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NAVINavient Corporation
$9.16$861M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
NAVI logo

Navient Corporation

NAVI
NASDAQ · Credit Services
$9.16
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$861M
P/E-11.3x
52W High$13.50
Volume1.28M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Provision Reversal Masks Shrinking Loan Book

Navient's Q2 2026 results reveal a company in transition, with a $537 million negative provision artificially boosting earnings to $25 million while total assets contracted 20% from $59.0B to $47.3B since Q1 2024. The core business remains challenged by a razo...

GrowthContracting
ProfitabilityStrained
ValuationExpensive
TechnicalsWeak
Explore valuation models
MARKET ACTION

NAVI price & volume

Price trend, volume and key moving averages

Launch Terminal
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Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

5/12 Beats

EPS beat 5 of last 12 quarters

02

Valuation risk

-169% Peers

P/E is 169% below peer median

03

Market leadership

RS 63 · Avg

Average momentum (RS Rating: 63)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Nov 6

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
NAVI-24.57%
S&P 500 (^GSPC)+12.39%
1-Year Return
NAVI-24.15%
S&P 500 (^GSPC)+15.77%
3-Year Return
NAVI-34.71%
S&P 500 (^GSPC)+72.52%
5-Year Return
NAVI-44.57%
S&P 500 (^GSPC)+68.82%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-11.3x
Forward P/E
12.1x
EV/EBITDA0th %ile
17.8x
FCF YieldCash Flow
51.2%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-11.3x
10.1x
0th· Low
EV/EBITDA
17.8x
84.9x
0th· Low
Price/FCF
2.0x
3.4x
0th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$647M-32.7% YoY
Net income
-$80M-161.1% YoY
Free cash flow
$441M-3.9% YoY
Operating margin
77.1%+73.0 pts YoY
ROIC (TTM)3.8%
Avg ROIC 5Y-
ROE (TTM)-3.2%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate5/12 (42%)
Revenue Beat Rate4/12 (33%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 6, 2026
$0.29+43.9%
vs $0.20
$147M+3.6%
vs $142M
Q2 2026
Apr 29, 2026
$0.20+17.6%
vs $0.17
$142M+0.0%
vs $142M
Q1 2026
Jan 28, 2026
$0.02-93.6%
vs $0.31
$144M-9.9%
vs $160M
Q4 2025
Oct 29, 2025
-$0.84-566.7%
vs $0.18
$161M-2.2%
vs $165M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
GlobeNewsWire·5d ago
Navient Completes $612.5 Million Securitization Backed by Private Education Loans

HERNDON, Va., Sept. 18, 2026 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) today announced the successful closing of its $612.5 million Navient Private Education Loan Trust (NAVSL) 2026-A transaction, the company's fourth student loan securitization of the year. NAVSL 2026-A represents Navient's first securitization designed to support investment by investors subject to the European Union's securitization regulation and the United Kingdom's securitization regulatory framework.

Defense World·5d ago
Engineers Gate Manager LP Raises Stock Position in Navient Corporation $NAVI

Engineers Gate Manager LP grew its stake in shares of Navient Corporation (NASDAQ: NAVI) by 329.5% in the second quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The firm owned 169,241 shares of the credit services provider's stock after acquiring an additional 129,841 shares

Defense World·Sep 8, 2026
Corient Private Wealth LP Invests $480,000 in Navient Corporation $NAVI

Corient Private Wealth LP bought a new stake in shares of Navient Corporation (NASDAQ: NAVI) during the second quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The fund bought 56,409 shares of the credit services provider's stock, valued at approximately $480,000. Corient Private Wealth LP

PRNewsWire·Sep 1, 2026
VINCI COMPASS COMPLETES THE ACQUISITION OF NAVI'S REAL ESTATE PLATFORM

RIO DE JANEIRO, Sept. 1, 2026 /PRNewswire/ -- Vinci Compass Investments Ltd.

Filtered for Navient CorporationMore Headlines
04

Compare before deciding

Benchmark NAVI against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Navient Corporation (NAVI)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
NAVI logoNAVINavient CorporationCurrent
$9.16$860.94M-11.31-32.67%-2.48%-3.17%6.95%
SLM logoSLMSLM Corporation
$23.61$4.44B6.827.32%23.97%30.31%—
ECPG logoECPGEncore Capital Group, Inc.
$94.47$2.03B8.6638.64%15.88%29.83%—
PRA logoPRAProAssurance Corporation
$25.00$1.29B25.25-2.67%6.04%4.95%—
PFSI logoPFSIPennyMac Financial Services, Inc.
$65.61$3.41B7.05339.48%13.68%9.14%—
OMF logoOMFOneMain Holdings, Inc.
$57.25$6.61B8.739.54%12.17%23.07%—

Compare NAVI vs Peers

Navient Corporation (NAVI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SLM

Most directly comparable listed peer for NAVI.

Scale Benchmark

vs GS

Larger-name benchmark to compare NAVI against a more recognizable public peer.

Peer Set

Compare Top 5

vs SLM, ECPG, PRA, PFSI

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

NAVI SEC Filings & Documents

Navient Corporation (NAVI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 6, 2026·SEC

Material company update

Jul 2, 2026·SEC

Material company update

Jun 5, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 26, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 7, 2026·SEC

FY 2026

Apr 29, 2026·SEC

FY 2025

Oct 29, 2025·SEC

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NAVI Frequently Asked Questions

Navient Corporation (NAVI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Navient Corporation growing?

Navient Corporation (NAVI) saw revenue decline by 32.7% over the past year.

Is NAVI profitable?

Navient Corporation (NAVI) reported a net loss of $49.0M for fiscal year 2025.

Dividend & Returns
Does NAVI pay dividends?

Yes, Navient Corporation (NAVI) pays a dividend with a yield of 6.95%. This makes it attractive for income-focused investors.

What is NAVI's return on equity?

Navient Corporation (NAVI) has a return on equity (ROE) of -3.2%. Negative ROE indicates the company is unprofitable.

Industry Metrics
What is Navient Corporation's net interest margin?

Navient Corporation (NAVI) has a net interest margin (NIM) of 1.1%. NIM has been under pressure due to interest rate environment.

What is Navient Corporation's efficiency ratio?

Navient Corporation (NAVI) has an efficiency ratio of 9.8%. This is excellent, indicating strong cost control.

What if you invested $1,000 in NAVI back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

See returns →