Confident Investing Starts With TipRanks Premium

Get 55% Off
TipRanks
Go Ultimate55% OFF

Navient (NAVI) Stock Price & Analysis

NAVI Stock Chart & Stats

No data to display
Day’s Range
N/A
52-Week Range
N/A
Previous Close
N/A
Volume
N/A
Average Volume (3M)
N/A
Market Cap
CHF 719.39M
Enterprise Value
CHF 43.01B
Total Cash (Recent Filing)
CHF 2.14B
Total Debt (Recent Filing)
CHF 44.34B
Price to Earnings (P/E)
―
Beta
N/A
Next Earnings
Nov 04, 2026 (Est.)
EPS Estimate
0.1
Next Dividend Ex-Date
N/A
Dividend Yield
N/A

Bulls Say, Bears Say

Bulls Say

Origination Growth

Originations increased more than 60% year over year, indicating stronger demand and expanding loan production. Sustained volume growth can support future interest income, servicing activity, and securitization opportunities, improving the platform’s earnings base if credit standards remain disciplined.

Operating Efficiency

Lower operating expenses show meaningful progress in efficiency and operating leverage. If management maintains the $350M-or-lower annual expense target while growing originations, a greater share of revenue can flow through to earnings and help offset pressure from legacy portfolio runoff.

Cash Generation

Positive operating and free cash flow across every period provides an internal funding source for debt service, portfolio investment, and shareholder distributions. Although coverage is not sufficient to remove balance-sheet concerns, consistent cash generation supports resilience and gives management capital allocation flexibility.

Bears Say

Profitability Deterioration

Revenue contraction and a shift from positive earnings to a net loss weaken the company’s current earnings profile. The positive EBIT margin shows that the operating engine remains active, but unstable bottom-line results reduce retained capital and make future shareholder returns more dependent on recovery.

Elevated Leverage

Historically very high debt relative to equity leaves Navient more exposed to portfolio losses, funding costs, and downturns than a lightly levered business. Limited cash-flow coverage of debt constrains deleveraging capacity and reduces financial flexibility for growth or unexpected credit pressure.

Legacy Portfolio Risk

The reserve build and held-for-sale reclassification show continuing complexity in the legacy private-loan portfolio. Further changes in credit assumptions or portfolio strategy could create earnings volatility, consume capital, and distract management while newer origination growth is being developed.

Navient News

NAVI FAQ

What is Navient’s market cap?
Navient’s market cap is CHF719.39M.
When is Navient’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
Is Navient overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Navient pay dividends?
Navient does not currently pay dividends.
What is Navient’s EPS estimate?
Navient’s EPS estimate for its next earnings report is not yet available.
Which hedge fund is a major shareholder of Navient?
Hedge funds hold Navient shares: the largest hedge-fund position in Navient is 929,004,386 shares, and hedge funds decreased their holdings by 98.6K shares last quarter.
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