Navient Corporation
NAVI · Price history
Price at last available close
$8.14
−$0.93 (-10.25%) 1M
2026-10-28
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Company & revenue
About Navient Corporation
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Navient Corporation specializes in managing education loans and delivering comprehensive business processing services. Its clientele spans the education, healthcare, and government sectors, serving federal, state, and local entities across the United States. The company's operations are divided into three primary segments: Federal Education Loans, Consumer Lending, and Business Processing.
How they make money
Navient generates revenue primarily through its consumer lending business, Earnest, which provides private education loan refinancing and personal loans. The company also earns interest income from its legacy portfolio of education loans and receives fees for servicing loan portfolios, while managing costs through a variable expense model.
Products & services
Navient provides digital financial services, including private student loan refinancing and personal loans through its Earnest brand, alongside education loan portfolio management and servicing.
Brands & revenue mix
Digital financial services brand focused on student loan refinancing and personal loans.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
- Individual consumer borrowersSource
Customer concentration
Navient's revenue is primarily derived from individual consumer borrowers through its Earnest lending platform and legacy education loan portfolios as of the period ended 2025-12-31.
Suppliers, materials & equipment
- Third-party service providers — The company utilizes third-party vendors for loan servicing and technology infrastructure support; specific supplier names are unnamed.Source
Business relationships & partnerships
- Third-party servicing partner — Navient outsourced its loan servicing operations to a third-party partner in July 2024 to implement a variable expense model.Source
Competitors
Strengths
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
27
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
28
Poor
Financial Strength
31
Business Quality / Moat
48
Management
14
Growth Quality
5
Risk / Durability
32
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
36
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
40/100
Building Historical Record
Model Score 40/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Recent buyback activity is present
- •Elevated debt risk
- •M&A headline · Sep 1, 2026
- •M&A headline · Aug 11, 2026
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for NAVI
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving NAVI's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is NAVI's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is NAVI's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •What specifically needs to improve for NAVI to reach sustainable profitability?
- •What future growth or profitability would be needed to justify NAVI's current valuation?
Essential Investment Snapshot
Wall Street Score
27
Opportunity Score
36
Market Cap
$763.4M
P/E Ratio
-18.4
EPS
$-0.49
52-Week High
$16.07
52-Week Low
$7.33
Beta
1.17
Analyst Target
$8.50
Shares Outstanding
99.0M
Total Revenue
$2.94B
Total Debt
$44.34B
Dividend Yield (TTM)
7.86%
Liquidation Value / Share
$24.22
Dividend / Share (TTM)
$0.64
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for NAVI
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
M&A headline · Sep 1, 2026
VINCI COMPASS COMPLETES THE ACQUISITION OF NAVI'S REAL ESTATE PLATFORM — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
PRNewsWireM&A headline · Aug 11, 2026
VINCI COMPASS REPORTS SECOND QUARTER 2026 EARNINGS RESULTS AND ANNOUNCES THE ACQUISITION OF NAVI'S REAL ESTATE PLATFORM — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
PRNewsWireCommunity Sentiment
0 active · 0 total callsNo personal call yet on NAVI.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Decades of education finance and portfolio management expertise.
- +Established digital financial services platform via Earnest.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Cash covers less than 20% of total debt.
- −Interest rate volatility affecting net interest margin.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
27
Oct 1, 2026
Change
Unchanged
Current Score
27
Oct 8, 2026
Category Changes
NAVI score was unchanged.
Projected Score
Projected Score
32
Projected Change
+5.2 points
Preliminary comparable-period financial changes suggest improvement of approximately 5.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Valuation unavailableCurrent Price
$8.14
Model Intrinsic Value
—
Difference
—
Margin of Safety
—
Intrinsic value is not currently available for this stock, so valuation can't be calculated.
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.94B | $3.23B | $4.23B | $4.84B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $1.49B | $421.0M | $3.39B | $3.68B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $1.45B | $2.81B | $848.0M | $1.16B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $121.0M | $0.00 | $316.0M | $401.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $359.0M | $317.0M | $674.0M | $843.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $1.08B | $2.47B | $174.0M | $313.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $1.09B | $2.49B | $174.0M | $313.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $2.39B | $2.58B | $3.27B | $3.56B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | -$53.0M | -$111.0M | $174.0M | $313.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | -$4.0M | -$31.0M | $43.0M | $85.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | -$49.0M | -$80.0M | $131.0M | $228.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $-0.49 | $-0.81 | $1.20 | $1.87 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 95.00M | 99.00M | 109M | 122M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 96.00M | 99.00M | 111M | 123M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$682.0M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.26
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-6.0%
Cash Change
+200.4%
Margin Change
+1.9 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Cash position grew
- Debt reduced
Potential Score Impact
Positive indicators included EPS growth, cash levels, debt levels, net income margin. Pressure indicators included revenue growth. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 15.4%. EPS increased 85.7%. Cash increased 200.4%. Total debt declined 6.0%. Net income margin improved by 1.9 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - Credit ServicesNews
Navient (NAVI) Expected to Beat Earnings Estimates: Should You Buy?
Navient to announce third quarter 2026 results, host earnings webcast November 4
Navient names Diane Offereins as new board member
Navient Completes $612.5 Million Securitization Backed by Private Education Loans
Rumor Mill · NAVI
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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