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Navient Corporation (NAVI)

Profile

Full Name

Navient Corporation

Ticker

NASDAQ: NAVI

Exchange

NASDAQ

Sector

Financial Services

Industry

Credit Services

Country

United States

IPO

April 17, 2014

Indexes

Not included

Website

https://www.navient.com

Employees

2100

Key Details

Price

$12.87(-2.43%)

Market cap

Last Dividend

$0.16

TTM Dividend yield

4.97%

Annual revenue

$4.25B(-13.52% YoY)

Annual EPS

$1.18(-36.22% YoY)

PE ratio

41.52

Next earnings date

Oct 29, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $12.87
    NAVI price is $12.87

    30-Day Relative Volume

    0.73
    NAVI 30-day relative volume is 0.73

    Price Performance

    Price Most recent change

    -2.43%
    NAVI price was down -2.43% on Sep 12, 2025

    Price YTD change

    -3.16%
    NAVI price is down -3.16% since January 1st

    Price 1-year change

    -16.75%
    NAVI price is down -16.75% year-on-year

    Price 3-year change

    -11.49%
    NAVI price is down -11.49% over the past 3 years

    Price Range

    Price All-time high

    $23.80
    NAVI price is currently -45.92% below its historical high of $23.80

    Price 3-year low

    $10.53
    NAVI price is currently +22.22% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $1.28B
    NAVI market capitalization is $1.28 billion

    Market cap 3-year change

    -37.97%
    NAVI market capitalization is down -37.97% over the past 3 years

    Market cap All-time high

    $9.26B
    NAVI market capitalization is currently -86.18% below its historical high of $9.26 billion

    Market cap sector rank

    64.69%
    NAVI market capitalization is higher than 64.69% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    -9.12%
    NAVI shares outstanding is down -9.12% year-on-year

    Shares Outstanding 3-Year Change

    -29.92%
    NAVI shares outstanding is down -29.92% over the past 3 years

    Technical Indicators

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    Beta

    1.12
    NAVI beta is 1.12

    200-day SMA

    $13.54
    NAVI price is currently -4.95% below its 200-day simple moving average

    50-day SMA

    $13.66
    NAVI price is currently -5.78% below its 50-day simple moving average

    RSI

    39.15
    NAVI 14-day relative strength index is 39.15

    Volume

    0.73
    NAVI 30-day relative volume is 0.73

    ATR

    $0.39
    NAVI average true range is $0.39

    10-day Historical Volatility

    23.03%
    NAVI 10-day historical volatility is 23.03%

    Dividend

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    Events

    Last Paid Dividend

    $0.16
    NAVI last dividend was $0.16 per share, with an ex-dividend date of September 5, 2025

    Next Dividend

    -
    NAVI next dividend has not yet been announced

    Dividend per share

    Dividend per share

    $0.64
    NAVI annual dividend per share is $0.64

    Dividend per share Sector Rank

    32.98%
    NAVI annual dividend per share is higher than 32.98% of companies in Financial Services sector

    Dividend per share 1-Year Change

    0%
    NAVI annual dividend per share has remained unchanged year-on-year

    Dividend per share 3-Year Change

    0%
    NAVI annual dividend per share has remained unchanged over the past 3 years

    Dividend yield

    Dividend yield

    4.97%
    NAVI annual dividend yield is 4.97%

    Dividend yield Sector Rank

    56.69%
    NAVI annual dividend yield is higher than 56.69% of companies in Financial Services sector

    Other

    Payout ratio

    -53.44%
    NAVI annual payout ratio is -53.44%

    Dividends paid

    -$70.00M
    NAVI annual dividends paid is -$70.00 million

    Free cash flow

    $459.00M
    NAVI annual free cash flow is $459.00 million

    Income Statement

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    Revenue

    Revenue

    $4.25B
    NAVI annual revenue is $4.25 billion

    Revenue Analysts estimate

    $597.20M
    NAVI annual revenue is currently +612.49% higher than the consensus analysts' forecast

    Revenue 1-year change

    -13.52%
    NAVI annual revenue is down -13.52% year-on-year

    Revenue Sector rank

    88.99%
    NAVI annual revenue is higher than 88.99% of companies in Financial Services sector

    EPS

    EPS

    $1.18
    NAVI annual earnings per share is $1.18

    EPS Analysts estimate

    $0.99
    NAVI annual earnings per share is currently +19.71% higher than the consensus analysts' forecast

