NAVI
Navient Corporation
Price Chart
Latest Quote
$7.98
+0.11 (+1.40%)
Current Price
| Previous Close | $7.87 |
| Open | $7.98 |
| Day High | $8.06 |
| Day Low | $7.90 |
| Volume | 1,086,489 |
Stock Information
| Quarterly Dividend / Yield | $0.64 / 8.01% |
| Shares Outstanding | 93.99M |
| Quarterly Dividend Yield | 8.01% |
| Quarterly Dividend | $0.64 |
| Total Debt | $45.20B |
| Cash Equivalents | $657.00M |
| Revenue | $329.00M |
| Net Income | $-61.00M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $750.04M |
| EPS (TTM) | $-0.62 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $45.29B |
| Sales | $329.00M |
| Income | $-61.00M |
| Book/sh | $25.31 |
| Cash/sh | $6.99 |
| Employees | 670 |
Financial Ratios
| Quick Ratio | 7.60 |
| Current Ratio | 7.86 |
| Debt/Eq | 1900.00 |
Returns & Margins
| ROA | -0.12% |
| ROE | -2.46% |
| Gross Margin | 100.00% |
| Operating Margin | 25.60% |
| Profit Margin | -18.54% |
Ownership
| Insider Ownership | 2.29% |
| Institutional Ownership | 103.80% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 8.44 |
| PEG | 0.13 |
| P/S | 2.28 |
| P/B | 0.32 |
Analyst Data
| Recommendation | hold |
| Target Price | $9.44 |
Technical Indicators
| SMA20 | $7.97 |
| SMA50 | $8.26 |
| SMA200 | $10.18 |
| RSI | 50.74 |
| ATR | 0.3320 |
| Shares Float | 62.39M |
| Short Float | 23.37% |
| Short Ratio | 8.81 |
| Volatility | 1.22 |
| Rel Volume | 0.85 |
Performance History
| Week | +0.13% |
| Month | -2.42% |
| Quarter | -1.12% |
| 6 Months | -37.48% |
| YTD | -35.03% |
| Year | -37.01% |
| 3 Years | -50.72% |
| 5 Years | -49.30% |
| 10 Years | +10.29% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $7.98 | 1,218,600 |
| 2026-06-22 | $7.87 | 1,551,100 |
| 2026-06-18 | $8.09 | 2,539,400 |
| 2026-06-17 | $7.97 | 2,000,300 |
| 2026-06-16 | $8.24 | 1,271,500 |
| 2026-06-15 | $7.97 | 970,400 |
| 2026-06-12 | $7.97 | 712,600 |
| 2026-06-11 | $7.89 | 1,065,800 |
| 2026-06-10 | $7.90 | 865,500 |
| 2026-06-09 | $7.95 | 1,291,500 |
| 2026-06-08 | $7.78 | 1,115,900 |
| 2026-06-05 | $7.81 | 1,318,700 |
| 2026-06-04 | $7.61 | 2,929,400 |
| 2026-06-03 | $7.29 | 1,570,800 |
| 2026-06-02 | $7.94 | 1,588,200 |
| 2026-06-01 | $8.32 | 1,444,700 |
| 2026-05-29 | $8.38 | 2,118,300 |
| 2026-05-28 | $8.14 | 1,051,200 |
| 2026-05-27 | $7.95 | 1,308,600 |
| 2026-05-26 | $8.37 | 709,700 |
About Navient Corporation
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.
đ° Latest News
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Why Is Navient (NAVI) Down 10.1% Since Last Earnings Report?
