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
Primary listing

Industry

Consumer Finance

Employees

2,100

ISIN

US63938C1080

Navient Metrics

BasicAdvanced
$1.4B
27.65
$0.52
1.26
$0.64
4.47%

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
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Navient Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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