    EPS 1-year change

    -36.22%
    NAVI annual earnings per share is down -36.22% year-on-year

    EPS Sector rank

    55.46%
    NAVI annual earnings per share is higher than 55.46% of companies in Financial Services sector

    Profit

    Gross profit

    $3.66B
    NAVI annual gross profit is $3.66 billion

    Gross margin

    86.11%
    NAVI annual gross profit margin is 86.11%

    Operating profit

    $3.32B
    NAVI annual operating income is $3.32 billion

    Operating margin

    64.16%
    NAVI annual operating profit margin is 64.16%

    Net income

    $131.00M
    NAVI annual net profit is $131.00 million

    Net margin

    3.08%
    NAVI annual net profit margin is 3.08%

    Expenses

    Total expenses

    $4.12B
    NAVI annual total expenses is $4.12 billion

    Operating expenses

    $343.00M
    NAVI annual total operating expenses is $343.00 million

    Cost of goods sold

    $591.00M
    NAVI annual cost of goods sold is $591.00 million

    Selling, general & administrative expenses

    $0.00
    NAVI annual SGA is $0.00

    Depreciation and amortization

    $146.00M
    NAVI annual depreciation & amortization is $146.00 million

    Interest expense

    $3.30B
    NAVI annual interest expense is $3.30 billion

    Income tax

    $43.00M
    NAVI annual income tax is $43.00 million

    EBIT & EBITDA

    EBIT

    $3.43B
    NAVI annual earnings before interest & taxes is $3.43 billion

    EBITDA

    $3.58B
    NAVI annual EBITDA is $3.58 billion

    Balance Sheet

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    Assets

    Total assets

    $51.79B
    NAVI annual total assets is $51.79 billion

    Non current assets

    $47.76B
    NAVI annual long term assets is $47.76 billion

    Current assets

    $3.88B
    NAVI annual total current assets is $3.88 billion

    Cash and cash equivalents

    $2.10B
    NAVI annual cash & cash equivalents is $2.10 billion

    Accounts receivable

    $1.78B
    NAVI annual accounts receivable is $1.78 billion

    Inventory

    $0.00
    NAVI annual inventory is $0.00

    Liabilities

    Total liabilities

    $49.15B
    NAVI annual total liabilities is $49.15 billion

    Long term liabilities

    $43.57B
    NAVI annual total long term liabilities is $43.57 billion

    Current liabilities

    $9.31B
    NAVI annual total current liabilities is $9.31 billion

    Accounts payable

    -
    NAVI annual accounts payable value is unknown

    Debt

    Total debt

    $48.32B
    NAVI annual total debt is $48.32 billion

    Total debt 1-year change

    -16.16%
    NAVI annual total debt is down -16.16% year-on-year

    Long term debt

    $39.00B
    NAVI annual long term debt is $39.00 billion

    Short term debt

    $9.31B
    NAVI annual short term debt is $9.31 billion

    Equity & Capital

    Shareholders equity

    $2.64B
    NAVI annual stockholders equity is $2.64 billion

    Book value

    $2.64B
    NAVI annual book value is $2.64 billion

    Retained earnings

    $4.70B
    NAVI annual retained earnings is $4.70 billion

    Working capital

    -$5.43B
    NAVI annual working capital is -$5.43 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $459.00M
    NAVI annual cash flow from operations is $459.00 million

    Cash from operations 1-year change

    -32.1%
    NAVI annual cash flow from operations is down -32.1% year-on-year

    Cash from investing

    $8.47B
    NAVI annual cash flow from investing activities is $8.47 billion

    Cash from investing 1-year change

    +15.07%
    NAVI annual cash flow from investing activities is up +15.07% year-on-year

    Cash from financing

    -$9.62B
    NAVI annual cash flow from financing activities is -$9.62 billion

    Cash from financing 1-year change

    +4.3%
    NAVI annual cash flow from financing activities is up +4.3% year-on-year

    CAPEX

    CAPEX

    $0.00
    NAVI annual capital expenditures is $0.00

    CAPEX 1-year change

    0%
    NAVI annual capital expenditures has remained unchanged year-on-year

    Free Cash Flow

    Free cash flow

    $459.00M
    NAVI annual free cash flow is $459.00 million

    Free cash flow 1-year change

    -32.1%
    NAVI annual free cash flow is down -32.1% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    86.11%
    NAVI annual gross profit margin is 86.11%

