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Navient Corporation NAVI R2K

Financial Services · Credit Services · United States
https://www.navient.com

Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand. It also owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.

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$8.56
-32.68% 1Y

Market & Price

Market Cap
$804.55M
Current Price
$8.56
High / Low (52W)
$14.93 / $7.89
Beta
1.26

Valuation

Stock P/E
-
Industry PE
12.01
Forward P/E
9.05
PEG Ratio
0.13
Book Value
$25.31
Price to Book
0.34
P/S
2.45
EV/EBITDA
-
Dividend Yield
7.48%

Profitability & Returns

ROCE
-
ROE
-2.46%
ROA
-0.12%
Profit Margin
-18.54%
Op Margin
25.60%
EPS (Latest Qtr)
$0.17
EPS (TTM)
$-0.62

Balance Sheet & Liquidity

Debt/Equity
19.00
Quick Ratio
7.60
Current Ratio
7.86
Debt
$45.20B
Total Assets
$48.68B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.20%
Chg in Prom Hold
-
FII / Inst Holding
103.80%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$45.35B
Total Revenue (TTM)
$329.00M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$323.00M
Shares Outstanding
93.99M
Gross Margin
100.00%
Payout Ratio
200.00%

Growth (CAGR)

Revenue 5Y
-29.45%
Profit 5Y
-37.47%
Revenue (YoY)
-0.80%
Earnings (YoY)
-

PROS

  • Attractive dividend yield of 7.48%.

CONS

  • Revenue declined at -29.4% CAGR over 5 years.
  • Earnings shrank at -37.5% CAGR over 5 years.
  • Trading 42.6% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 NAVI Navient Corporation R2K 8.56 - $804.55M 7.48% - -2.46% -29.45% -37.47%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------93.00M84.00M86.00M-98.00M100.00M99.00M-88.00M85.00M108.00M130.00M134.00M127.00M95.00M87.00M79.00M72.00M83.00M85.00M77.00M81.00M--156.00M156.00M161.00M137.00M152.00M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------672.00M650.00M639.00M628.00M564.00M
Pretax Income ------------------------------------5.00M18.00M-117.00M-7.00M32.00M
Tax Provision ------------------------------------3.00M4.00M-31.00M-2.00M15.00M
Net Income 179.00M234.00M283.00M181.00M125.00M230.00M145.00M88.00M112.00M176.00M-84.00M126.00M83.00M114.00M72.00M128.00M153.00M145.00M171.00M-106.00M125.00M207.00M370.00M185.00M173.00M255.00M180.00M105.00M111.00M66.00M79.00M73.00M36.00M---2.00M14.00M-86.00M-5.00M17.00M
Diluted EPS 0.460.630.780.530.380.730.480.300.390.64-0.320.470.310.430.280.520.640.630.78-0.530.641.072.001.051.041.671.220.750.860.520.650.640.32---0.020.13-0.87-0.060.17

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------359.00M391.00M388.00M507.00M1.74B1.28B961.00M610.00M
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses --------------
Operating Income --------------
EBITDA --------------
Interest Expense ----------2.10B3.56B3.27B2.59B
Pretax Income ----------827.00M313.00M174.00M-111.00M
Tax Provision ----------182.00M85.00M43.00M-31.00M
Net Income 939.00M1.42B1.14B984.00M681.00M292.00M395.00M597.00M412.00M717.00M645.00M228.00M131.00M-80.00M
Diluted EPS 1.903.122.662.582.121.041.492.562.124.184.491.851.18-0.81

Compounded Sales Growth

5 Years:-29.45%
1 Year:-0.80%

Compounded Profit Growth

5 Years:-37.47%
1 Year:-

Stock Price Performance

1 Year:-32.68%
6 Months:-29.64%
3 Months:-0.76%
1 Month:-9.99%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --159.54B146.35B134.05B121.14B114.99B104.18B94.90B87.41B-70.80B61.38B51.79B48.68B
Current Assets ---------------
Cash & Equivalents 2.79B3.90B5.19B1.44B1.59B1.25B1.52B1.29B1.23B1.18B-1.53B839.00M722.00M637.00M
Inventory ---------------
Receivables -----------2.11B2.18B1.78B1.67B
Total Liabilities --153.90B142.15B130.11B117.41B111.51B100.63B91.55B84.97B-67.82B58.62B49.15B46.28B
Current Liabilities ---------------
Long Term Debt --136.65B136.87B124.83B112.37B105.01B93.52B81.72B77.33B-62.43B53.15B43.92B40.90B
Total Debt -----------66.59B57.30B47.91B45.17B
Total Equity --5.64B4.20B3.91B3.70B3.45B3.52B3.34B2.43B-2.98B2.76B2.64B2.40B
Shares Outstanding -----------461.00M463.72M465.31M466.67M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 2.64B2.00B1.66B1.91B1.35B1.16B1.14B1.02B987.00M-305.00M676.00M459.00M441.00M
Investing Cash Flow 11.85B9.21B-1.65B10.69B11.28B7.12B10.36B7.49B6.45B-10.59B7.36B8.47B2.71B
Financing Cash Flow -----13.10B-8.34B-10.88B-9.98B-7.68B--9.66B-10.05B-9.62B-3.15B
Capital Expenditure --------------
Free Cash Flow ----------305.00M676.00M459.00M441.00M
Net Change in Cash ----------1.23B-2.01B-690.00M1.00M
Share Buybacks 900.00M600.00M600.00M945.00M755.00M440.00M220.00M440.00M400.00M600.00M400.00M310.00M179.00M111.00M

Ratios (Annual)

Figures in %.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % --------------
Operating Margin % --------------
Net Margin % ------110.0%152.7%106.2%141.4%37.1%17.8%13.6%-13.1%
ROE % -25.2%27.1%25.2%18.4%8.5%11.2%17.9%16.9%-21.7%8.3%5.0%-3.3%
ROCE % --------------

Shareholding Pattern

Insiders
2.20%
Institutions
103.80%
Public Float
106.14%

Top Institutional Holders

#Holder% HeldSharesValue
1 Sherborne Investors Management, LP 31.33% 29.45M $252.09M
2 Blackrock Inc. 13.53% 12.72M $108.85M
3 Dimensional Fund Advisors LP 6.79% 6.38M $54.64M
4 Vanguard Portfolio Management LLC 3.91% 3.68M $31.48M
5 Vanguard Capital Management LLC 3.08% 2.89M $24.75M
6 State Street Corporation 2.77% 2.60M $22.28M
7 Charles Schwab Investment Management, Inc. 2.33% 2.19M $18.74M
8 American Century Companies Inc 2.23% 2.10M $17.96M
9 Geode Capital Management, LLC 1.85% 1.74M $14.86M
10 Hotchkis & Wiley Capital Management, LLC 1.50% 1.41M $12.05M

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