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Friday 6 November 2026 Export NAVI’s income statement to Excel — free account

Navient Holdings, Inc.

NAVI Financial Credit Services

Navient Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.2 billion, down 27.7% from fiscal 2024.

Revenue
−11.9%
EPS
+92.9%
Free cash flow
+13.5%
Total debt
−5.25%

Quarter to June 2026, against a year earlier

8.46 0.36 −4.08%
Market cap
$827.2M
P/E
0.0×
Fwd P/E
12.1×
Dividend yield
7.22%
F-score
3/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 2.00%

Capital & Financial Ratios $m

Size
Market Cap 827.17
Revenue ttm 2,991.00
Net income ttm (49.00)
Free cash flow ttm 340.00
Net debt Q 37,984.00
Valuation
P/E 0.00
Forward P/E 12.10
Price / sales 0.28
Forward P/S Powerpack
Price / FCF 2.45
Price / book 0.35
Financial health
Current ratio Q 10.53
Debt / equity Q 16.73
Interest coverage Q —
Growth
Revenue growth Q −11.91% (below 0%: shrinking)
Operating income growth Q +133.33% (above 0%: growing)
EPS, this year +285.76% (at or above 15%: strong)
EPS, next year A +27.22% (at or above 15%: strong)
Revenue, next year A −83.87% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A −10.96% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 5.32%
10-year low 10-year high
P/B against its own 10 years 3.67%
10-year low 10-year high

Dividends

Yield
7.22%
Annual rate
0.64
Payout ratio
—
Growth, 2017–25
0.00%/yr
  1. 0.64 ’17
  2. 0.64 ’18 +0
  3. 0.64 ’19 +0
  4. 0.64 ’20 +0
  5. 0.64 ’21 +0
  6. 0.64 ’22 +0
  7. 0.64 ’23 +0
  8. 0.64 ’24 +0
  9. 0.64 ’25 +0
  10. 0.64 ’26e +0
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 2,793 2,103 2,104 2,139
Receivables — — — —
Inventory — — — —
Other — — — —
57,620 48,671 45,696 44,388
2023 2024 2025 Q'26
Payables — — — —
ST’ Debt — — — —
Other — — — —
4,226 5,134 5,073 4,214

Compound Annual Growth %

10y 5y 3y
Sales (4.74%) (3.01%) (5.90%)
Cash Flow (13.63%) (14.88%) 13.08%
Earnings 0.00% 0.00% 0.00%
Book Value (4.82%) (0.40%) (6.94%)

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 0.19 Actual 0.29

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY25 0.18 0.29 Beat by 0.11
Q4 FY25 0.31 0.39 Beat by 0.08
Q1 FY26 0.17 0.20 Beat by 0.03
Q2 FY26 0.19 0.29 Beat by 0.10
Q3 FY26 0.15 — Reports 4 November 2026

