
PEG 0.13
P/S 2.56
P/B 0.35
P/C —
EV/EBITDA —
EV/Sales 139.25
Quick Ratio 8.95
Current Ratio 9.24
Debt/Eq 1,908.50
LT Debt/Eq —
EPS (ttm) -0.81
EPS next Y 0.93
EPS Growth —
Revenue Growth -54.90%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-04-29
Earnings (prior) 2026-01-28
ROA -0.16%
ROE -3.17%
ROIC —
Gross Margin 100.00%
Oper. Margin 4.30%
Profit Margin -24.24%
Shs Outstand 95.09M
Shs Float 63.05M
Insider Own 2.21%
Instit Own 102.11%
Short Float 45.26%
Short Ratio 9.61
Short Interest 9.02M
52W High 16.07
vs 52W High -44.68%
52W Low 7.80
vs 52W Low 13.95%
Beta 1.29
Impl. Vol. 36.47%
Rel Volume 0.73
Avg Volume 1.07M
Volume 784.45K
Target (mean) $8.81
Tgt Median $8.75
Tgt Low $7.00
Tgt High $13.00
# Analysts 8
Recom Hold
Prev Close $8.95
Price $8.89
Change -0.67%
About

Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand. It also owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$8.81
Mean price target
2. Current target
$8.89
Latest analyst target
3. DCF / Fair value
$8.81
Proxy: analyst mean price target (no FCF/EPS data available).
Ratings
Current target
$8.89
Low
$7.00
High
$13.00
Mean
$8.81

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-16 main Morgan Stanley Equal-Weight → Equal-Weight $9
2026-04-09 main JP Morgan Neutral → Neutral $9
2026-04-06 main Barclays Underweight → Underweight $7
2026-01-29 main Deutsche Bank Hold → Hold $9
2026-01-06 main Barclays Underweight → Underweight $11
2025-10-30 main JP Morgan Neutral → Neutral $13
2025-10-07 main JP Morgan Neutral → Neutral $14
2025-10-01 main Keefe, Bruyette & Woods Market Perform → Market Perform $15
2025-07-31 main Morgan Stanley Equal-Weight → Equal-Weight $14
2025-07-31 main Keefe, Bruyette & Woods Market Perform → Market Perform $15
2025-07-11 main JP Morgan Neutral → Neutral $16
2025-07-09 main Keefe, Bruyette & Woods Market Perform → Market Perform $17
2025-05-01 main JP Morgan Neutral → Neutral $13
2025-05-01 main TD Securities Sell → Sell $12
2025-04-21 main Jefferies Hold → Hold $12
2025-04-08 main JP Morgan Neutral → Neutral $11
2025-03-31 main Keefe, Bruyette & Woods Market Perform → Market Perform $14
2025-01-21 up Seaport Global Neutral → Buy $18
2025-01-14 main JP Morgan Neutral → Neutral $14
2024-12-24 main B of A Securities Neutral → Neutral $16
News
RSS: Latest NAVI news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-04 HAUBER STEPHEN M Chief Financial Officer — 73,444 $8.68 $637,494
2026-03-04 STANDISH TROY Chief Operating Officer — 51,843 $8.68 $449,997
2025-02-07 CABRAL ANNA ESCOBEDO Director — 10,309 $13.58 $139,996
2025-02-07 HAUBER STEPHEN M Officer — 64,089 $13.58 $870,329
2025-02-07 FISHER JOE Chief Financial Officer — 94,248 $12.96 $1,249,988
2025-02-07 LAWSON MICHAEL A. Director — 10,309 $13.58 $139,996
2025-02-07 STANDISH TROY Chief Operating Officer — 45,239 $13.58 $614,346
2025-02-07 ARNOLD FREDERICK Director — 10,309 $13.58 $139,996
2025-02-07 MILLS LINDA A Director — 17,673 $13.58 $239,999
2024-12-31 CABRAL ANNA ESCOBEDO Director — 11,691 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
