Navient/$NAVI
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About Navient
Navient Corp provides technology-enabled education finance solutions that simplify complex programs and help millions of people achieve success. The company operates its business in three segments: Federal Education Loans, Consumer Lending, and Business Processing. A majority of its revenue is generated from the Federal Education Loans segment, in which the company owns and manages the Federal Family Education Loan Program (FFELP) loans, generating revenue mainly in the form of net interest income. The Consumer Lending segment owns and manages private education loans and is the master servicer for these portfolios. Through its Earnest brand, the company also refinances and originates in-school private educational loans.
Ticker
$NAVI
Sector
Primary listing
Industry
Consumer Finance
Headquarters
Employees
2,100
ISIN
US63938C1080
Website
Navient Metrics
BasicAdvanced
$1.4B
27.65
$0.52
1.26
$0.64
4.47%
Price and volume
Market cap
$1.4B
Beta
1.26
52-week high
$16.97
52-week low
$10.53
Average daily volume
590K
Dividend rate
$0.64
Financial strength
Current ratio
9.884
Quick ratio
9.597
Long term debt to equity
1,655.929
Total debt to equity
1,850.792
Dividend payout ratio (TTM)
121.43%
Profitability
Gross margin (TTM)
100.57%
Net profit margin (TTM)
8.01%
Operating margin (TTM)
9.87%
Effective tax rate (TTM)
30.86%
Revenue per employee (TTM)
$330,000
Management effectiveness
Return on assets (TTM)
0.10%
Return on equity (TTM)
2.09%
Valuation
Price to earnings (TTM)
27.646
Price to revenue (TTM)
2.182
Price to book
0.56
Price to tangible book (TTM)
0.67
Price to free cash flow (TTM)
4.382
Free cash flow yield (TTM)
22.82%
Free cash flow per share (TTM)
327.00%
Dividend yield (TTM)
4.47%
Forward dividend yield
4.47%
Growth
Revenue change (TTM)
-36.16%
Earnings per share change (TTM)
-67.31%
3-year revenue growth (CAGR)
-30.27%
10-year revenue growth (CAGR)
-12.93%
3-year earnings per share growth (CAGR)
-48.00%
10-year earnings per share growth (CAGR)
-15.91%
10-year dividend per share growth (CAGR)
0.48%
What the Analysts think about Navient
Analyst ratings (Buy, Hold, Sell) for Navient stock.
Bulls say / Bears say
Navient's recent divestiture of its Government Services business allows the company to focus on core operations in education finance and business processing solutions, potentially enhancing operational efficiency and financial performance. (Navient Newsroom)
The resolution of a $120 million settlement with the Consumer Financial Protection Bureau removes a significant regulatory overhang, potentially improving investor sentiment and reducing future legal expenses. (Investing.com)
Navient's strategic cost-cutting initiatives, including outsourcing servicing to MOHELA and streamlining its organizational structure, are expected to lower expenses and drive bottom-line growth. (Nasdaq)
Elevated repayment rates could lead to a faster-than-expected runoff of Navient's loan portfolio, potentially reducing the company's interest income over time. (Investing.com)
Navient's high debt burden, with total debt of $50 billion compared to cash and cash equivalents of $1.14 billion as of September 30, 2024, raises concerns about its ability to manage debt obligations in the long term. (Nasdaq)
The company's capital distribution activities, including a dividend payout ratio of 31% and a debt-to-equity ratio significantly higher than the industry average, may not be sustainable given its current financial position. (Nasdaq)
Data summarised monthly by Lightyear AI. Last updated on 8 Jun 2025.
Navient Financial Performance
Revenues and expenses
Navient Earnings Performance
Company profitability
Navient News
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FAQs
What’s the current market cap for Navient stock?
Navient (NAVI) has a market cap of $1.4B as of June 27, 2025.
What is the P/E ratio for Navient stock?
The price to earnings (P/E) ratio for Navient (NAVI) stock is 27.65 as of June 27, 2025.
Does Navient stock pay dividends?
Yes, the Navient (NAVI) stock pays dividends to shareholders. As of June 27, 2025, the dividend rate is $0.64 and the yield is 4.47%. Navient has a payout ratio of 121.43% on a trailing twelve-month basis.
When is the next Navient dividend payment date?
The next Navient (NAVI) dividend payment date is unconfirmed.
What is the beta indicator for Navient?
Navient (NAVI) has a beta rating of 1.26. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.