Navient (NAVI) Stock Price, News & Analysis

Company Overview

Navient Corporation (NASDAQ: NAVI) is a U.S.-based provider of education finance and business processing solutions. The company’s activities include originating and servicing private education loans, providing loan asset management services, and supporting government and commercial clients with administrative and customer-service functions.

Navient traces its history to the creation of the Student Loan Marketing Association, commonly known as Sallie Mae, in 1972. In 2014, Sallie Mae separated its consumer banking and education-finance operations from its government-guaranteed student loan servicing business. The education-finance company adopted the Navient name, while the consumer banking business became Sallie Mae.

Navient primarily serves borrowers, educational institutions, government entities and other organizations in the United States. The company previously serviced a large portfolio of federal student loans, but its federal servicing operations were transferred to other providers in 2021. Navient now emphasizes private education lending, loan servicing and related business processing activities.

Key Stats

• Today's Range: $9.05 to $9.33
• 50-Day Range: $8.23 to $10.00
• 52-Week Range: $7.33 to $13.50
• Volume: 201,983 shs
• Average Volume: 1.13 million shs
• Market Capitalization: $850.12 million
• P/E Ratio: N/A
• Dividend Yield: 7.06%
• Price Target: $9.14
• Consensus Rating: Reduce

Navient Stock Analysis - MarketRank™

Navient scored higher than 46% of companies evaluated by MarketBeat, and ranked 633rd out of 851 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: 1.4 / 5
• Analyst Rating: Reduce

Consensus Rating

Navient has received a consensus rating of Reduce. The company's average rating score is 1.56, and is based on no strong buy ratings, no buy ratings, 5 hold ratings, and 4 sell ratings.

Upside/Downside

The consensus price target for Navient is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Navient has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 24.36%

Earnings Growth

Earnings for Navient are expected to grow by 24.36% in the coming year, from $0.78 to $0.97 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Navient is -18.27, 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 -18.27, 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: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

19.33% 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 9.39.

Change versus previous month

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

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Navient is a leading dividend payer. It pays a dividend yield of 6.75%, 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 65.98% next year. This indicates that Navient will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 0.68

News Sentiment

Navient has a news sentiment score of 0.68. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for Navient this week, compared to 4 articles on an average week.

Search Interest

2 people have searched for NAVI on MarketBeat in the last 30 days. This is an increase of 100% 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

• Last Earnings: 8/06/2026
• Record date for 9/18 Dividend: 9/04/2026
• Ex-Dividend for 9/18 Dividend: 9/04/2026
• Dividend Payable: 9/18/2026
• Today: 9/25/2026
• Next Earnings (Estimated): 10/28/2026
• 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: $9.14
• High Price Target: $14.50
• Low Price Target: $7.00
• Potential Upside/Downside: +0.4%
• Consensus Rating: Reduce
• Rating Score (0-4): 1.56
• Research Coverage: 9 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.50)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 11.67
• 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: $3.20 billion
• Price / Sales: 0.27
• Cash Flow: $1.17 per share
• Price / Cash Flow: 7.77
• Book Value: $24.60 per share
• Price / Book: 0.37

Miscellaneous

• Outstanding Shares: 93,780,000
• Free Float: 62,085,000
• Market Cap: $853.87 million
• Optionable: Optionable
• Beta: 1.18