610.00
-36.52%
961.00
-24.86%
1,279.00
-26.37%
1,737.00
Operating Revenue
610.00
-36.52%
961.00
-24.86%
1,279.00
-26.37%
1,737.00
Selling General And Administration
149.00
-52.85%
316.00
-21.20%
401.00
-9.68%
444.00
General And Administrative Expense
149.00
-52.85%
316.00
-21.20%
401.00
-9.68%
444.00
Salaries And Wages
149.00
-52.85%
316.00
-21.20%
401.00
-9.68%
444.00
Total Unusual Items
-50.00
-35.14%
-37.00
+13.95%
-43.00
+21.82%
-55.00
Total Unusual Items Excluding Goodwill
-50.00
-35.14%
-37.00
+13.95%
-43.00
+21.82%
-55.00
Special Income Charges
-50.00
-35.14%
-37.00
+13.95%
-43.00
+21.82%
-55.00
Other Special Charges
30.00
-30.23%
43.00
-41.10%
73.00
—
Impairment Of Capital Assets
3.00
-97.95%
146.00
+1360.00%
10.00
-47.37%
19.00
Restructuring And Mergern Acquisition
17.00
-56.41%
39.00
+56.00%
25.00
-30.56%
36.00
Net Income
-80.00
-161.07%
131.00
-42.54%
228.00
-64.65%
645.00
Pretax Income
-111.00
-163.79%
174.00
-44.41%
313.00
-62.15%
827.00
Net Interest Income
519.00
-3.17%
536.00
-37.82%
862.00
-23.10%
1,121.00
Interest Expense
2,589.00
-20.90%
3,273.00
-7.98%
3,557.00
+69.22%
2,102.00
Interest Income
3,108.00
-18.40%
3,809.00
-13.80%
4,419.00
+37.11%
3,223.00
Gain On Sale Of Security
-30.00
-142.86%
70.00
+536.36%
11.00
-93.57%
171.00
Gain On Sale Of Business
0.00
-100.00%
191.00
0.00
0.00
Tax Provision
-31.00
-172.09%
43.00
-49.41%
85.00
-53.30%
182.00
Tax Rate For Calcs
0.00
+13.01%
0.00
-8.81%
0.00
+23.18%
0.00
Tax Effect Of Unusual Items
-13.96
-52.72%
-9.14
+21.53%
-11.65
+3.69%
-12.10
Net Income Including Noncontrolling Interests
-80.00
-161.07%
131.00
-42.54%
228.00
-64.65%
645.00
Net Income From Continuing Operation Net Minority Interest
-80.00
-161.07%
131.00
-42.54%
228.00
-64.65%
645.00
Net Income From Continuing And Discontinued Operation
-80.00
-161.07%
131.00
-42.54%
228.00
-64.65%
645.00
Net Income Continuous Operations
-80.00
-161.07%
131.00
-42.54%
228.00
-64.65%
645.00
Normalized Income
-43.96
-127.68%
158.86
-38.75%
259.35
-62.30%
687.90
Net Income Common Stockholders
-80.00
-161.07%
131.00
-42.54%
228.00
-64.65%
645.00
Diluted EPS
-0.81
-168.64%
1.18
-36.22%
1.85
-58.80%
4.49
Basic EPS
-0.81
-167.50%
1.20
-35.83%
1.87
-58.81%
4.54
Basic Average Shares
98.77
-9.53%
109.17
-10.46%
121.93
-14.18%
142.07
Diluted Average Shares
99.00
-10.81%
111.00
-9.76%
123.00
-14.58%
144.00
Diluted NI Availto Com Stockholders
-80.00
-161.07%
131.00
-42.54%
228.00
-64.65%
645.00
Other Non Interest Expense
242.00
-24.61%
321.00
-19.55%
399.00
+20.18%
332.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
48,681.00
-6.00%
51,789.00
-15.62%
61,375.00
-13.31%
70,795.00
Cash And Cash Equivalents
637.00
-11.77%
722.00
-13.95%
839.00
-45.34%
1,535.00
Receivables
1,820.00
-4.31%
1,902.00
-17.45%
2,304.00
+2.58%
2,246.00
Accounts Receivable
1,670.00
-6.29%
1,782.00
-18.33%
2,182.00
+3.22%
2,114.00
Other Receivables
150.00
+25.00%
120.00
-1.64%
122.00
-7.58%
132.00
Net PPE
23.00
-55.77%
52.00
-16.13%
62.00
-16.22%
74.00
Goodwill And Other Intangible Assets
