Navient Corp (NAVI)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 8.40 $ — 16% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
7 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 23.0% passed
- More than 10% revenue growth is expected for the coming year 12.4% passed
- Share count grows by less than 3% a year -11.7% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") -10.1% failed
- Gross margin at 40% or higher and without meaningful erosion 87.0% passed
- Goodwill from acquisitions does not grow faster than revenue 0.9% passed
- Net debt below twice EBITDA 17.6 x EBITDA failed
- Operating cash flow covers the profits of the last three years 1,297 m passed
- Return on capital at 15% or higher, or up versus two years ago 5.7% passed
- Insiders hold at least 10% or are net buyers 2.3% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 7.9% above the current price.
- Consensus
- Hold
- Analyst Ratings
- 10
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 0.72 | 0.65 – 0.77 | 561 | 304.3% | 8 |
| 12/31/2027 | 0.94 | 0.79 – 1.04 | 630 | 32.2% | 8 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.19 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.22 | – | 977 | -15.10 | 2.50 | 8 | 8 |
| 2025: Q1 | -0.02 | -103.10 | 828 | -28.70 | -0.20 | 71 | 71 |
| 2025: Q2 | 0.14 | -56.90 | 806 | -26.10 | 1.70 | 126 | 126 |
| 2025: Q3 | -0.87 | – | 800 | -20.40 | -10.80 | 70 | 70 |
| 2025: Q4 | -0.06 | -127.30 | 761 | -22.10 | -0.70 | 174 | 174 |
| 2026: Q1 | 0.18 | – | 695 | -16.10 | 2.40 | -47 | -47 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 4,964 | 1,108 | 681 | 2.11 | 1,357 | 3,699 | 121,136 |
| 2017 | 5,182 | 764 | 292 | 1.04 | 1,157 | 3,454 | 114,991 |
| 2018 | 5,591 | 528 | 395 | 1.50 | 1,140 | 3,519 | 104,176 |
| 2019 | 5,484 | 763 | 597 | 2.56 | 1,019 | 3,336 | 94,903 |
| 2020 | 3,734 | 532 | 412 | 2.11 | 987 | 2,447 | 87,412 |
| 2021 | 2,211 | 936 | 717 | 4.17 | 702 | 2,597 | 80,605 |
| 2022 | 1,737 | 2,929 | 645 | 4.48 | 305 | 2,977 | 70,795 |
| 2023 | 4,836 | 313 | 228 | 1.85 | 676 | 2,760 | 61,375 |
| 2024 | 4,234 | 174 | 131 | 1.18 | 459 | 2,641 | 51,789 |
| 2025 | 3,229 | 2,491 | -80 | -0.81 | 441 | 2,399 | 48,681 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Navient Corporation bietet technologiegestützte Bildungsfinanzierung in den USA an. Es ist in zwei Segmenten tätig: Federal Education Loans und Consumer Lending.
| Employees | 670 |
|---|---|
| Headquarters | Herndon, VA |
| Address | 13865 Sunrise Valley Drive, 20171 Herndon, United States |
| Phone | 302 283 8000 |
| Website | navient.com |
| IPO Date | 17. Apr 2014 |
| ISIN | US63938C1080 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Edward John Bramson | CEO, President & Chairman of the Board | 1951 |
| Stephen M. Hauber | Executive VP, Principal Accounting Officer & CFO | 1975 |
| Troy Standish | COO & Executive VP | 1975 |
| Jen Earyes | Head of Investor Relations | – |
| Matthew R. Sheldon | Senior VP & General Counsel | 1970 |
| Paul Hartwick | Vice President of Corporate Communications | – |
| Shanee Ben-Zur | Chief Marketing Officer of Earnest | – |
| Judah Holland | Senior VP & Chief Transition Officer | – |
| Deanna Coloe | VP & Chief Audit Officer | – |
| Robert A. Crawford | Senior VP & Controller | 1963 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.