Navient stock analysis
Navient (R26) Stock Price & Analysis
R26 Stock Chart & Stats
- Day’s Range
- EUR 6.86 - EUR 6.86
- 52-Week Range
- EUR 6.30 - EUR 11.10
- Previous Close
- EUR 7.66
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 560.93M
- Enterprise Value
- EUR 43.01B
- Total Cash (Recent Filing)
- EUR 1.99B
- Total Debt (Recent Filing)
- EUR 43.18B
- Price to Earnings (P/E)
- 12.5
- Beta
- 0.84
- Next Earnings
- Jan 26, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 7.65%
Bulls Say, Bears Say
Bulls Say
Origination Growth
Strong growth across refinance and in-school lending indicates expanding origination capacity and customer demand. Higher volumes can improve operating leverage and acquisition efficiency, while the concentration on higher-quality borrowers supports the durability of future loan performance.
Positive Cash Generation
Consistently positive operating and free cash flow provide an important internal funding source for loan originations, shareholder distributions, and ongoing operations. This cash-generation record offers liquidity support even though it does not fully eliminate the company’s leverage-related financial constraints.
Expense Discipline
Sustained cost control can protect earnings as the portfolio mix changes and support operating leverage when origination volumes grow. Management’s maintained expense target also indicates an established discipline around efficiency rather than reliance solely on revenue expansion.
Bears Say
High Leverage
Elevated leverage reduces financial flexibility and leaves a smaller equity cushion against credit losses, valuation changes, or weaker earnings. It can also constrain investment and capital-allocation choices, making balance-sheet resilience a persistent concern over the next several quarters.
Weak Profitability Trend
Declining revenue and a shift from prior profits to losses indicate that earnings power has become unstable. Although operating profitability remains positive, persistent bottom-line weakness could limit capital formation and reduce the company’s ability to absorb credit or funding pressures.
Legacy Credit Deterioration
Large provisions and prolonged weakness in legacy private-loan performance can continue to pressure earnings, capital, and cash available for growth. The need for additional reserves also shows that older portfolios remain a meaningful source of uncertainty beyond current origination trends.
Navient News
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Navient Stock Smart Score
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.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Edward John Bramson
- Employees
- 670
- Website
- www.navient.com
- Address
- 13865 Sunrise Valley Drive, Herndon, VA, 20171, US
Navient (R26) Earnings & Revenues
R26 Company Deck
R26 Earnings Call
Earnings Call SentimentPositive
The call was broadly constructive, with strong growth in refinance and in-school originations, improved efficiency, successful legacy loan sales, lower companywide expenses, a higher capital ratio, and continued capital flexibility. These positives were tempered by substantial credit provisions, legacy and older refinance vintages performing below expectations, rising-rate pressure on refinance returns, and higher FFELP delinquencies. Overall, the positive operating and strategic developments significantly outweighed the stated challenges.
View all DE:R26 earnings summariesR26 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 10 | 5 | 7 |
| Technical Analysis | 4 | 5 | 1 |
| Moving Averages | 6 | 0 | 6 |
