Navient Corporation NAVI
- Market cap
- $872.2M
- P/E
- 0.0×
Follow NAVI
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 8.20 | 11.48 | 8.23 | 8.64 | 4.07 | 9.87 | 12.45 | 14.10 | 12.78 | 10.53 |
Analyst estimates 2026–2028 Powerpack |
Low Price
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| 17.95 | 17.05 | 15.03 | 15.67 | 15.50 | 23.80 | 22.59 | 19.69 | 18.74 | 16.07 |
High Price
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| 6,773 | 6,700 | 6,500 | 5,800 | 5,560 | 4,330 | 4,000 | 4,500 | 2,100 | 670 |
Employees
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|||
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 5 |
Revenue/Emp
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|||
| 4,965 | 5,179 | 5,610 | 5,529 | 3,728 | 3,454 | 3,839 | 4,828 | 4,425 | 3,199 |
Revenue
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| 50.84% | 42.63% | 34.62% | 36.91% | 45.12% | 61.90% | 45.25% | 26.33% | 26.03% | 19.07% |
Gross Margin
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| 1,108 | 764 | 528 | 763 | 532 | 936 | 827 | 313 | 174 | (111) |
EBT
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| 22.32% | 14.75% | 9.41% | 13.80% | 14.27% | 27.10% | 21.54% | 6.48% | 3.93% | (3.47%) |
EBT Margin
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| 681 | 292 | 395 | 597 | 412 | 717 | 645 | 228 | 131 | (80) |
Net Income
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| 36 | 23 | 47 | 30 | 22 | 30 | 19 | 10 | 146 | 3 |
Depreciation
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|||
| 15.71 | 18.83 | 21.58 | 24.04 | 19.32 | 20.32 | 27.04 | 39.57 | 40.60 | 32.31 |
Revenue/Sh
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|||
| 2.15 | 1.06 | 1.52 | 2.59 | 2.12 | 4.23 | 4.54 | 1.87 | 1.20 | (0.81) |
Earnings/Sh
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|||
| 4.26 | 4.21 | 4.38 | 4.43 | 5.11 | 4.13 | 2.15 | 5.54 | 4.21 | 4.45 |
Cash Flow/Sh
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| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex/Sh
|
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| 4.26 | 4.21 | 4.38 | 4.43 | 5.11 | 4.13 | 2.15 | 5.54 | 4.21 | 4.45 |
Free CF/Sh
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| 11.78 | 12.67 | 13.64 | 14.56 | 12.68 | 15.34 | 20.96 | 22.62 | 24.23 | 24.23 |
Book Value/Sh
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|||
| 316 | 275 | 260 | 230 | 193 | 170 | 142 | 122 | 109 | 99 |
Shares
|
|||
| 7.77 | 13.11 | 5.83 | 5.28 | 4.50 | 5.24 | 3.71 | 10.27 | 11.26 | 0.00 |
PE Ratio
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|||
| 1.06 | 0.72 | 0.41 | 0.57 | 0.51 | 1.04 | 0.61 | 0.47 | 0.33 | 0.40 |
PS Ratio
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| 1.41 | 1.08 | 0.65 | 0.94 | 0.77 | 1.38 | 0.79 | 0.82 | 0.55 | 0.54 |
PB Ratio
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| 22.71 | 20.10 | 16.14 | 14.66 | 20.30 | 21.57 | 15.26 | 10.95 | 9.61 | 12.45 |
EV/Sales
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| 83.72 | 89.91 | 79.43 | 79.57 | 76.69 | 106.15 | 192.02 | 78.20 | 92.66 | 90.29 |
EV/FCF
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| 1,347 | 1,158 | 1,140 | 1,019 | 987 | 702 | 305 | 676 | 459 | 441 |
Op' Cash Flow
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| — | — | — | — | — | — | — | — | — | — | Capex | |||
| 1,347 | 1,158 | 1,140 | 1,019 | 987 | 702 | 305 | 676 | 459 | 441 |
FCF
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| 113,589 | 104,997 | 94,338 | 82,118 | 76,287 | 73,900 | 61,187 | 53,394 | 43,537 | 40,623 |
Working Cap'
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| 112,368 | 105,012 | 93,519 | 81,715 | 77,332 | 74,488 | 61,026 | 53,402 | 43,184 | 40,633 |
Total Debt
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| 107,515 | 100,366 | 88,257 | 77,934 | 73,795 | 70,910 | 56,219 | 50,609 | 41,081 | 38,529 |
Net Debt
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|||