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1 Financials Stock on Our Buy List and 2 We Question
StockStory âĸ 2026-05-13T19:48:55Z
3 Reasons NAVI is Risky and 1 Stock to Buy Instead
StockStory âĸ 2026-05-13T01:08:55Z
Why The Navient (NAVI) Story Is Shifting As Analyst Fair Value And Leadership Change
Simply Wall St. âĸ 2026-05-03T12:05:31Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $610,000,000 | $961,000,000 | $1,279,000,000 | $1,737,000,000 |
| Operating Revenue | $610,000,000 | $961,000,000 | $1,279,000,000 | $1,737,000,000 |
| Expenses | ||||
| Interest Expense | $2,589,000,000 | $3,273,000,000 | $3,557,000,000 | $2,102,000,000 |
| General And Administrative Expense | $149,000,000 | $316,000,000 | $401,000,000 | $444,000,000 |
| Other Non Interest Expense | $242,000,000 | $321,000,000 | $399,000,000 | $332,000,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-80,000,000 | $131,000,000 | $228,000,000 | $645,000,000 |
| Net Interest Income | $519,000,000 | $536,000,000 | $862,000,000 | $1,121,000,000 |
| Interest Income | $3,108,000,000 | $3,809,000,000 | $4,419,000,000 | $3,223,000,000 |
| Normalized Income | $-43,963,964 | $158,856,322 | $259,347,000 | $687,900,000 |
| Net Income From Continuing And Discontinued Operation | $-80,000,000 | $131,000,000 | $228,000,000 | $645,000,000 |
| Net Income Common Stockholders | $-80,000,000 | $131,000,000 | $228,000,000 | $645,000,000 |
| Net Income | $-80,000,000 | $131,000,000 | $228,000,000 | $645,000,000 |
| Net Income Including Noncontrolling Interests | $-80,000,000 | $131,000,000 | $228,000,000 | $645,000,000 |
| Net Income Continuous Operations | $-80,000,000 | $131,000,000 | $228,000,000 | $645,000,000 |
| Pretax Income | $-111,000,000 | $174,000,000 | $313,000,000 | $827,000,000 |
| Special Income Charges | $-50,000,000 | $-37,000,000 | $-43,000,000 | $-55,000,000 |
| Per Share | ||||
| Diluted EPS | $-0.81 | $1.18 | $1.85 | $4.49 |
| Basic EPS | $-0.81 | $1.20 | $1.87 | $4.54 |
| Other | ||||
| Tax Effect Of Unusual Items | $-13,963,964 | $-9,143,678 | $-11,653,000 | $-12,100,000 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-50,000,000 | $-37,000,000 | $-43,000,000 | $-55,000,000 |
| Total Unusual Items Excluding Goodwill | $-50,000,000 | $-37,000,000 | $-43,000,000 | $-55,000,000 |
| Diluted Average Shares | $99,000,000 | $111,000,000 | $123,000,000 | $144,000,000 |
| Basic Average Shares | $98,765,432 | $109,166,667 | $121,925,134 | $142,070,485 |
| Diluted NI Availto Com Stockholders | $-80,000,000 | $131,000,000 | $228,000,000 | $645,000,000 |
| Tax Provision | $-31,000,000 | $43,000,000 | $85,000,000 | $182,000,000 |
| Gain On Sale Of Business | $0 | $191,000,000 | $0 | $0 |
| Other Special Charges | $30,000,000 | $43,000,000 | $73,000,000 | - |
| Impairment Of Capital Assets | $3,000,000 | $146,000,000 | $10,000,000 | $19,000,000 |
| Restructuring And Mergern Acquisition | $17,000,000 | $39,000,000 | $25,000,000 | $36,000,000 |
| Gain On Sale Of Security | $-30,000,000 | $70,000,000 | $11,000,000 | $171,000,000 |
| Selling General And Administration | $149,000,000 | $316,000,000 | $401,000,000 | $444,000,000 |
| Salaries And Wages | $149,000,000 | $316,000,000 | $401,000,000 | $444,000,000 |
Fetched: 2026-06-19
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,965,000,000 | $2,204,000,000 | $2,065,000,000 | $2,272,000,000 |
| Total Assets | $48,681,000,000 | $51,789,000,000 | $61,375,000,000 | $70,795,000,000 |
| Goodwill And Other Intangible Assets | $434,000,000 | $437,000,000 | $695,000,000 | $705,000,000 |
| Other Intangible Assets | $6,000,000 | $9,000,000 | $25,000,000 | $35,000,000 |
