Navient Corporation (NASDAQ: NAVI) is a Financial Services company in the Financial - Credit Services industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | - | EPS (ttm) | -0.62 | Insider Own | - | Shs Outstand | 93.99M | Perf Week | 6.97% |
| Market Cap | 879.74M | Forward P/E | 9.91 | EPS next Y | 0.94 | Insider Trans | 0.00% | Shs Float | 92.35M | Perf Month | 11.56% |
| Enterprise Value | 45.44B | PEG | - | EPS next Q | - | Inst Own | - | Short Float | 11.18% | Perf Quarter | 4.23% |
| Income | -60.00M | P/S | 0.29 | EPS this Y | 215.14% | Inst Trans | - | Short Ratio | 9.06 | Perf Half Y | -6.21% |
| Sales | 3.06B | P/B | 0.37 | EPS next Y | 32.27% | ROA | -0.13% | Short Interest | 10.32M | Perf YTD | -28.00% |
| Book/sh | 25.31 | P/C | 1.42 | EPS next 5Y | 19.51% | ROE | -2.45% | 52W High | 13.87 -32.52% | Perf Year | -26.07% |
| Cash/sh | 6.61 | P/FCF | 2.44 | EPS past 3/5Y | - | ROIC | 0.91% | 52W Low | 7.33 27.69% | Perf 3Y | -50.53% |
| Dividend Est. | 0.64 (6.84%) | EV/EBITDA | 85.41 | Sales past 3/5Y | -5.60% -2.86% | Gross Margin | 29.92% | Volatility | 4.19% 3.33% | Perf 5Y | -54.36% |
| Dividend TTM | 0.64 (6.84%) | EV/Sales | 14.84 | EPS Y/Y TTM | -152.54% | Oper. Margin | 17.57% | ATR (14) | 0.34 | Perf 10Y | -33.94% |
| Dividend Ex-Date | Jun 05, 2026 | Quick Ratio | 0.75 | Sales Y/Y TTM | -27.68% | Profit Margin | -1.96% | RSI (14) | 66.53 | Recom | 2.96 |
| Dividend Gr. 3/5Y | 0.00% 0.00% | Current Ratio | 0.75 | EPS Q/Q | -28.57% | SMA20 | 9.64% | Beta | 1.19 | Target Price | 8.50 |
| Payout | -103.33% | Debt/Eq | 19.05 | Sales Q/Q | -16.06% | SMA50 | 12.32% | Rel Volume | 1.17 | Prev Close | 8.83 |
| Employees | 670 | LT Debt/Eq | 16.94 | Earnings | Aug 06 | SMA200 | -5.78% | Avg Volume | 1.07M | Price | 9.36 |
| IPO Date | Apr 17, 2014 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 24.73% 7.44% | Net Debt/EBITDA | 83.76 | Volume | 1,245,275 | Change | 6.00% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Apr-30-26 | Reiterated | Barclays | Underweight | $9.00 → $8.00 |
| Apr-16-26 | Reiterated | Morgan Stanley | Equal Weight | $12 → $9.00 |
| Jan-29-26 | Reiterated | Barclays | Underweight | $11 → $9.00 |
| Jan-29-26 | Reiterated | Deutsche Bank | Hold | $9.00 |
| Jan-28-26 | Reiterated | Morgan Stanley | Equal Weight | $13 → $12 |
| Jan-06-26 | Reiterated | Barclays | Underweight | $11 |
| Jan-21-25 | Upgrade | Seaport Global | Neutral → Buy | |
| Sep-30-24 | Initiated | BofA | Neutral | $17 |
| Apr-03-24 | Upgrade | JP Morgan | Underweight → Neutral | |
| Jan-10-24 | Downgrade | Barclays | Equal Weight → Underweight |
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.