434.00
-0.69%
437.00
-37.12%
695.00
-1.42%
705.00
Goodwill
428.00
+0.00%
428.00
-36.12%
670.00
+0.00%
670.00
Other Intangible Assets
6.00
-33.33%
9.00
-64.00%
25.00
-28.57%
35.00
Investments And Advances
166.00
+16.08%
143.00
-2.05%
146.00
-12.57%
167.00
Total Liabilities Net Minority Interest
46,282.00
-5.83%
49,148.00
-16.15%
58,615.00
-13.57%
67,818.00
Current Debt And Capital Lease Obligation
4,270.00
+7.07%
3,988.00
-3.79%
4,145.00
-0.46%
4,164.00
Current Debt
4,270.00
+7.07%
3,988.00
-3.79%
4,145.00
-0.46%
4,164.00
Other Current Borrowings
160.00
+196.30%
54.00
-43.16%
95.00
-21.49%
121.00
Long Term Debt And Capital Lease Obligation
40,898.00
-6.88%
43,918.00
-17.38%
53,154.00
-14.86%
62,431.00
Long Term Debt
40,898.00
-6.88%
43,918.00
-17.38%
53,154.00
-14.86%
62,431.00
Stockholders Equity
2,399.00
-9.16%
2,641.00
-4.31%
2,760.00
-7.29%
2,977.00
Common Stock Equity
2,399.00
-9.16%
2,641.00
-4.31%
2,760.00
-7.29%
2,977.00
Capital Stock
4.00
+0.00%
4.00
+0.00%
4.00
+0.00%
4.00
Common Stock
4.00
+0.00%
4.00
+0.00%
4.00
+0.00%
4.00
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
466.67
+0.29%
465.31
+0.34%
463.72
+0.59%
461.00
Ordinary Shares Number
95.67
-7.14%
103.03
-9.23%
113.50
-12.69%
130.00
Treasury Shares Number
371.00
+2.41%
362.28
+3.45%
350.21
+5.80%
331.00
Additional Paid In Capital
3,403.00
+0.68%
3,380.00
+0.81%
3,353.00
+1.21%
3,313.00
Retained Earnings
4,552.00
-3.09%
4,697.00
+1.27%
4,638.00
+3.30%
4,490.00
Gains Losses Not Affecting Retained Earnings
2.00
-33.33%
3.00
-84.21%
19.00
-78.16%
87.00
Treasury Stock
5,562.00
+2.19%
5,443.00
+3.60%
5,254.00
+6.85%
4,917.00
Minority Interest
—
—
—
0.00
Total Equity Gross Minority Interest
2,399.00
-9.16%
2,641.00
-4.31%
2,760.00
-7.29%
2,977.00
Total Capitalization
43,297.00
-7.01%
46,559.00
-16.73%
55,914.00
-14.52%
65,408.00
Invested Capital
47,567.00
-5.90%
50,547.00
-15.84%
60,059.00
-13.67%
69,572.00
Total Debt
45,168.00
-5.72%
47,906.00
-16.39%
57,299.00
-13.96%
66,595.00
Net Debt
44,531.00
-5.62%
47,184.00
-16.43%
56,460.00
-13.22%
65,060.00
Net Tangible Assets
1,965.00
-10.84%
2,204.00
+6.73%
2,065.00
-9.11%
2,272.00
Tangible Book Value
1,965.00
-10.84%
2,204.00
+6.73%
2,065.00
-9.11%
2,272.00
Available For Sale Securities
166.00
+16.08%
143.00
-2.05%
146.00
-12.57%
167.00
Cash Cash Equivalents And Federal Funds Sold
2,104.00
+0.05%
2,103.00
-24.70%
2,793.00
-41.90%
4,807.00
Commercial Paper
4,110.00
+4.47%
3,934.00
-2.86%
4,050.00
+0.17%
4,043.00
Derivative Product Liabilities
-40.00
+88.47%
-347.00
-20.91%
-287.00
+42.60%
-500.00
Held To Maturity Securities
—
—
—
60.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
441.00
-3.92%
459.00
-32.10%
676.00
+121.64%
305.00
Cash Flow From Continuing Operating Activities
441.00
-3.92%
459.00
-32.10%
676.00
+121.64%
305.00
Net Income From Continuing Operations
-80.00
-161.07%
131.00
-42.54%
228.00
-64.65%
645.00
Stock Based Compensation
21.00
-8.70%
23.00
-4.17%
24.00
+26.32%
19.00
Asset Impairment Charge
3.00
-97.95%
146.00
+1360.00%
10.00
-47.37%
