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
Employees
2,100
Headquarters
Website
Navient Metrics
BasicAdvanced
$1.2B
38.68
$0.31
1.37
$0.64
5.36%
Price and volume
Market cap
$1.2B
Beta
1.37
52-week high
$16.07
52-week low
$10.53
Average daily volume
888K
Dividend rate
$0.64
Financial strength
Current ratio
9.938
Quick ratio
9.871
Long term debt to equity
1,651.521
Total debt to equity
1,839.938
Dividend payout ratio (TTM)
203.03%
Profitability
Gross margin (TTM)
100.00%
Net profit margin (TTM)
5.65%
Operating margin (TTM)
3.77%
Effective tax rate (TTM)
34.00%
Revenue per employee (TTM)
$280,000
Management effectiveness
Return on assets (TTM)
0.06%
Return on equity (TTM)
1.24%
Valuation
Price to earnings (TTM)
38.685
Price to revenue (TTM)
2.126
Price to book
0.46
Price to tangible book (TTM)
0.56
Price to free cash flow (TTM)
6.366
Free cash flow yield (TTM)
15.71%
Free cash flow per share (TTM)
1.877
Dividend yield (TTM)
5.36%
Forward dividend yield
5.36%
Growth
Revenue change (TTM)
-43.41%
Earnings per share change (TTM)
-77.59%
3-year revenue growth (CAGR)
-33.52%
10-year revenue growth (CAGR)
-13.94%
3-year earnings per share growth (CAGR)
-56.75%
10-year earnings per share growth (CAGR)
-19.48%
10-year dividend per share growth (CAGR)
0.32%
What the Analysts think about Navient
Analyst ratings (Buy, Hold, Sell) for Navient stock.
Bulls say / Bears say
Navient’s Consumer Lending segment originated $500 million of private education loans in Q2 2025, up from $278 million a year earlier, demonstrating strong growth and successful strategic pivot to private lending. (Investing.com)
Operating expenses declined 45% year-over-year to $100 million in Q2 2025, reflecting effective cost controls following the divestiture of non-core businesses. (Investing.com)
The February 2025 sale of Navient’s government services business simplified the company’s structure, allowing management to focus on its core education finance segments. (Navient Investor Relations)
Navient’s provision for loan losses surged to $37 million in Q2 2025, up from $14 million a year earlier, reflecting higher credit costs that weighed on profitability. (Nasdaq)
Private Education Loan delinquencies greater than 30 days rose to 6.4% in Q2 2025 from 5.2% in Q2 2024, indicating deteriorating borrower performance and increased credit risk. (Nasdaq)
A $100 million borrower redress fund agreed with the CFPB remains in limbo due to halted CFPB operations, creating regulatory uncertainty and potential reputational risk. (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 2 Oct 2025.
Navient Financial Performance
Revenues and expenses
Navient Earnings Performance
Company profitability
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Navient stock?
Navient (NAVI) has a market cap of $1.2B as of October 12, 2025.
What is the P/E ratio for Navient stock?
The price to earnings (P/E) ratio for Navient (NAVI) stock is 38.68 as of October 12, 2025.
Does Navient stock pay dividends?
Yes, the Navient (NAVI) stock pays dividends to shareholders. As of October 12, 2025, the dividend rate is $0.64 and the yield is 5.36%. Navient has a payout ratio of 203.03% 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 1.37. 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.