EPS $

Mar Jun Sep Dec Year
’26 0.17 0.26 — — —
’25 (0.02) 0.13 (0.87) (0.06) (0.81)
’24 0.64 0.32 (0.02) 0.22 1.18
’23 0.86 0.52 0.65 (0.25) 1.85
’22 1.67 1.22 0.75 0.78 4.49
’21 2.00 1.05 1.04 (0.07) 4.18
’20 (0.53) 0.64 1.07 0.99 2.12
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 716 710 — — —
’25 828 806 800 765 3,199
’24 1,162 1,090 1,224 949 4,425
’23 1,159 1,226 1,301 1,142 4,828
’22 849 826 1,031 1,133 3,839
’21 996 837 820 801 3,454
’20 939 952 938 899 3,728
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (47) 143 — — —
’25 71 126 70 174 441
’24 182 279 (10) 8 459
’23 145 99 122 310 676
’22 (109) 139 68 207 305
’21 179 154 201 168 702
’20 453 142 221 171 987
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (47) 143 — — —
’25 71 126 70 174 441
’24 182 279 (10) 8 459
’23 145 99 122 310 676
’22 (109) 139 68 207 305
’21 179 154 201 168 702
’20 453 142 221 171 987
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 4,965 5,179 5,610 5,529 3,728 3,454 3,839 4,828 4,425 3,199 2,991 (4.8%) 516 550 664 (40.8%)
Gross margin, % 50.84 42.63 34.62 36.91 45.12 61.90 45.25 26.33 26.03 19.07 20.06 (31.8) pt
EBT 1,108 764 528 763 532 936 827 313 174 (111) (53) n/m
EBT margin, % 22.32 14.75 9.41 13.80 14.27 27.10 21.54 6.48 3.93 (3.47) (1.77) (25.8) pt
Net income 681 292 395 597 412 717 645 228 131 (80) (49) n/m
Per share, $
Per share, $ Revenue 15.71 18.83 21.58 24.04 19.32 20.32 27.04 39.57 40.60 32.31 31.82 +8.3%
Earnings 2.15 1.06 1.52 2.59 2.12 4.23 4.54 1.87 1.20 (0.81) (0.49) n/m
Cash flow 4.26 4.21 4.38 4.43 5.11 4.13 2.15 5.54 4.21 4.45 3.62 +0.5%
Capex 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 n/m
Free cash flow 4.26 4.21 4.38 4.43 5.11 4.13 2.15 5.54 4.21 4.45 3.62 +0.5%
Book value 11.78 12.67 13.64 14.56 12.68 15.34 20.96 22.62 24.23 24.23 25.51 +8.3%
Shares, m 316 275 260 230 193 170 142 122 109 99 97 (12.1%)
Valuation, ×
Valuation, × P/E 7.77 13.11 5.83 5.28 4.50 5.24 3.71 10.27 11.26 0.00 0.00 6.7
P/S 1.06 0.72 0.41 0.57 0.51 1.04 0.61 0.47 0.33 0.40 0.28 0.6
P/B 1.41 1.08 0.65 0.94 0.77 1.38 0.79 0.82 0.55 0.54 0.35 0.9
EV/Sales 22.71 20.10 16.14 14.66 20.30 21.57 15.26 10.95 9.61 12.45 — 16.4
EV/FCF 83.72 89.91 79.43 79.57 76.69 106.15 192.02 78.20 92.66 90.29 — 96.9
Cash, $m
Cash, $m Operating cash flow 1,347 1,158 1,140 1,019 987 702 305 676 459 441 340 (11.7%)
Capex — — — — — — — — — — — —
Free cash flow 1,347 1,158 1,140 1,019 987 702 305 676 459 441 340 (11.7%)
Balance, $m
Balance, $m Working capital 113,589 104,997 94,338 82,118 76,287 73,900 61,187 53,394 43,537 40,623 40,174 (10.8%)
Net debt 107,515 100,366 88,257 77,934 73,795 70,910 56,219 50,609 41,081 38,529 37,984 (10.8%)
Shareholders’ equity 3,723 3,485 3,547 3,349 2,447 2,608 2,977 2,760 2,641 2,399 2,398 (4.8%)
Returns, %
Returns, % ROA 0.53 0.25 0.36 0.60 0.45 0.85 0.85 0.35 0.23 (0.16) (0.10) (0.7) pt
ROIC 0.62 0.48 0.37 0.59 0.44 0.82 0.91 0.40 0.30 (0.14) (0.11) (0.8) pt
ROE 17.79 8.10 11.23 17.31 14.22 28.37 23.10 7.95 4.85 (3.17) (2.02) (21.0) pt
People
People Employees 6,773 6,700 6,500 5,800 5,560 4,330 4,000 4,500 2,100 670 — (22.7%)
Revenue/emp, $m 0.73 0.77 0.86 0.95 0.67 0.80 0.96 1.07 2.11 4.77 — +23.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Navient Holdings, Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
JCAP Jefferson Capital, Inc. $1.2B 8.5× 7.0× +16.26% (above 0%: growing) −96.40% (below 0%: shrinking) −45.57% (below 0%: shrinking) 63.06% 45.87% Compare
NAVI Navient Holdings, Inc. $827.2M — (loss-making) 12.1× −11.91% (below 0%: shrinking) +92.86% (above 0%: growing) +13.49% (above 0%: growing) 21.13% 0.00%
PRAA PRA Group, Inc. $768.8M — (loss-making) 5.9× +29.37% (above 0%: growing) +40.74% (above 0%: growing) −172.63% (below 0%: shrinking) 100.00% 41.19% Compare
LU Lufax Holding Ltd. Sponsored ADR $723.6M — (loss-making) — (loss-making) +12.08% (above 0%: growing) n/m −108.45% (below 0%: shrinking) 100.00% 63.39% Compare
GDOT Green Dot Corporation $708.9M — (loss-making) 58.6× +18.19% (above 0%: growing) n/m +61.21% (above 0%: growing) 100.00% (0.13%) Compare
WRLD World Acceptance Corporation $673.1M 13.9× 12.7× +3.53% (above 0%: growing) n/m +9.97% (above 0%: growing) 100.00% 16.75% Compare
QFIN Qfin Holdings Inc. - Sponsored ADR $665.6M 1.3× 2.1× −27.81% (below 0%: shrinking) −72.53% (below 0%: shrinking) −55.53% (below 0%: shrinking) 81.04% 36.17% Compare
OPFI OppFi Inc. $534.3M 2.7× 3.3× −11.29% (below 0%: shrinking) −72.30% (below 0%: shrinking) −18.42% (below 0%: shrinking) 85.94% 0.00% Compare
OPRT Oportun Financial Corporation $533.5M 15.3× 10.1× +3.18% (above 0%: growing) +327.27% (above 0%: growing) +21.79% (above 0%: growing) 83.30% 0.00% Compare
Median of peers $691.0M 8.5× 7.0× +7.81% −72.30% −31.99% 92.97% 26.46%

All 53 Credit Services stocks →

Pay and ownership Proxy statement filed 16 April 2026

Ownership

Directors and executive officers, together 33.80%
Sherborne Investors Management LP 31.30%
Edward Bramson 31.30%
40 East 12.35%
Building One 10.61%
The Vanguard Group, Inc. 8.03%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Navient Holdings, Inc. (NAVI) Latest News

4 Nov

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30 Oct

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26 May

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1 May

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30 Apr

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stockrow.com/NAVI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com