| Receivables | $1,820,000,000 | $1,902,000,000 | $2,304,000,000 | $2,246,000,000 |
| Other Receivables | $150,000,000 | $120,000,000 | $122,000,000 | $132,000,000 |
| Accounts Receivable | $1,670,000,000 | $1,782,000,000 | $2,182,000,000 | $2,114,000,000 |
| Cash And Cash Equivalents | $637,000,000 | $722,000,000 | $839,000,000 | $1,535,000,000 |
| Cash Cash Equivalents And Federal Funds Sold | $2,104,000,000 | $2,103,000,000 | $2,793,000,000 | $4,807,000,000 |
| Debt | ||||
| Net Debt | $44,531,000,000 | $47,184,000,000 | $56,460,000,000 | $65,060,000,000 |
| Total Debt | $45,168,000,000 | $47,906,000,000 | $57,299,000,000 | $66,595,000,000 |
| Long Term Debt And Capital Lease Obligation | $40,898,000,000 | $43,918,000,000 | $53,154,000,000 | $62,431,000,000 |
| Long Term Debt | $40,898,000,000 | $43,918,000,000 | $53,154,000,000 | $62,431,000,000 |
| Current Debt And Capital Lease Obligation | $4,270,000,000 | $3,988,000,000 | $4,145,000,000 | $4,164,000,000 |
| Current Debt | $4,270,000,000 | $3,988,000,000 | $4,145,000,000 | $4,164,000,000 |
| Other Current Borrowings | $160,000,000 | $54,000,000 | $95,000,000 | $121,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $46,282,000,000 | $49,148,000,000 | $58,615,000,000 | $67,818,000,000 |
| Derivative Product Liabilities | $-40,000,000 | $-347,000,000 | $-287,000,000 | $-500,000,000 |
| Equity | ||||
| Common Stock Equity | $2,399,000,000 | $2,641,000,000 | $2,760,000,000 | $2,977,000,000 |
| Total Equity Gross Minority Interest | $2,399,000,000 | $2,641,000,000 | $2,760,000,000 | $2,977,000,000 |
| Stockholders Equity | $2,399,000,000 | $2,641,000,000 | $2,760,000,000 | $2,977,000,000 |
| Gains Losses Not Affecting Retained Earnings | $2,000,000 | $3,000,000 | $19,000,000 | $87,000,000 |
| Retained Earnings | $4,552,000,000 | $4,697,000,000 | $4,638,000,000 | $4,490,000,000 |
| Other | ||||
| Treasury Shares Number | $371,000,000 | $362,283,344 | $350,210,737 | $331,000,000 |
| Ordinary Shares Number | $95,673,865 | $103,025,557 | $113,504,311 | $130,000,000 |
| Share Issued | $466,673,865 | $465,308,901 | $463,715,048 | $461,000,000 |
| Tangible Book Value | $1,965,000,000 | $2,204,000,000 | $2,065,000,000 | $2,272,000,000 |
| Invested Capital | $47,567,000,000 | $50,547,000,000 | $60,059,000,000 | $69,572,000,000 |
| Total Capitalization | $43,297,000,000 | $46,559,000,000 | $55,914,000,000 | $65,408,000,000 |
| Treasury Stock | $5,562,000,000 | $5,443,000,000 | $5,254,000,000 | $4,917,000,000 |
| Additional Paid In Capital | $3,403,000,000 | $3,380,000,000 | $3,353,000,000 | $3,313,000,000 |
| Capital Stock | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Common Stock | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Commercial Paper | $4,110,000,000 | $3,934,000,000 | $4,050,000,000 | $4,043,000,000 |
| Investments And Advances | $166,000,000 | $143,000,000 | $146,000,000 | $167,000,000 |
| Available For Sale Securities | $166,000,000 | $143,000,000 | $146,000,000 | $167,000,000 |
| Goodwill | $428,000,000 | $428,000,000 | $670,000,000 | $670,000,000 |
| Net PPE | $23,000,000 | $52,000,000 | $62,000,000 | $74,000,000 |
| Minority Interest | - | - | - | $0 |
| Held To Maturity Securities | - | - | - | $60,000,000 |
Fetched: 2026-06-19
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $441,000,000 | $459,000,000 | $676,000,000 | $305,000,000 |
| Operating Activities | ||||
| Operating Cash Flow | $441,000,000 | $459,000,000 | $676,000,000 | $305,000,000 |
| Cash Flow From Continuing Operating Activities | $441,000,000 | $459,000,000 | $676,000,000 | $305,000,000 |
