Navient (NAVI) Stock Price, News & Analysis

Company Overview

Navient Corp. (NASDAQ:NAVI) is a financial services company that provides education finance and business-processing solutions. The company has historically serviced and managed federal and private student loans, helping borrowers with account administration, repayment processing, customer support and related loan-management services.

Navient’s operations have evolved as the company reduced its role in servicing federally owned student loans. In 2021, it transferred its federal student loan servicing portfolio to Aidvantage, a division of Maximus. Navient subsequently continued to manage private education loans and certain loans made through older federal programs, while pursuing a more focused business strategy.

Through its education finance activities, Navient has served borrowers in the United States. The company’s history dates to its separation from SLM Corp., commonly known as Sallie Mae, in 2014. Navient has also provided business-processing and other support services connected with loan administration. Its services are primarily delivered through digital account-management tools, call centers and other borrower-support channels.

Key Stats

• Today's Range: $8.31 to $9.16
• 50-Day Range: $8.14 to $10.00
• 52-Week Range: $7.33 to $13.48
• Volume: 920,974 shs
• Average Volume: 1.17 million shs
• Market Capitalization: $815.92 million
• P/E Ratio: N/A
• Dividend Yield: 7.36%
• Price Target: $8.17
• Consensus Rating: Reduce

Navient Stock Analysis - MarketRank™

Navient scored higher than 39% of companies evaluated by MarketBeat, and ranked 568th out of 844 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: 1.9 / 5
• Analyst Rating: Reduce

Consensus Rating

Navient has received a consensus rating of Reduce. The company's average rating score is 1.75, and is based on 1 strong buy rating, no buy ratings, 3 hold ratings, and 4 sell ratings.

Downside Risk

Navient has a consensus price target of $8.17, representing about 9.1% downside from its current price of $8.99.

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: 2.5 / 5
• Proj. Earnings Growth: 19.28%

Earnings Growth

Earnings for Navient are expected to grow by 19.28% in the coming year, from $0.83 to $0.99 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Navient is -17.97, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Navient is -17.97, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Navient has a P/B Ratio of 0.37. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 0.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

19.10% 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 10.26, which indicates bearish sentiment.

Change versus previous month

Short interest in Navient has recently increased by 2.37%, indicating that investor sentiment is decreasing.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Navient is a leading dividend payer. It pays a dividend yield of 7.11%, 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 Sustainability

Based on earnings estimates, Navient will have a dividend payout ratio of 64.65% next year. This indicates that Navient will be able to sustain or increase its dividend.

News and Social Media

• Score: 1.1 / 5
• News Sentiment: -0.26

News Sentiment

Navient has a news sentiment score of -0.26. 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 0.59 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 13 news articles for Navient this week, compared to 3 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: 11/05/2026
• Fiscal Year End: 12/31/2026

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: $8.17
• High Price Target: $9.00
• Low Price Target: $7.00
• Potential Upside/Downside: -6.3%
• Consensus Rating: Reduce
• Rating Score (0-4): 1.75
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.50)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 8.80
• P/E Growth: N/A
• Net Income: -$80 million
• Net Margins: -1.64%
• Pretax Margin: -1.77%
• Return on Equity: 4.68%
• Return on Assets: 0.23%

Debt

• Debt-to-Equity Ratio: 16.73
• Current Ratio: 10.53
• Quick Ratio: 10.53

Sales & Book Value

• Annual Sales: $601 million
• Price / Sales: 1.36
• Cash Flow: $1.29 per share
• Price / Cash Flow: 6.77
• Book Value: $24.60 per share
• Price / Book: 0.35

Miscellaneous

• Outstanding Shares: 93,784,000
• Free Float: 62,085,000
• Market Cap: $817.33 million
• Optionable: Optionable
• Beta: 1.17