| 3,723 | 3,485 | 3,547 | 3,349 | 2,447 | 2,608 | 2,977 | 2,760 | 2,641 | 2,399 |
Sh' Equity
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| 0.53% | 0.25% | 0.36% | 0.60% | 0.45% | 0.85% | 0.85% | 0.35% | 0.23% | (0.16%) |
ROA
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| 0.62% | 0.48% | 0.37% | 0.59% | 0.44% | 0.82% | 0.91% | 0.40% | 0.30% | (0.14%) |
ROIC
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| 17.79% | 8.10% | 11.23% | 17.31% | 14.22% | 28.37% | 23.10% | 7.95% | 4.85% | (3.17%) |
ROE
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Navient Corporation peers in Credit Services
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| QFIN Qfin Holdings Inc. - Sponsored ADR | $914.3M | 1.7× | Compare |
| WRLD World Acceptance Corporation | $796.2M | 20.3× | Compare |
| PRAA PRA Group, Inc. | $762.0M | 0.0× | Compare |
| GDOT Green Dot Corporation | $728.8M | 0.0× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| LU Lufax Holding Ltd. Sponsored ADR | $1.1B | 0.0× | Compare |
| JCAP Jefferson Capital, Inc. | $1.1B | 7.9× | Compare |
| ATLC Atlanticus Holdings Corporation | $1.4B | 9.6× | Compare |
| OPFI OppFi Inc. | $531.7M | 1.9× | Compare |
Navient Corporation (NAVI) key facts
- Navient Corporation (NAVI) is a Credit Services company in the Financial sector, listed on Nasdaq.
- Navient Corporation’s revenue for fiscal 2025 (year ended December 2025) was $3.2 billion, down 27.7% from fiscal 2024.
- Navient Corporation reported a net loss of $80.0 million, or a loss of $0.81 per share, for fiscal 2025.
- As of September 25, 2026, NAVI traded at $9.12, a market capitalization of $872.2 million.
- Trailing earnings are negative, so a P/E ratio is not meaningful; the stock trades at 0.3× sales.
- Navient Corporation pays an annual dividend of $0.64 per share, a yield of 3.97%, with a payout ratio of 21.5%.
- Return on equity was −3.17% and debt-to-equity 16.73.
Navient Corporation (NAVI) Latest News
27 Aug
Navient reported Q2 earnings, placed in context against peer consumer finance companies. Q2 earnings release and peer comparison can moderately shift near-term investor sentiment and valuation views on NAVI.
25 Aug
Navient reported Q2 earnings, triggering analysis on whether to buy, sell, or hold the stock amid updated financial metrics and outlook. Q2 earnings and related buy/sell/hold assessment can shift near-term investor views and trading in NAVI shares.
19 Aug
Navient pursues cost-cutting strategies to improve profitability. Navient cost reductions may moderately affect financial results and positioning.
13 Aug
Navient (NAVI) released its Q2 2026 earnings call transcript covering quarterly results, financial metrics, and management commentary on operations and outlook. Quarterly earnings details and guidance typically produce moderate short-term effects on stock price and sentiment.
11 Aug
Navient Q2 results highlight strategic transformation boosting margins despite ongoing market caution. Strategic transformation driving higher margins signals major operational shifts likely to alter financial trajectory and investor outlook.
7 Aug
Navient Corporation discussed Q2 2026 financial results and outlook during its earnings call. Earnings call details on financial performance and guidance directly drive NAVI stock movement and investor positioning.
Navient stock rises after Q2 earnings beat with year-over-year declines in expenses and provisions. Q2 earnings beat and lower expenses signal moderate positive effect on near-term stock performance without major strategic shifts.
6 Aug
Navient Corporation reported impressive Q2 CY2026 results. Impressive quarterly results point to stronger financial performance and positive shifts in investor sentiment.
Navient Corporation reported Q2 earnings that surpassed analyst estimates. Earnings beat provides positive signal for near-term financial results and investor sentiment.
