Navient (NAVI) Stock Price, News & Analysis

Company Overview

Navient Corporation (NASDAQ: NAVI) is a specialized provider of education loan management and business processing services. Established as a spin-off from Sallie Mae in 2014, the company focuses on servicing federal and private student loans under contracts with the U.S. Department of Education as well as private education lenders. Navient’s core activities include loan servicing, customer outreach, repayment support, and default prevention strategies designed to help borrowers navigate repayment options and manage their debt effectively.

In addition to its flagship loan servicing operations, Navient offers asset recovery and business process outsourcing solutions to clients across the education, healthcare, and finance sectors. Through its business processing segment, the company delivers back-office support such as billing and collections, vendor management, and customer care services. These capabilities enable Navient to generate diversified revenue streams beyond its education lending heritage.

Headquartered in Wilmington, Delaware, Navient primarily serves borrowers and institutional clients within the United States. Over the years, the company has enhanced its digital platforms and self-service tools to streamline account management, online payments, and servicer-borrower communications. Its technology investments aim to improve efficiency, reduce costs, and elevate the customer experience for a broad spectrum of loan types and repayment plans.

Leadership at Navient is helmed by President and Chief Executive Officer Jack Remondi, who has guided the company through strategic initiatives since its formation. Under Remondi’s direction, Navient has pursued operational excellence and risk-management practices to support regulatory compliance and deliver value to both borrowers and institutional partners.

Key Stats

• Today's Range: $13.84 to $14.54
• 50-Day Range: $12.98 to $15.59
• 52-Week Range: $10.53 to $16.97
• Volume: 1.35 million shs
• Average Volume: 770,011 shs
• Market Capitalization: $1.43 billion
• P/E Ratio: 28.26
• Dividend Yield: 4.53%
• Price Target: $13.71
• Consensus Rating: Reduce

Navient Stock Analysis - MarketRank™

Navient scored higher than 89% of companies evaluated by MarketBeat, and ranked 180th out of 933 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 1.88, and is based on no buy ratings, 4 hold ratings, and 3 sell ratings.

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: 35.58%

Earnings Growth

Earnings for Navient are expected to grow by 35.58% in the coming year, from $1.04 to $1.41 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Navient is 28.26, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 26.50.

Price to Earnings Ratio vs. Sector

The P/E ratio of Navient is 28.26, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.15.

Price to Book Value per Share Ratio

Navient has a P/B Ratio of 0.57. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

7.68% 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 9.9.

Change versus previous month

Short interest in Navient has recently decreased by 0.40%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Navient is a leading dividend payer. It pays a dividend yield of 4.45%, 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 128.00%. 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 45.39% next year. This indicates that Navient will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.9 / 5
• Environmental Score: -0.11

Percentage of Shares Shorted

7.68% 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 9.9.

Change versus previous month

Short interest in Navient has recently decreased by 0.40%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.48

News Sentiment

Navient has a news sentiment score of 0.48. 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 0.91 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 8 news articles for Navient this week, compared to 6 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 0% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 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

31.17% 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.

NAVI Stock Analysis - Frequently Asked Questions

How have NAVI shares performed this year?

Navient's stock was trading at $13.29 at the start of the year. Since then, NAVI shares have increased by 6.3% and is now trading at $14.13.

How were Navient's earnings last quarter?

Navient Corporation (NASDAQ:NAVI) announced its earnings results on Wednesday, April, 30th. The credit services provider reported $0.28 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.19 by $0.09. The credit services provider earned $156 million during the quarter, compared to analyst estimates of $150.40 million. Navient had a trailing twelve-month return on equity of 5.20% and a net margin of 1.37%.

Does Navient have any subsidiaries?

Navient subsidiaries include these companies: Earnest, and Duncan Solutions.

Who are Navient's major shareholders?

Top institutional shareholders of Navient include Wedge Capital Management L L P NC (0.06%), State of Alaska Department of Revenue (0.04%), Robeco Institutional Asset Management B.V. (0.03%) and Kendall Capital Management (0.03%). Insiders that own company stock include John M Kane, Mark L Heleen and Stephen M Hauber.
View institutional ownership trends.

How do I buy shares of Navient?

Shares of NAVI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Navient own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Navient investors own include NVIDIA (NVDA), Advanced Micro Devices (AMD), Tesla (TSLA), Meta Platforms (META), JPMorgan Chase & Co. (JPM), Netflix (NFLX) and Home Depot (HD).

Company Calendar

• Last Earnings: 4/30/2025
• Record date for 6/20 Dividend: 6/06/2025
• Ex-Dividend for 6/20 Dividend: 6/06/2025
• Dividend Payable: 6/20/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 7/30/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - CONS LOANS
• Sub-Industry: Trading
• Current Symbol: NASDAQ:NAVI
• Previous Symbol: NASDAQ:NAVIV
• CIK: 1593538
• Web: www.navient.com
• Phone: (302) 283-8000
• Fax: N/A
• Employees: 2,100
• Year Founded: 2014

Price Target and Rating

• Average Price Target for Navient: $13.71
• High Price Target: $16.50
• Low Price Target: $11.00
• Potential Upside/Downside: -2.9%
• Consensus Rating: Reduce
• Rating Score (0-4): 1.88
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.50
• Trailing P/E Ratio: 28.26
• Forward P/E Ratio: 13.59
• P/E Growth: N/A
• Net Income: $131 million
• Net Margins: 1.37%
• Pretax Margin: 1.98%
• Return on Equity: 5.20%
• Return on Assets: 0.26%

Debt

• Debt-to-Equity Ratio: 16.56
• Current Ratio: 9.88
• Quick Ratio: 9.88

Sales & Book Value

• Annual Sales: $4.43 billion
• Price / Sales: 0.32
• Cash Flow: $2.92 per share
• Price / Cash Flow: 4.84
• Book Value: $24.60 per share
• Price / Book: 0.57

Miscellaneous

• Outstanding Shares: 101,150,000
• Free Float: 69,622,000
• Market Cap: $1.43 billion
• Optionable: Optionable
• Beta: 1.40