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Navient (CH:10D)
:10D

Navient (10D) Price & Analysis

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10D Stock Chart & Stats

Currently, no data available
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Bulls Say, Bears Say

Bulls Say
Origination GrowthRapid origination growth expands Navient’s future earning-asset base and demonstrates continued borrower demand across refinancing and in-school lending. If management sustains this trajectory, higher volumes can support revenue growth and improve operating leverage over the next several quarters.
Operating EfficiencyLower operating costs improve the profitability of each serviced or originated account and provide greater resilience if revenue remains uneven. Maintaining the reduced expense base would strengthen operating leverage, support earnings conversion, and create more capacity for growth investment.
Credit QualityThe strong credit profile of new refinance borrowers supports more disciplined portfolio growth and may limit expected losses relative to weaker-credit lending. This underwriting mix can improve the durability of interest income and reduce the amount of capital consumed by credit deterioration.
Bears Say
High LeverageElevated leverage leaves Navient with limited financial flexibility and makes balance-sheet performance more sensitive to credit losses, funding costs, and portfolio runoff. Even with positive cash generation, the current capacity for meaningful deleveraging remains constrained over the medium term.
Weak Earnings ProfileDeclining revenue and a shift from prior profitability to net losses indicate that Navient’s earnings base remains unstable despite positive EBIT. Continued bottom-line weakness could restrict capital generation, reduce financial flexibility, and make growth more dependent on successful execution.
Legacy Private Portfolio RiskThe reserve build and planned disposition of legacy private loans show that the older portfolio still creates credit and accounting volatility. Further deterioration or valuation changes could require additional provisions, pressure earnings, and complicate the transition toward newer originations.

Navient News

10D FAQ

What was Navient’s price range in the past 12 months?
Currently, no data Available
What is Navient’s market cap?
Navient’s market cap is CHF723.65M.
    When is Navient’s upcoming earnings report date?
    Navient’s upcoming earnings report date is Nov 04, 2026 which is in 22 days.
      How were Navient’s earnings last quarter?
      Navient released its earnings results on Aug 06, 2026. The company reported CHF0.242 earnings per share for the quarter, beating the consensus estimate of CHF0.167 by CHF0.074.
        Is Navient overvalued?
        According to Wall Street analysts Navient’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
          Does Navient pay dividends?
          Navient does not currently pay dividends.
          What is Navient’s EPS estimate?
          Navient’s EPS estimate is 0.11.
            How many shares outstanding does Navient have?
            Currently, no data Available
            What happened to Navient’s price movement after its last earnings report?
            Navient reported an EPS of CHF0.242 in its last earnings report, beating expectations of CHF0.167. Following the earnings report the stock price went same N/A.
              Which hedge fund is a major shareholder of Navient?
              Currently, no hedge funds are holding shares in CH:10D
              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

                Company Description

                Navient

                Navient Corporation specializes in managing education loans and delivering comprehensive business processing services. Its clientele spans the education, healthcare, and government sectors, serving federal, state, and local entities across the United States. The company's operations are divided into three primary segments: Federal Education Loans, Consumer Lending, and Business Processing. Within its Federal Education Loans segment, Navient holds Federal Family Education Loan Program (FFELP) loans, which are backed by state or non-profit agency guarantees. This division also handles the servicing and recovery of its own loan assets, alongside offering asset recovery solutions for FFELP loans held by other organizations. Its Consumer Lending activities involve the ownership, origination, acquisition, and ongoing servicing of private education loans, including both in-school financing and refinancing options. The Business Processing segment extends to various healthcare services, encompassing outsourced revenue cycle management, accounts receivable administration, supplementary business office support, consulting, and public health program management. Furthermore, it provides tailored business processing solutions to state governments, their agencies, judicial systems, local municipalities, and authorities overseeing parking and toll collection. These customizable offerings serve a diverse range of clients, such as hospitals, healthcare networks, medical centers, large physician practices, other healthcare providers, and public health departments. Navient also manages corporate liquidity portfolios. Established in 1973, Navient Corporation maintains its headquarters in Wilmington, Delaware.

                Navient (10D) Earnings & Revenues

                10D Company Deck

                10D Earnings Call

                Q2 2026
                0:00 / 0:00
                Earnings Call Sentiment|Positive
                The call emphasized multiple positive operational and strategic trends: strong originations growth (>60% YoY), improved operating leverage (18% lower operating expenses YoY), higher core EPS (core EPS $0.29; $0.25 ex-items vs $0.20 prior year), strengthened capital activity (securitizations, $500M debt issuance) and improving federal credit metrics. Offsetting these positives were notable reserve builds and accounting/portfolio changes tied to the legacy private loan book (a $23M reserve build, $528M reclassified held-for-sale and $19M allowance reallocation), modest regulatory and restructuring costs, and a slight decline in FFELP segment income. Overall, the positive momentum in growth, expense reduction and capital actions appears to outweigh the headwinds from legacy portfolio reserve adjustments and one-time expenses.View all CH:10D earnings summaries

                10D Stock 12 Month Forecast

                Average Price Target

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