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Navient Corporation

NAVI Financial Credit Services

Navient Corporation’s revenue for fiscal 2025 (year ended December 2025) was $3.2 billion, down 27.7% from fiscal 2024. In the quarter to June 2026, revenue fell 11.9%, EPS grew 92.9%, free cash flow grew 13.5% and total debt fell 5.25%, each against the same quarter a year earlier. Dividend growth for ten consecutive years.

9.28 0.28 −2.93%
Market cap
$896.6M
P/E
0.0×
Fwd P/E
10.6×
Dividend yield
6.90%
F-score
3/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 1.99%

Capital & Financial Ratios $m

Market Cap 896.58
Revenue 2,991.00
Net Income (49.00)
Free Cash Flow 340.00
Net Debt 37,984.00
Current Ratio 10.53
Debt/Equity 16.73
P/E ratio 0.00
Fwd P/E 10.60
P/S ratio 0.29
P/B ratio 0.36
Past 5Y EPS Growth —
This Y EPS Growth 331.22% (at or above 15%: strong)
Next Y EPS Growth 22.28% (at or above 15%: strong)
Next Y revenue growth (83.59%) (below 0%: weak)
Next 5Y EPS Growth (10.96%) (below 0%: weak)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 7.00%
10-year low 10-year high
P/B against its own 10 years 4.98%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate 0.64
Annual Dividend Yield 6.90%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.64
0.16
0.16
0.16
2025 0.64
0.16
0.16
0.16
0.16
2024 0.64
0.16
0.16
0.16
0.16
2023 0.64
0.16
0.16
0.16
0.16
2022 0.64
0.16
0.16
0.16
0.16
2021 0.64
0.16
0.16
0.16
0.16
2020 0.64
0.16
0.16
0.16
0.16
2019 0.64
0.16
0.16
0.16
0.16
2018 0.64
0.16
0.16
0.16
0.16
2017 0.64
0.16
0.16
0.16
0.16
2016 0.64
0.16
0.16
0.16
0.16
predictions special payouts not included in total or ratios

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%)

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

3.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 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
High 17.95 17.05 15.03 15.67 15.50 23.80 22.59 19.69 18.74 16.07
People
People Employees 6,773 6,700 6,500 5,800 5,560 4,330 4,000 4,500 2,100 670
Revenue/emp, $m 0.73 0.77 0.86 0.95 0.67 0.80 0.96 1.07 2.11 4.77
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
Gross margin, % 50.84 42.63 34.62 36.91 45.12 61.90 45.25 26.33 26.03 19.07
EBT 1,108 764 528 763 532 936 827 313 174 (111)
EBT margin, % 22.32 14.75 9.41 13.80 14.27 27.10 21.54 6.48 3.93 (3.47)
Net income 681 292 395 597 412 717 645 228 131 (80)
Depreciation 36 23 47 30 22 30 19 10 146 3
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
Earnings 2.15 1.06 1.52 2.59 2.12 4.23 4.54 1.87 1.20 (0.81)
Cash flow 4.26 4.21 4.38 4.43 5.11 4.13 2.15 5.54 4.21 4.45
Capex 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Free cash flow 4.26 4.21 4.38 4.43 5.11 4.13 2.15 5.54 4.21 4.45
Book value 11.78 12.67 13.64 14.56 12.68 15.34 20.96 22.62 24.23 24.23
Shares, m 316 275 260 230 193 170 142 122 109 99
Valuation, ×
Valuation, × P/E 7.77 13.11 5.83 5.28 4.50 5.24 3.71 10.27 11.26 0.00
P/S 1.06 0.72 0.41 0.57 0.51 1.04 0.61 0.47 0.33 0.40
P/B 1.41 1.08 0.65 0.94 0.77 1.38 0.79 0.82 0.55 0.54
EV/Sales 22.71 20.10 16.14 14.66 20.30 21.57 15.26 10.95 9.61 12.45
EV/FCF 83.72 89.91 79.43 79.57 76.69 106.15 192.02 78.20 92.66 90.29
Cash, $m
Cash, $m Operating cash flow 1,347 1,158 1,140 1,019 987 702 305 676 459 441
Capex — — — — — — — — — —
Free cash flow 1,347 1,158 1,140 1,019 987 702 305 676 459 441
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
Total debt 112,368 105,012 93,519 81,715 77,332 74,488 61,026 53,402 43,184 40,633
Net debt 107,515 100,366 88,257 77,934 73,795 70,910 56,219 50,609 41,081 38,529
Shareholders’ equity 3,723 3,485 3,547 3,349 2,447 2,608 2,977 2,760 2,641 2,399
Returns, %
Returns, % ROA 0.53 0.25 0.36 0.60 0.45 0.85 0.85 0.35 0.23 (0.16)
ROIC 0.62 0.48 0.37 0.59 0.44 0.82 0.91 0.40 0.30 (0.14)
ROE 17.79 8.10 11.23 17.31 14.22 28.37 23.10 7.95 4.85 (3.17)
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Navient Corporation 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
ATLC Atlanticus Holdings Corporation $1.4B 9.6× 8.8× +88.84% (above 0%: growing) +67.38% (above 0%: growing) +112.08% (above 0%: growing) 83.42% 0.00% Compare
JCAP Jefferson Capital, Inc. $1.2B 8.4× 6.3× +16.26% (above 0%: growing) −96.40% (below 0%: shrinking) −45.57% (below 0%: shrinking) 63.06% 45.87% Compare
NAVI Navient Corporation $896.6M — (loss-making) 10.6× −11.91% (below 0%: shrinking) +92.86% (above 0%: growing) +13.49% (above 0%: growing) 21.13% 0.00%
WRLD World Acceptance Corporation $803.8M 20.3× 15.2× +4.85% (above 0%: growing) +432.00% (above 0%: growing) +9.97% (above 0%: growing) 100.00% 13.88% Compare
PRAA PRA Group, Inc. $751.1M — (loss-making) 6.0× +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 $740.9M — (loss-making) 2.4× −4.84% (below 0%: shrinking) n/m −225.59% (below 0%: shrinking) 100.00% 68.30% Compare
QFIN Qfin Holdings Inc. - Sponsored ADR $709.5M 1.3× 3.6× −27.81% (below 0%: shrinking) −72.53% (below 0%: shrinking) −55.53% (below 0%: shrinking) 81.04% 36.17% Compare
GDOT Green Dot Corporation $698.6M — (loss-making) 11.6× +18.19% (above 0%: growing) n/m +61.21% (above 0%: growing) 100.00% (0.13%) Compare
OPFI OppFi Inc. $491.7M 1.7× 4.3× −14.04% (below 0%: shrinking) n/m −3.92% (below 0%: shrinking) 86.77% 37.69% Compare
Median of peers $746.0M 8.4× 6.1× +10.56% +40.74% −24.74% 93.39% 36.93%

All 55 Credit Services stocks →

Navient Corporation (NAVI) key facts

  • Concern: Navient Corporation’s revenue for fiscal 2025 (year ended December 2025) was $3.2 billion, down 27.7% from fiscal 2024.
  • Concern: Navient Corporation reported a net loss of $80.0 million, or a loss of $0.81 per share, for fiscal 2025.
  • Navient Corporation (NAVI) is a Credit Services company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, NAVI traded at $9.28, a market capitalization of $896.6 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 6.90%.
  • Return on equity was −3.17% and debt-to-equity 16.73.
  • Its Piotroski F-score is 3 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

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