    Operating margin

    64.16%
    NAVI annual operating profit margin is 64.16%

    Net margin

    3.08%
    NAVI annual net profit margin is 3.08%

    ROA & ROE

    ROA

    0.23%
    NAVI annual return on assets is 0.23%

    ROE

    4.85%
    NAVI annual return on equity is 4.85%

    Valuation

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    PE Ratio

    PE ratio

    41.52
    NAVI price to earnings ratio is 41.52

    PE ratio Sector rank

    83.96%
    NAVI price to earnings ratio is higher than 83.96% of companies in Financial Services sector

    PB Ratio

    PB ratio

    0.50
    NAVI price to book ratio is 0.50

    PB ratio Sector rank

    9.54%
    NAVI price to book ratio is higher than 9.54% of companies in Financial Services sector

    PS Ratio

    PS ratio

    0.35
    NAVI price to sales ratio is 0.35

    PS ratio Sector rank

    4.3%
    NAVI price to sales ratio is higher than 4.3% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $46.30B
    NAVI enterprise value is $46.30 billion

    Enterprise value Sector rank

    92.93%
    NAVI enterprise value is higher than 92.93% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    15.17
    NAVI EV/EBITDA is 15.17

    EV/EBITDA Sector rank

    83.42%
    NAVI EV/EBITDA is higher than 83.42% of companies in Financial Services sector

    Financial Health

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    Liquidity

    Current ratio

    0.42
    NAVI annual current ratio is 0.42

    Quick ratio

    0.42
    NAVI annual quick ratio is 0.42

    Leverage

    Debt to equity

    18.30
    NAVI annual debt to equity ratio is 18.30

    Interest coverage ratio

    1.04
    NAVI annual interest coverage ratio is 1.04

    Risk & Stability

    Piotroski F-Score

    7
    NAVI piotroski f-score is 7

    Altman Z-Score

    0.32
    NAVI altman z-score is 0.32

    Analyst ratings

    Recent major analysts updates

    Jul 31, 25 Morgan Stanley
    Equal-Weight
    Jul 31, 25 Keefe, Bruyette & Woods
    Market Perform
    Jul 11, 25 JP Morgan
    Neutral
    Jul 9, 25 Keefe, Bruyette & Woods
    Market Perform
    May 1, 25 TD Securities
    Sell
    May 1, 25 JP Morgan
    Neutral
    Apr 21, 25 Jefferies
    Hold
    Apr 8, 25 JP Morgan
    Neutral
    Mar 31, 25 Keefe, Bruyette & Woods
    Market Perform
    Jan 21, 25 Seaport Global
    Buy

    Institutional Ownership

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    • What is the ticker symbol for Navient Corporation?
    • Does Navient Corporation pay dividends?
    • What sector is Navient Corporation in?
    • What industry is Navient Corporation in?
    • What country is Navient Corporation based in?
    • When did Navient Corporation go public?
    • Is Navient Corporation in the S&P 500?
    • Is Navient Corporation in the NASDAQ 100?
    • Is Navient Corporation in the Dow Jones?
    • When was Navient Corporation's last earnings report?
    • When does Navient Corporation report earnings?

    What is the ticker symbol for Navient Corporation?

    The ticker symbol for Navient Corporation is NASDAQ:NAVI

    Does Navient Corporation pay dividends?

    Yes, Navient Corporation pays dividends. The last payment was $0.16, with an ex-dividend date on September 5, 2025

    What sector is Navient Corporation in?

    Navient Corporation is in the Financial Services sector

    What industry is Navient Corporation in?

    Navient Corporation is in the Credit Services industry

    What country is Navient Corporation based in?

    Navient Corporation is headquartered in United States

    When did Navient Corporation go public?

    Navient Corporation's initial public offering (IPO) was on April 17, 2014

    Is Navient Corporation in the S&P 500?

    No, Navient Corporation is not included in the S&P 500 index

    Is Navient Corporation in the NASDAQ 100?

    No, Navient Corporation is not included in the NASDAQ 100 index

    Is Navient Corporation in the Dow Jones?

    No, Navient Corporation is not included in the Dow Jones index

    When was Navient Corporation's last earnings report?

    Navient Corporation's most recent earnings report was on July 30, 2025

    When does Navient Corporation report earnings?

    The next expected earnings date for Navient Corporation is October 29, 2025
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