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 | 3,062 | 3,229 | 4,234 | 4,836 | 3,839 | 3,527 | 3,734 | 5,484 | 5,591 | |
| Cost of Goods Sold Incl. D&A | 2,146 | 421 | 3,386 | 3,680 | 2,181 | 1,255 | 2,201 | 3,746 | 4,038 | |
| Gross Profit | 916 | 2,808 | 848 | 1,156 | 1,658 | 2,272 | 1,533 | 1,738 | 1,553 | |
| Selling, General and Administrative Excl. Other | 156 | 0 | 316 | 401 | 444 | 569 | 497 | 488 | 507 | |
| Research and Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Other Operating Expense | 222 | 317 | 358 | 442 | 387 | 767 | 504 | 487 | 518 | |
| Operating Income | 538 | 2,491 | 174 | 313 | 827 | 936 | 532 | 763 | 528 | |
| Interest Expense | 2,474 | 2,582 | 3,273 | 3,557 | 2,102 | 1,316 | 2,046 | 3,488 | 3,668 | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 1,862 | -20 | 3,273 | 3,557 | 2,102 | 1,316 | 2,046 | 3,488 | 3,668 | |
| Net Income Before Taxes | -74 | -111 | 174 | 313 | 827 | 936 | 532 | 763 | 528 | |
| Income Taxes | -14 | -31 | 43 | 85 | 182 | 219 | 120 | 166 | 133 | |
| Consolidated Net Income | -60 | -80 | 131 | 228 | 645 | 717 | 412 | 597 | 395 | |
| Net Income From Continuing Operations | -60 | -80 | 131 | 228 | 645 | 717 | 412 | 597 | 395 | |
| Net Income | -60 | -80 | 131 | 228 | 645 | 717 | 412 | 597 | 395 | |
| EPS (Recurring) | -0.61 | -0.81 | 1.20 | 1.87 | 4.54 | 4.22 | 2.13 | 2.60 | 1.52 | |
| EPS (Basic, Before Extraordinaries) | -0.61 | -0.81 | 1.20 | 1.87 | 4.54 | 4.22 | 2.13 | 2.60 | 1.52 | |
| EPS (Diluted) | -0.62 | -0.81 | 1.18 | 1.85 | 4.48 | 4.17 | 2.11 | 2.56 | 1.50 | |
| EBITDA | 532 | 2,474 | 174 | 313 | 827 | 936 | 553 | 788 | 559 | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | — | — | 11.26 | 10.06 | 3.67 | 5.09 | 4.65 | 5.34 | 5.87 | |
| Price To Sales Ratio | 0.29 | 0.40 | 0.34 | 0.47 | 0.61 | 1.02 | 0.51 | 0.57 | 0.41 | |
| Gross Margin | 29.92 | 86.96 | 20.03 | 23.90 | 43.19 | 64.42 | 41.06 | 31.69 | 27.78 | |
| Operating Margin | 17.57 | 77.14 | 4.11 | 6.47 | 21.54 | 26.54 | 14.25 | 13.91 | 9.44 | |
| Net Margin | -1.96 | -2.48 | 3.09 | 4.71 | 16.80 | 20.33 | 11.03 | 10.89 | 7.06 | |
| Shares Outstanding | 95 | 99 | 109 | 122 | 142 | 170 | 193 | 230 | 260 | |
| Market Capitalization | 889 | 1,287 | 1,449 | 2,272 | 2,336 | 3,607 | 1,895 | 3,146 | 2,291 | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| YOWAN DAVID L. | President & CEO | Jun 04 '26 | Option Exercise | 0.00 | 107,363 | 0 | 500,606 | Jun 05 |
| CABRAL ANNA ESCOBEDO | Director | Jan 01 '25 | Option Exercise | 13.29 | 11,691 | 155,374 | 61,009 | Jan 23 |
| HAUBER STEPHEN M | EVP & Chief Admin Officer | Nov 06 '24 | Sale | 15.00 | 10,000 | 150,000 | 256,883 | Nov 07 |
| HELEEN MARK L | EVP, CLO & Secretary | May 03 '24 | Sale | 16.00 | 10,000 | 160,000 | 393,611 | May 06 |
| HELEEN MARK L | EVP, CLO & Secretary | Jan 31 '24 | Sale | 17.20 | 10,000 | 171,967 | 385,577 | Feb 02 |
| 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 |
| REMONDI JOHN F | Chief Executive Officer | Jan 31 '23 | Option Exercise | 13.63 | 463,320 | 6,315,052 | 3,716,670 | Feb 01 |
| HELEEN MARK L | EVP, CLO & Secretary | Jan 31 '23 | Option Exercise | 13.63 | 86,872 | 1,184,065 | 466,157 | Feb 01 |
| HAUBER STEPHEN M | EVP, Chief Risk&Compliance Off | Jan 27 '23 | Sale | 19.17 | 11,351 | 217,546 | 217,081 | Jan 30 |
| HAUBER STEPHEN M | EVP, Chief Risk&Compliance Off | Jan 27 '23 | Option Exercise | 13.63 | 57,915 | 789,381 | 274,996 | 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 |
| Welker Stephen | director: | Mar 31 '22 | Buy | 17.13 | 315,408 | 5,402,939 | 29,123,997 | Apr 04 |