Navient/$NAVI
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Navient
Navient Holdings Inc provides technology-enabled education finance solutions that simplify complex programs and help millions of people achieve success. The company operates its business in two segments: Federal Education Loans, and Consumer Lending. 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
- Finance
- Primary listing
- NASDAQ
- Employees
- 670
- Headquarters
- Herndon, United States
- Website
- www.navient.com
Navient Metrics
BasicAdvanced
$827M
16.52
$0.53
-
$0.64
7.26%
Price and volume
Market cap
$827M
52-week high
$9.45
52-week low
$8.25
Dividend rate
$0.64
Financial strength
Current ratio
7.501
Quick ratio
7.278
Long term debt to equity
15.371
Total debt to equity
17.733
Dividend payout ratio (TTM)
117.65%
Profitability
Gross margin (TTM)
100.00%
Net profit margin (TTM)
11.86%
Operating margin (TTM)
20.93%
Effective tax rate (TTM)
32.00%
Revenue per employee (TTM)
$640,000
Management effectiveness
Return on assets (TTM)
0.11%
Return on equity (TTM)
2.09%
Valuation
Price to earnings (TTM)
16.523
Price to revenue (TTM)
1.938
Price to book
0.34
Price to tangible book (TTM)
0.41
Price to free cash flow (TTM)
4.605
Free cash flow yield (TTM)
21.72%
Free cash flow per share (TTM)
1.915
Dividend yield (TTM)
7.26%
Forward dividend yield
7.26%
Growth
Revenue change (TTM)
-2.93%
Earnings per share change (TTM)
-205.45%
3-year revenue growth (CAGR)
-30.77%
10-year revenue growth (CAGR)
-15.23%
3-year earnings per share growth (CAGR)
-42.72%
10-year earnings per share growth (CAGR)
-13.97%
Bulls say / Bears say
Private-loan originations rose 63% year on year to $815 million in the second quarter, while operating expenses fell 18%. Core earnings increased to $27 million from $21 million, supporting the case that Navient’s shift towards growth lending and a leaner cost base is gaining traction. (SEC)
Private-loan credit indicators improved year on year: loans over 90 days delinquent fell to 2.4% from 3.0%, and the charge-off rate declined to 1.84% from 2.08%. Better credit performance could ease pressure on future loss provisions, although the company says delinquency and default levels remain elevated. (SEC)
Navient’s September student-loan securitisation was its fourth of the year, and the company said investor demand was strong. Access to securitisation funding supports its ability to finance new lending as it grows Earnest. (Nasdaq)
Navient’s planned restructuring could leave unsecured creditors with less access to cash flows from its growth business. Bloomberg reported a sharp jump in the cost of insuring its debt, while S&P moved its outlook to negative, raising the risk that funding becomes costlier or less available. (Bloomberg, Investing.com)
Private-loan credit remains a risk despite recent improvement: Navient built reserves for portfolio performance trends and said delinquency and default levels were still elevated. A further deterioration could bring higher loss provisions and weigh on earnings. (SEC)
The legacy federal-loan portfolio is running down and contributing less income. Federal Education Loans net income fell to $26 million from $30 million year on year, with lower interest income linked to portfolio paydowns. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 31 Oct 2026.
Upcoming events
No upcoming events
Funds containing Navient
Fund name | Fund size | $NAVI weighting |
|---|---|---|
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.05% |
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.03% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.03% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.02% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.02% |
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