Navient Corporation

NAVI

NASDAQ · Consumer Finance

$8.42

At close - Nov 6, 4:00 PM EST - USD

Market Cap$791M

P/E-16.5x

52W High$13.48

Volume1.94M

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.

GrowthContracting

ProfitabilityStrained

ValuationExpensive

TechnicalsWeak

Explore valuation models

MARKET ACTION

NAVI price & volume

Price trend, volume and key moving averages

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Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return

NAVI-30.36%

S&P 500 (^GSPC)+7.63%

1-Year Return

NAVI-22.37%

S&P 500 (^GSPC)+9.69%

3-Year Return

NAVI-39.53%

S&P 500 (^GSPC)+64.23%

5-Year Return

NAVI-42.81%

S&P 500 (^GSPC)+52.50%

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis

Trailing P/E5Y Low

-16.5x

Forward P/E

10.7x

EV/EBITDA20th %ile

40.5x

FCF YieldCash Flow

43.0%

Valuation vs 5-Year History

Multiple Range

Metric

Current

5Y Median

Historical Range

Percentile

P/E

-16.5x

10.1x

0th· Low

EV/EBITDA

40.5x

84.9x

20th· Low

Price/FCF

2.3x

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 FY25

$647M-32.7% YoY

Net income FY25

-$80M-161.1% YoY

Free cash flow FY25

$441M-3.9% YoY

Operating margin FY25

385%+366.9 pts YoY

ROIC (FY25)3.8%

Avg ROIC 5Y1.2%

ROE (TTM)-2%

Piotroski Score6 / 9

Financial Statements →

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%)

Quarter	EPS (Act vs Est)	Revenue (Act vs Est)
Q4 2026Latest Nov 4, 2026	$0.03-76.4% vs $0.13	$308M+112.5% vs $145M
Q3 2026 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

Historical baseline: 12 quarters analyzedGAAP / Adjusted

MARKET COVERAGE

Latest News

4 Stories

Seeking Alpha·1d ago

Navient Holdings, Inc. (NAVI) Q3 2026 Earnings Call Transcript

Navient Holdings, Inc. ( NAVI ) Q3 2026 Earnings Call November 4, 2026 5:00 PM EST Company Participants Roger Yankoupe - Senior VP, Treasurer & Head of Investor Relations Edward Bramson - CEO, President & Chairman of the Board Stephen Hauber - Executive VP, Principal Accounting Officer & CFO Conference Call Participants William Ryan - Seaport Research Partners Richard Shane - JPMorgan Chase & Co, Research Division John Hecht - Jefferies LLC, Research Division Jeffrey Adelson - Morgan Stanley, Research Division Moshe Orenbuch - TD Cowen, Research Division Presentation Operator Good afternoon, and welcome to the Navient Third Quarter 2026 Earnings Conference Call. This call is being recorded.

Zacks Investment Research·3d ago

Navient (NAVI) Reports Q3 Earnings: What Key Metrics Have to Say

Although the revenue and EPS for Navient (NAVI) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Zacks Investment Research·3d ago

Navient (NAVI) Misses Q3 Earnings and Revenue Estimates

Navient (NAVI) came out with quarterly earnings of $0.03 per share, missing the Zacks Consensus Estimate of $0.15 per share. This compares to earnings of $0.29 per share a year ago.

GlobeNewsWire·3d ago

Navient posts third quarter 2026 financial results

HERNDON, Va., Nov. 04, 2026 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) today posted its 2026 third quarter financial results.

Filtered for Navient CorporationMore Headlines

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)

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Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
NAVINavient CorporationCurrent	$8.42	$791.39M	-16.50	-32.67%	-8.91%	-2.04%	7.56%
SLMSLM Corporation	$16.94	$3.18B	5.54	7.32%	31.69%	23.59%	19.95%
ECPGEncore Capital Group, Inc.	$114.14	$2.45B	7.24	38.64%	20.75%	33.67%	—
PFSIPennyMac Financial Services, Inc.	$65.59	$3.41B	14.52	55.29%	5.44%	5.54%	1.77%
OMFOneMain Holdings, Inc.	$56.09	$6.48B	8.45	9.54%	14.72%	22.64%	4.62%
PRDOPerdoceo Education Corporation	$26.88	$1.69B	9.36	24.2%	21.06%	17.93%	2.07%

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, PFSI, OMF

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

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

FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 26, 2024·SEC

10-Q Quarterly Reports

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) revenue fell by 25.7% over the trailing twelve months, compared with the twelve months before.

Is NAVI profitable?

No. Navient Corporation (NAVI) reported a net loss of $49.0M over the trailing twelve months.

Dividend & Returns

Does NAVI pay dividends?

Yes. Navient Corporation (NAVI) pays a dividend that yields 7.56% at the current price, a high yield.

What is NAVI's return on equity?

Navient Corporation (NAVI) had a return on equity (ROE) of -2.0% over the trailing twelve months. A negative ROE means the company lost money over the period.

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 49.0%. 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 →

Quarter

EPS (Act vs Est)

Revenue (Act vs Est)

Q4 2026Latest

Nov 4, 2026

$0.03-76.4%

vs $0.13

$308M+112.5%

vs $145M

Q3 2026

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

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

NAVINavient CorporationCurrent

$8.42

$791.39M

-16.50

-32.67%

-8.91%

-2.04%

7.56%

SLMSLM Corporation

$16.94

$3.18B

5.54

7.32%

31.69%

23.59%

19.95%

ECPGEncore Capital Group, Inc.

$114.14

$2.45B

7.24

38.64%

20.75%

33.67%

—

PFSIPennyMac Financial Services, Inc.

$65.59

$3.41B

14.52

55.29%

5.44%

5.54%

1.77%

OMFOneMain Holdings, Inc.

$56.09

$6.48B

8.45

9.54%

14.72%

22.64%

4.62%

PRDOPerdoceo Education Corporation

$26.88

$1.69B

9.36

24.2%

21.06%

17.93%

2.07%