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Navient Corporation NAVI R2K

Financial Services · Credit Services · United States
https://www.navient.com
Company Profile ↓
$8.47
-40.02% 1Y
Mkt Cap$796.09M
P/E-13.66
P/B0.31
Div. Yield8.04%
52W High$14.12
52W Low$7.29
Book Value$25.31
EPS (TTM)$-0.62

Company Overview

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.

Why Investors Should Care

Healthy Margins

Operating margin of 25.6% supports profitability.

Dividend Income

Offers a dividend yield of 8.04%.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue -0.8%, earnings -161.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR -4.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-4.58%
1 Year:-0.80%

Compounded Profit Growth

5 Years:-
1 Year:-161.07%

Stock Price Performance

1 Year:-40.02%
6 Months:-32.21%
3 Months:+5.98%
1 Month:+7.35%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 17% of range
$7.29 $14.12
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMABelow
  • RSI (14)54.78 · Neutral
Price Performance
1M+7.35%
3M+5.98%
6M-32.21%
1Y-40.02%

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Attractive dividend yield of 8.04%.

CONS

  • Revenue declined at -4.6% CAGR over 5 years.
  • Trading 40.0% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
-13.66
Industry PE
13.30
Forward P/E
8.96
PEG Ratio
0.13
Book Value
$25.31
Price to Book
0.31
P/S
2.28
EV/EBITDA
-
Dividend Yield
8.04%

Growth (CAGR)

Revenue 5Y
-4.58%
Profit 5Y
-
Revenue (YoY)
-0.80%
Earnings (YoY)
-161.07%

Profitability & Returns

ROCE
-
ROE
-2.46%
ROA
-0.12%
Profit Margin
-18.54%
Op Margin
25.60%
Gross Margin
100.00%
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
$48.00B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.29%
Chg in Prom Hold
-
FII / Inst Holding
104.09%
Chg in FII Hold
0.26%

Financial Snapshot

Enterprise Value
$796.09M
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%

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 8.47 -13.66 $796.09M 8.04% - -2.46% -4.58% -
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2014Mar 2015Jun 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 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue -------------93.00M84.00M86.00M-98.00M100.00M99.00M-88.00M85.00M108.00M130.00M134.00M127.00M95.00M87.00M79.00M72.00M83.00M85.00M77.00M81.00M70.00M----
Net Income 263.00M289.00M179.00M234.00M283.00M181.00M125.00M230.00M145.00M88.00M112.00M176.00M-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-2.00M-2.00M14.00M-86.00M17.00M
Diluted EPS 0.640.710.460.630.780.530.380.730.480.300.390.64-0.320.470.310.430.280.520.640.630.78-0.530.641.072.001.051.041.671.220.750.860.520.650.640.32-0.02-0.020.13-0.870.17

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------359.00M391.00M388.00M507.00M332.00M321.00M271.00M-
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

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 --159.54B146.35B134.05B121.14B114.99B104.18B94.90B87.41B80.61B70.80B61.38B51.79B48.68B
Total Equity 5.25B5.07B5.64B4.20B3.91B3.70B3.45B3.52B3.34B2.43B2.60B2.98B2.76B2.64B2.40B
Cash & Equivalents 2.79B3.90B5.19B1.44B1.59B1.25B1.52B1.29B1.23B1.18B905.00M1.53B839.00M722.00M637.00M
Long Term Debt --136.65B136.87B124.83B112.37B105.01B93.52B81.72B77.33B74.49B61.03B53.40B43.18B40.63B
Total Liabilities --153.90B142.15B130.11B117.41B111.51B100.63B91.55B84.97B78.00B67.82B58.62B49.15B46.28B

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 2.64B2.00B1.66B1.91B1.35B1.16B1.14B1.02B987.00M702.00M305.00M676.00M459.00M441.00M
Investing Cash Flow 11.85B9.21B-1.65B10.69B11.28B7.12B10.36B7.49B6.45B6.67B10.59B7.36B8.47B2.71B
Financing Cash Flow -----13.10B-8.34B-10.88B-9.98B-7.68B-7.33B-9.66B-10.05B-9.62B-3.15B
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%194.3%71.0%48.3%-
ROE % 18.5%25.2%27.1%25.2%18.4%8.5%11.2%17.9%16.9%27.6%21.7%8.3%5.0%-3.3%
ROCE % --------------

Shareholding Pattern

Insiders
2.29%
Institutions
104.09%
Public Float
106.53%

Top Institutional Holders

#Holder% HeldSharesValue
1 Sherborne Investors Management, LP 31.33% 29.45M $249.00M
2 Blackrock Inc. 13.53% 12.72M $107.51M
3 Dimensional Fund Advisors LP 6.79% 6.38M $53.97M
4 Vanguard Portfolio Management LLC 3.91% 3.68M $31.09M
5 Vanguard Capital Management LLC 3.08% 2.89M $24.44M
6 State Street Corporation 2.77% 2.60M $22.01M
7 Charles Schwab Investment Management, Inc. 2.33% 2.19M $18.51M
8 American Century Companies Inc 2.23% 2.10M $17.74M
9 Geode Capital Management, LLC 1.85% 1.74M $14.68M
10 Hotchkis & Wiley Capital Management, LLC 1.50% 1.41M $11.90M

Analyst View

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Latest News

Recent headlines for NAVI

Google News Sat, 11 Jul 2026

If You Invested $1,000 in Navient Corporation (NAVI) - Stock Titan

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Google News Sat, 11 Jul 2026

Y Intercept Hong Kong Ltd Purchases Shares of 150,000 Navient Corporation $NAVI - MarketBeat

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Google News Mon, 13 Jul 2026

NAVI Maintained by JP Morgan -- Price Target Lowered to $8.00 - GuruFocus

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Google News Mon, 06 Jul 2026

Consumer Finance Stocks Q1 Recap: Benchmarking Navient (NASDAQ:NAVI) - Yahoo Finance

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Google News Wed, 08 Jul 2026

Price-Driven Insight from (NAVI) for Rule-Based Strategy - Stock Traders Daily

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Google News Fri, 03 Jul 2026

Press Release: Navient Declares Second Quarter Common Stock Dividend - Moomoo

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NAVI — Frequently Asked Questions

What is the current share price of Navient Corporation (NAVI)?

As of 2026-07-14 21:23 PDT, Navient Corporation (NAVI) trades at $8.47 on NasdaqGS. Its 52-week range is $7.29 to $14.12.

What is the market capitalisation of NAVI?

Navient Corporation (NAVI) has a market capitalisation of $796.09M on NasdaqGS.

What is the P/E ratio of NAVI?

NAVI trades at a trailing price-to-earnings (P/E) ratio of -13.66. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 0.31.

Does NAVI pay a dividend?

Navient Corporation (NAVI) currently offers a dividend yield of 8.04%.

What is the return on equity (ROE) of NAVI?

NAVI has a return on equity (ROE) of -2.46%.

Is NAVI a good stock to buy?

This page provides a data-driven analysis of Navient Corporation (NAVI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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