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NAVI Stock Chart & Stats
$8.87
-$0.26(-1.94%)
At close: 4:00 PM EST
$8.87
-$0.26(-1.94%)
Day’s Range― - ―
52-Week Range$7.33 - $14.54
Previous CloseN/A
Volume120.39K
Average Volume (3M)980.76K
Market Cap
$813.01M
Enterprise Value$43.76K
Total Cash (Recent Filing)$621.00M
Total Debt (Recent Filing)$45.18B
Price to Earnings (P/E)―
Beta1.05
Next Earnings
Aug 06, 2026EPS Estimate
0.2Next Dividend Ex-DateN/A
Dividend Yield7.4%
Share Statistics
EPS (TTM)-0.61
Shares Outstanding93,989,420
10 Day Avg. Volume1,222,272
30 Day Avg. Volume980,763
Financial Highlights & Ratios
PEG Ratio0.10
Price to Book (P/B)0.54
Price to Sales (P/S)0.40
P/FCF Ratio2.92
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$8.40Price Target Upside-5.30% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering5
EPS Forecast (FY)0.71
Revenue Forecast (FY)$595.73M
Bulls Say, Bears Say
Bulls Say
Operating ProfitabilitySustained EBIT margins near 17% indicate Navient’s core servicing and lending operations generate healthy operating profits independent of financing results. This durable operating cash generation supports reinvestment, expense coverage and resilience even if below-the-line items vary over months.
Strong Originations And High-quality Refi MixRobust originations growth, concentrated in high‑FICO refinancings, reflects durable demand and favorable borrower credit quality. A consistent refi pipeline with strong borrower profiles reduces credit losses risk and supports recurring net interest income and fee revenue over the medium term.
Capital Markets Execution And Funding AccessSuccessful, oversubscribed securitizations show durable investor appetite and funding channels. Coupled with positive operating cash flow, this execution reduces refinancing risk, helps manage maturities, and provides capital flexibility to support originations and strategic actions over coming quarters.
Bears Say
Historically Very High LeverageA history of extreme leverage constrains financial flexibility and amplifies risk from funding cost increases or earnings shocks. Even with recent improvement, the capital base remains thin relative to assets, limiting the firm's ability to absorb losses or pursue growth without additional financing.
Recent Net Losses And Weakening RevenueNet losses and falling revenue signal pressure beyond operating margins, likely from higher financing costs, provisions or legacy portfolio effects. Persistent below-the-line losses erode equity and hinder the company’s capacity to rebuild capital buffers or fund strategic initiatives over several quarters.
Elevated Legacy Credit And ProvisionsOngoing elevated delinquencies and recurring provisions signal residual credit stress in legacy books. That dynamic can sustain higher loss rates, require continued reserve builds, and limit net income stability and capital formation until legacy credit metrics normalize over multiple quarters.
Navient News
NAVI FAQ
What was Navient’s price range in the past 12 months?
Navient lowest stock price was $7.33 and its highest was $14.54 in the past 12 months.
What is Navient’s market cap?
Navient’s market cap is $813.01M.
When is Navient’s upcoming earnings report date?
Navient’s upcoming earnings report date is Aug 06, 2026 which is in 17 days.
How were Navient’s earnings last quarter?
Navient released its earnings results on Apr 29, 2026. The company reported $0.2 earnings per share for the quarter, beating the consensus estimate of $0.16 by $0.04.
Is Navient overvalued?
According to Wall Street analysts Navient’s price is currently Overvalued.
Does Navient pay dividends?
Navient pays a Quarterly dividend of $0.16 which represents an annual dividend yield of 7.4%. See more information on Navient dividends here
What is Navient’s EPS estimate?
Navient’s EPS estimate is 0.2.
How many shares outstanding does Navient have?
Navient has 93,989,420 shares outstanding.
What happened to Navient’s price movement after its last earnings report?
Navient reported an EPS of $0.2 in its last earnings report, beating expectations of $0.16. Following the earnings report the stock price went up 3.708%.
Which hedge fund is a major shareholder of Navient?
Currently, no hedge funds are holding shares in NAVI
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
Navient Stock Smart Score
Underperform
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Analyst Consensus
Moderate Sell
Average Price Target:
$8.40 (-5.30% Downside)
$8.40 (-5.30% Downside)
Blogger Sentiment
Bullish
NAVI Sentiment 100%
Sector Average 63%
Sector Average 63%
Hedge Fund Trend
Increased
By 631.5K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Negative
20 days / 200 days
Momentum
2.40%
12-Months-Change
Fundamentals
Return on Equity
7.40%
Trailing 12-Months
Asset Growth
-5.78%
Trailing 12-Months
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.
NAVI Stock 12 Month Forecast
Average Price Target
$8.40
▼(-5.30% Downside)
Technical Analysis
Ownership Overview
1.34% Insiders
19.76% Mutual Funds
0.07% Other Institutional Investors
56.14% Public Companies and
Individual Investors