| Operating Gains Losses | $124,000,000 | $-166,000,000 | $155,000,000 | $-590,000,000 |
| Investing Activities | ||||
| Investing Cash Flow | $2,712,000,000 | $8,466,000,000 | $7,357,000,000 | $10,585,000,000 |
| Cash Flow From Continuing Investing Activities | $2,712,000,000 | $8,466,000,000 | $7,357,000,000 | $10,585,000,000 |
| Net Other Investing Changes | $-13,000,000 | $-6,000,000 | $5,000,000 | $96,000,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-111,000,000 | $-179,000,000 | $-310,000,000 | $-400,000,000 |
| Financing Cash Flow | $-3,152,000,000 | $-9,615,000,000 | $-10,047,000,000 | $-9,661,000,000 |
| Cash Flow From Continuing Financing Activities | $-3,152,000,000 | $-9,615,000,000 | $-10,047,000,000 | $-9,661,000,000 |
| Net Other Financing Charges | $88,000,000 | $-79,000,000 | $-101,000,000 | $89,000,000 |
| Cash Dividends Paid | $-63,000,000 | $-70,000,000 | $-78,000,000 | $-91,000,000 |
| Common Stock Dividend Paid | $-63,000,000 | $-70,000,000 | $-78,000,000 | $-91,000,000 |
| Net Common Stock Issuance | $-111,000,000 | $-179,000,000 | $-310,000,000 | $-400,000,000 |
| Other | ||||
| Repayment Of Debt | $-5,899,000,000 | $-10,393,000,000 | $-11,912,000,000 | $-12,596,000,000 |
| Issuance Of Debt | $2,833,000,000 | $1,106,000,000 | $2,354,000,000 | $3,337,000,000 |
| Interest Paid Supplemental Data | $2,563,000,000 | $3,238,000,000 | $3,431,000,000 | $1,904,000,000 |
| Income Tax Paid Supplemental Data | $26,000,000 | $38,000,000 | $57,000,000 | $30,000,000 |
| End Cash Position | $2,104,000,000 | $2,103,000,000 | $2,793,000,000 | $4,807,000,000 |
| Beginning Cash Position | $2,103,000,000 | $2,793,000,000 | $4,807,000,000 | $3,578,000,000 |
| Changes In Cash | $1,000,000 | $-690,000,000 | $-2,014,000,000 | $1,229,000,000 |
| Common Stock Payments | $-111,000,000 | $-179,000,000 | $-310,000,000 | $-400,000,000 |
| Net Issuance Payments Of Debt | $-3,066,000,000 | $-9,287,000,000 | $-9,558,000,000 | $-9,259,000,000 |
| Net Long Term Debt Issuance | $-3,066,000,000 | $-9,287,000,000 | $-9,558,000,000 | $-9,259,000,000 |
| Long Term Debt Payments | $-5,899,000,000 | $-10,393,000,000 | $-11,912,000,000 | $-12,596,000,000 |
| Long Term Debt Issuance | $2,833,000,000 | $1,106,000,000 | $2,354,000,000 | $3,337,000,000 |
| Net Business Purchase And Sale | $25,000,000 | $359,000,000 | $0 | $0 |
| Sale Of Business | $25,000,000 | $359,000,000 | $0 | $0 |
| Change In Working Capital | $93,000,000 | $212,000,000 | $136,000,000 | $133,000,000 |
| Change In Other Current Liabilities | $-38,000,000 | $-196,000,000 | $105,000,000 | $-266,000,000 |
| Change In Other Current Assets | $58,000,000 | $91,000,000 | $52,000,000 | $387,000,000 |
| Change In Payables And Accrued Expense | $-3,000,000 | $-31,000,000 | $29,000,000 | $159,000,000 |
| Change In Payable | $-3,000,000 | $-31,000,000 | $29,000,000 | $159,000,000 |
| Change In Account Payable | $-3,000,000 | $-31,000,000 | $29,000,000 | $159,000,000 |
| Change In Receivables | $76,000,000 | $348,000,000 | $-50,000,000 | $-147,000,000 |
| Changes In Account Receivables | $76,000,000 | $348,000,000 | $-50,000,000 | $-147,000,000 |
| Stock Based Compensation | $21,000,000 | $23,000,000 | $24,000,000 | $19,000,000 |
| Asset Impairment Charge | $3,000,000 | $146,000,000 | $10,000,000 | $19,000,000 |
| Gain Loss On Sale Of Business | $0 | $-191,000,000 | $0 | $0 |
| Net Income From Continuing Operations | $-80,000,000 | $131,000,000 | $228,000,000 | $645,000,000 |
| Purchase Of Business | - | - | $0 | $0 |
| Net Short Term Debt Issuance | - | - | - | - |
| Short Term Debt Payments | - | - | - | - |
Fetched: 2026-06-19