19.00
Operating Gains Losses
124.00
+174.70%
-166.00
-207.10%
155.00
+126.27%
-590.00
Change In Working Capital
93.00
-56.13%
212.00
+55.88%
136.00
+2.26%
133.00
Change In Receivables
76.00
-78.16%
348.00
+796.00%
-50.00
+65.99%
-147.00
Changes In Account Receivables
76.00
-78.16%
348.00
+796.00%
-50.00
+65.99%
-147.00
Change In Payables And Accrued Expense
-3.00
+90.32%
-31.00
-206.90%
29.00
-81.76%
159.00
Change In Payable
-3.00
+90.32%
-31.00
-206.90%
29.00
-81.76%
159.00
Change In Account Payable
-3.00
+90.32%
-31.00
-206.90%
29.00
-81.76%
159.00
Change In Other Current Assets
58.00
-36.26%
91.00
+75.00%
52.00
-86.56%
387.00
Change In Other Current Liabilities
-38.00
+80.61%
-196.00
-286.67%
105.00
+139.47%
-266.00
Investing Cash Flow
2,712.00
-67.97%
8,466.00
+15.07%
7,357.00
-30.50%
10,585.00
Cash Flow From Continuing Investing Activities
2,712.00
-67.97%
8,466.00
+15.07%
7,357.00
-30.50%
10,585.00
Net Business Purchase And Sale
25.00
-93.04%
359.00
0.00
0.00
Purchase Of Business
—
—
0.00
0.00
Gain Loss On Sale Of Business
0.00
+100.00%
-191.00
0.00
0.00
Net Other Investing Changes
-13.00
-116.67%
-6.00
-220.00%
5.00
-94.79%
96.00
Financing Cash Flow
-3,152.00
+67.22%
-9,615.00
+4.30%
-10,047.00
-4.00%
-9,661.00
Cash Flow From Continuing Financing Activities
-3,152.00
+67.22%
-9,615.00
+4.30%
-10,047.00
-4.00%
-9,661.00
Net Issuance Payments Of Debt
-3,066.00
+66.99%
-9,287.00
+2.84%
-9,558.00
-3.23%
-9,259.00
Issuance Of Debt
2,833.00
+156.15%
1,106.00
-53.02%
2,354.00
-29.46%
3,337.00
Repayment Of Debt
-5,899.00
+43.24%
-10,393.00
+12.75%
-11,912.00
+5.43%
-12,596.00
Long Term Debt Issuance
2,833.00
+156.15%
1,106.00
-53.02%
2,354.00
-29.46%
3,337.00
Long Term Debt Payments
-5,899.00
+43.24%
-10,393.00
+12.75%
-11,912.00
+5.43%
-12,596.00
Net Long Term Debt Issuance
-3,066.00
+66.99%
-9,287.00
+2.84%
-9,558.00
-3.23%
-9,259.00
Short Term Debt Payments
—
—
—
—
Net Short Term Debt Issuance
—
—
—
—
Net Common Stock Issuance
-111.00
+37.99%
-179.00
+42.26%
-310.00
+22.50%
-400.00
Common Stock Payments
-111.00
+37.99%
-179.00
+42.26%
-310.00
+22.50%
-400.00
Common Stock Dividend Paid
-63.00
+10.00%
-70.00
+10.26%
-78.00
+14.29%
-91.00
Cash Dividends Paid
-63.00
+10.00%
-70.00
+10.26%
-78.00
+14.29%
-91.00
Repurchase Of Capital Stock
-111.00
+37.99%
-179.00
+42.26%
-310.00
+22.50%
-400.00
Net Other Financing Charges
88.00
+211.39%
-79.00
+21.78%
-101.00
-213.48%
89.00
Changes In Cash
1.00
+100.14%
-690.00
+65.74%
-2,014.00
-263.87%
1,229.00
Beginning Cash Position
2,103.00
-24.70%
2,793.00
-41.90%
4,807.00
+34.35%
3,578.00
End Cash Position
2,104.00
+0.05%
2,103.00
-24.70%
2,793.00
-41.90%
4,807.00
Free Cash Flow
441.00
-3.92%
459.00
-32.10%
676.00
+121.64%
305.00
Interest Paid Supplemental Data
2,563.00
-20.85%
3,238.00
-5.63%
3,431.00
+80.20%
1,904.00
Income Tax Paid Supplemental Data
26.00
-31.58%
38.00
-33.33%
57.00
+90.00%
30.00
Sale Of Business
25.00
-93.04%
359.00
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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