| Index | — | P/E | — | EPS (ttm) | -0.49 | Insider Own | 2.26% | Shs Outstand | 274.10M | Perf Week | -5.79% |
| Market Cap | 4.02B | Forward P/E | — | EPS next Y | — | Insider Trans | — | Shs Float | — | Perf Month | -12.38% |
| Enterprise Value | 6.09B | PEG | — | EPS next Q | — | Short Float | — | Perf Quarter | -16.76% | ||
| Income | -49.00M | P/S | 1.38 | EPS this Y | — | Short Ratio | 0.31 | Perf Half Y | -20.68% | ||
| Sales | 2.90B | P/B | 1.67 | EPS next Y | — | ROA | -0.10% | Short Interest | 4.97K | Perf YTD | -27.97% |
| Book/sh | 8.75 | P/C | 1.88 | EPS next 5Y | — | ROE | -2.04% | 52W High | 20.65 -27.55% | Perf Year | -23.94% |
| Cash/sh | 7.80 | P/FCF | 11.81 | EPS past 3/5Y | — | ROIC | 88.72% | 52W Low | 13.80 8.41% | Perf 3Y | -15.02% |
| Dividend Est. | 1.50 (10.03%) | EV/EBITDA | 11.56 | Sales past 3/5Y | 23.30% -1.18% | Gross Margin | 95.76% | Volatility | 4.35% 3.17% | Perf 5Y | -42.32% |
| Dividend TTM | 1.50 (10.03%) | EV/Sales | 2.10 | EPS Y/Y TTM | — | Oper. Margin | 83.20% | ATR (14) | 0.54 | Perf 10Y | -38.52% |
| Dividend Ex-Date | Dec 14, 2026 | Quick Ratio | 0.51 | Sales Y/Y TTM | 15.47% | Profit Margin | -1.69% | RSI (14) | 21.05 | Recom | 3.00 |
| Dividend Gr. 3/5Y | 0.00% 0.06% | Current Ratio | 0.51 | EPS Q/Q | — | SMA20 | -8.63% | Beta | 0.95 | Target Price | 17.50 |
| Payout | — | Debt/Eq | 1.76 | Sales Q/Q | -12.34% | SMA50 | -13.93% | Rel Volume | 7.83 | Prev Close | 14.65 |
| Employees | 2,100 | LT Debt/Eq | 0.00 | Earnings | Mar 31 | SMA200 | -19.16% | Avg Volume | 19.95K | Price | 14.96 |
| IPO Date | Dec 30, 2003 | Option/Short | Yes / Yes | EPS/Sales Surpr. | — | Net Debt/EBITDA | 3.94 | Volume | 156,096 | Change | 2.12% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Feb-01-23 | Reiterated | Citigroup | $19 | |
| Dec-01-22 | Reiterated | Morgan Stanley | $16 |
Navient Corporation specializes in providing asset management and business processing services to a diverse clientele, including those in education, healthcare, and governmental sectors at all levels—federal, state, and local. The company's operations are structured into four key segments: Federal Education Loans, Consumer Lending, Business Processing, and Other. The Federal Education Loans segment is dedicated to the ownership, servicing, and asset recovery of its FFELP (Federal Family Education Loan Program) loan portfolio. Through its Consumer Lending division, Navient engages in the origination, acquisition, ownership, and servicing of high-quality private education loans. The Business Processing segment focuses on delivering services to government and healthcare organizations. Lastly, the "Other" segment covers the corporate liquidity portfolio, profits or losses resulting from debt repurchases, unallocated expenses for shared services, and various restructuring or reorganization costs. Established in 1973, Navient maintains its corporate headquarters in Herndon, Virginia.
Per-holder 13F data hasn't been ingested for this ticker yet.
| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 2,904 | 3,108 | 3,809 | 1,156 | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 124 | 149 | 316 | 800 | — | — | — | — | — | |
| Gross Profit | 2,781 | 2,959 | 3,493 | 356 | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 0 | 0 | 316 | 401 | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | 0 | — | — | — | — | — | |
| Other Operating Expense | 365 | 421 | 364 | 0 | — | — | — | — | — | |
| Operating Income | 2,416 | 2,538 | 2,813 | 755 | — | — | — | — | — | |
| Interest Expense | 2,391 | 2,589 | 3,273 | 3,557 | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | -78 | -60 | 634 | 3,115 | — | — | — | — | — | |
| Net Income Before Taxes | -53 | -111 | 174 | 313 | — | — | — | — | — | |
| Income Taxes | -3 | -31 | 43 | 85 | — | — | — | — | — | |
| Consolidated Net Income | -49 | -80 | 131 | 228 | — | — | — | — | — | |
| Net Income From Continuing Operations | -49 | -80 | 131 | 228 | — | — | — | — | — | |
| Net Income | -49 | -80 | 131 | 228 | — | — | — | — | — | |
| EPS (Recurring) | -0.48 | -0.82 | 1.20 | 1.85 | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | -0.48 | -0.82 | 1.20 | 1.85 | — | — | — | — | — | |
| EPS (Diluted) | -0.49 | -0.82 | 1.20 | 1.85 | — | — | — | — | — | |
| EBITDA | 527 | 3 | 3,593 | 1,520 | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | — | — | 14.80 | 11.58 | — | — | — | — | — | |
| Price To Sales Ratio | 0.49 | 0.64 | 0.51 | 2.28 | — | — | — | — | — | |
| Gross Margin | 95.76 | 95.21 | 91.70 | 30.80 | — | — | — | — | — | |
| Operating Margin | 83.20 | 81.66 | 73.85 | 65.31 | — | — | — | — | — | |
| Net Margin | -1.69 | -2.57 | 3.44 | 19.72 | — | — | — | — | — | |
| Shares Outstanding | 95 | 98 | 109 | 123 | — | — | — | — | — | |
| Market Capitalization | 1,421 | 1,993 | 1,936 | 2,635 | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| KANE JOHN M | EVP & Group President | Dec 14 '23 | Sale | 19.02 | 150,132 | 2,855,090 | 490,778 | Dec 18 |
| HELEEN MARK L | EVP, CLO & Secretary | Nov 07 '23 | Sale | 16.99 | 10,000 | 169,863 | 395,330 | Nov 08 |
| HELEEN MARK L | EVP, CLO & Secretary | Jul 31 '23 | Sale | 19.01 | 20,000 | 380,138 | 404,056 | Aug 02 |
| HELEEN MARK L | EVP, CLO & Secretary | Jan 31 '23 | Option Exercise | 13.63 | 86,872 | 1,184,065 | 466,157 | Feb 01 |
| REMONDI JOHN F | Chief Executive Officer | Jan 31 '23 | Option Exercise | 13.63 | 463,320 | 6,315,052 | 3,716,670 | Feb 01 |
| HAUBER STEPHEN M | EVP, Chief Risk&Compliance Off | Jan 27 '23 | Option Exercise | 13.63 | 57,915 | 789,381 | 274,996 | Jan 30 |
| HAUBER STEPHEN M | EVP, Chief Risk&Compliance Off | Jan 27 '23 | Sale | 19.17 | 11,351 | 217,546 | 217,081 | Jan 30 |
| KANE JOHN M | EVP & Group President | Jan 03 '23 | Sale | 16.56 | 17,006 | 281,606 | 607,303 | Jan 04 |
| KANE JOHN M | EVP & Group President | Jan 03 '23 | Option Exercise | 13.63 | 150,579 | 2,052,392 | 757,882 | Jan 04 |