Navient (NAVI) Stock Price, News & Analysis

Company Overview

Navient is a U.S.-focused education finance company whose business has centered on managing student loan portfolios and providing loan servicing. Its services have included payment processing, borrower account support and repayment assistance for federal and private education loans, as well as asset-recovery and business-processing services.

The company was formed in 2014 through the separation of SLM Corporation, commonly known as Sallie Mae. Navient later transferred federal student loan servicing operations to other providers, including a transfer to Maximus in 2021 and an agreement to move its remaining federal servicing accounts to MOHELA in 2024. Its activities have also included managing private education loans and other legacy portfolios.

Key Stats

• Today's Range: $5.81 to $6.42
• 50-Day Range: $5.92 to $10.00
• 52-Week Range: $5.81 to $13.48
• Volume: 1.25 million shs
• Average Volume: 1.20 million shs
• Market Capitalization: $588.47 million
• P/E Ratio: 11.83
• Dividend Yield: 10.20%
• Price Target: $8.00
• Consensus Rating: Reduce

Navient Stock Analysis - MarketRank™

Navient scored higher than 96% of companies evaluated by MarketBeat, and ranked 83rd out of 852 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.8 / 5
• Analyst Rating: Reduce

Consensus Rating

Navient has received a consensus rating of Reduce. The company's average rating score is 1.50, and is based on no strong buy ratings, no buy ratings, 4 hold ratings, and 4 sell ratings.

Upside Potential

Navient has a consensus price target of $8.00, representing about 30.6% upside from its current price of $6.13.

Amount of Analyst Coverage

Navient has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 40.58%

Earnings Growth

Earnings for Navient are expected to grow by 40.58% in the coming year, from $0.69 to $0.97 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Navient is 11.56, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.60.

Price to Earnings Ratio vs. Sector

The P/E ratio of Navient is 11.56, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.00.

Price to Book Value per Share Ratio

Navient has a P/B Ratio of 0.24. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

18.09% of the float of Navient has been sold short.

Short Interest Ratio / Days to Cover

Navient has a short interest ratio ("days to cover") of 8.08.

Change versus previous month

Short interest in Navient has recently decreased by 5.32%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Navient is a leading dividend payer. It pays a dividend yield of 9.49%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Navient does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Navient is 120.75%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, Navient will have a dividend payout ratio of 65.98% next year. This indicates that Navient will be able to sustain or increase its dividend.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.09

News Sentiment

Navient has a news sentiment score of 0.09. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 24 news articles for Navient this week, compared to 4 articles on an average week.

Search Interest

Only 1 people have searched for NAVI on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 1.4 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Navient insiders have not sold or bought any company stock.

Percentage Held by Insiders

33.80% of the stock of Navient is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

97.14% of the stock of Navient is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 9/18 Dividend: 9/04/2026
• Ex-Dividend for 9/18 Dividend: 9/04/2026
• Dividend Payable: 9/18/2026
• Last Earnings: 11/04/2026
• Today: 11/12/2026
• Record date for 12/18 Dividend: 12/04/2026
• Ex-Dividend for 12/18 Dividend: 12/04/2026
• Dividend Payable: 12/18/2026
• Fiscal Year End: 12/31/2026
• Next Earnings (Estimated): 1/27/2027

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NASDAQ:NAVI
• Previous Symbol: NASDAQ:NAVIV
• CIK: 1593538
• Web: www.navient.com
• Phone: (302) 283-8000
• Fax: N/A
• Employees: 670
• Year Founded: 2014

Price Target and Rating

• Average Price Target for Navient: $8.00
• High Price Target: $9.00
• Low Price Target: $6.00
• Potential Upside/Downside: +30.7%
• Consensus Rating: Reduce
• Rating Score (0-4): 1.50
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.53
• Trailing P/E Ratio: 11.55
• Forward P/E Ratio: 6.31
• P/E Growth: N/A
• Net Income: -$80 million
• Net Margins: 1.79%
• Pretax Margin: 2.66%
• Return on Equity: 3.65%
• Return on Assets: 0.18%

Debt

• Debt-to-Equity Ratio: 15.37
• Current Ratio: 7.50
• Quick Ratio: 10.53

Sales & Book Value

• Annual Sales: $3.20 billion
• Price / Sales: 0.18
• Cash Flow: $1.11 per share
• Price / Cash Flow: 5.53
• Book Value: $25.96 per share
• Price / Book: 0.24

Miscellaneous

• Outstanding Shares: 93,780,000
• Free Float: 62,085,000
• Market Cap: $574.12 million
• Optionable: Optionable
• Beta: 1.17