Navient Corporation reported its second quarter 2026 financial results. Quarterly earnings releases update performance metrics that can shift near-term stock valuation.
Navient Corporation (NAVI) posted its second quarter 2026 financial results. Quarterly earnings releases typically move short-term sentiment without shifting long-term trajectory.
5 Aug
Navient Corporation leadership is executing strategies aimed at achieving a re-rating of the company. Leadership strategies at Navient target major shifts in market perception and company trajectory.
3 Aug
Navient Corporation is set to report Q2 earnings, with analysis focused on potential effects for the stock. Q2 earnings release may affect Navient stock price and investor sentiment in the near term.
30 Jul
Navient (NAVI) Q2 earnings are expected to decline. Projected Q2 earnings decline points to weaker financial results that could affect near-term stock performance.
26 May
Navient implements cost-cutting measures to offset revenue declines as part of its turnaround strategy. Cost reduction efforts target financial performance but face limits from revenue pressure without shifting overall trajectory.
3 May
Navient (NAVI)'s investment story shifts as analysts revise fair value estimates amid leadership changes. Leadership transitions and analyst fair value revisions represent major strategic and sentiment shifts for Navient.
1 May
Navient Corporation (NAVI) Q1 results feature product expansions and improving credit trends, positively shaping the company's future outlook. Product expansions and favorable credit trends represent major strategic advancements likely to significantly enhance NAVI's trajectory and investor sentiment.
30 Apr
Navient Corporation (NAVI) released the Q1 2026 earnings call transcript detailing financial results, management discussion, and forward guidance. Earnings transcripts disclose quarterly financials, strategic updates, and outlook that significantly sway stock performance and investor views.
Navient Corporation released Q1 2026 earnings call summary detailing financial results, operational updates, and future outlook. Quarterly earnings summaries reveal financial health and guidance impacting stock price and investor confidence.
Navient Corp (NAVI) Q1 2026 earnings call highlights strong refinance growth and improved performance. Strong refinance growth and improvements in Q1 2026 earnings indicate significant positive impact on financial performance and market trajectory.
29 Apr
Navient (NAVI) reported Q1 earnings, with key metrics indicating core operational performance and financial health. Q1 earnings reports directly shape investor sentiment, stock valuation, and future performance expectations for Navient.
Navient Corporation (NAVI) reported first-quarter earnings that surpassed analyst estimates. Topping Q1 earnings estimates signals robust financial performance likely to enhance investor sentiment and stock trajectory.
Navient (NASDAQ:NAVI) reports bullish Q1 CY2026 results. Bullish Q1 CY2026 results signal strong financial performance, likely driving significant positive shifts in investor sentiment and stock trajectory.
Navient Corporation released its first quarter 2026 financial results. Quarterly earnings reports directly shape investor perceptions of financial health and stock trajectory.
Navient Q1 earnings beat expectations with expenses and provisions falling year-over-year, but stock price declined. Earnings beat improves financial performance but stock drop tempers overall market impact.
28 Apr
Navient Corporation (NAVI) reports Q1 earnings tomorrow, spotlighting the event for investors. Q1 earnings release can drive major stock volatility and reshape investor expectations for Navient's trajectory.
27 Apr
Navient Corporation's Q1 earnings are expected to benefit from lower expenses and growth in fee income. Lower expenses and fee income growth will moderately enhance Q1 financial results without fundamentally altering long-term trajectory.
23 Apr
Navient (NAVI) is poised to beat earnings estimates again due to strong federal loan servicing revenues, consumer lending growth, and cost efficiencies. Anticipated earnings beat highlights solid financial momentum with moderate effects on performance and sentiment.
22 Apr
Analysts expect Navient (NAVI) to surpass earnings estimates, sparking debate on potential stock price gains amid strong fundamentals and favorable trends. Expected earnings beat highlights potential positive short-term impact on financial results and investor sentiment without fundamentally altering long-term trajectory.
21 Apr
Navient Corporation (NAVI) released its Q3 2025 earnings call transcript, detailing quarterly financial performance, management discussion, and forward-looking guidance. Q3 2025 earnings transcript delivers key financial results, operational updates, and outlook that significantly shape investor expectations and NAVI's market trajectory.