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NAVINavient Corporation
$8.35$785M
Overview & Verdict
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NAVI logoNavient Corporation(NAVI)Earnings, Financials & Key Ratios

NAVI•NASDAQ
$8.35
Price updated Jul 7, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryStudent Loan Lending and Servicing
AboutNavient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing and asset recovery services on its own loan portfolio, as well as asset recovery services on FFELP loans owned by other institutions. It also owns, originates, acquires, and services refinance and in-school private education loans; and offers healthcare services that include revenue cycle outsourcing, accounts receivable management, extended business office support, consulting engagement, and public health programs, as well as business processing services to state governments, agencies, court systems, municipalities, and parking and tolling authorities. In addition, the company provides customizable solutions for its clients that include hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments; and corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware.Show more
  • EBITDA$2.49B+1333.3%
  • Net Income-$80M-161.1%
  • EPS (Diluted)-0.81-168.6%
  • Gross Margin86.96%+334.2%
  • EBITDA Margin77.24%+1779.4%
  • Operating Margin77.14%+1777.2%
  • Net Margin-2.48%-180.1%
  • ROE-3.17%-165.4%

NAVI Price & Volume

Navient Corporation (NAVI) stock price & volume — 10-year historical chart

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Structural Portfolio Runoff Challenges Navient Financial Stability

Investment Thesis • Updated 2026Q1

VerdictNegative
Growth:Contracting
Profitability:Strained
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:Portfolio Amortization and Leverage

Key Thesis Takeaways

  • Navient faces a challenging outlook as its legacy FFELP loan portfolio continues a structural decline, evidenced by revenue contracting from $1.2 billion in 2023Q4 to $695 million in 2026Q1.
  • The company's reliance on debt, with a debt-to-equity ratio of 18.99, combined with volatile earnings and inconsistent cash flow, suggests significant long-term risks to terminal value.
  • Investors should monitor whether the firm can successfully pivot its business model before the ongoing asset liquidation further erodes its capital base.

Verdict Logic

the company's fundamental instability is highlighted by a negative free cash flow of $47 million in 2026Q1 and a persistent debt-to-equity ratio of 18.99, which suggests limited flexibility to navigate the ongoing structural decline of its core assets.

NAVI Growth Metrics

Navient Corporation (NAVI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-4.61%
5 Years-2.86%
3 Years-5.6%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-207.14%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-223.53%

Return on Capital

10 Years1.24%
5 Years1.74%
3 Years2.11%
Last Year5.5%

NAVI Recent Earnings

Navient Corporation (NAVI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 29, 2026
Metric
Actual
Est
EPS
$0.20+17.6%
$0.17
Rev
$152M+7.4%
$141M
Q1 2026
Jan 28, 2026
Metric
Actual
Est
EPS
$0.02-93.6%
$0.31
Rev
$144M-9.9%
$160M
Q4 2025
Oct 29, 2025
Metric
Actual
Est
EPS
$0.29+61.1%
$0.18
Rev
$800M+485.0%
$137M
Q3 2025
Jul 30, 2025
Metric
Actual
Est
EPS
$0.21-22.2%
$0.27
Rev
$806M+450.8%
$146M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 29, 2026
$0.20vs $0.17+17.6%
$152Mvs $141M+7.4%
Q1 2026Jan 28, 2026
$0.02vs $0.31-93.6%
$144Mvs $160M-9.9%
Q4 2025Oct 29, 2025
$0.29vs $0.18+61.1%
$800Mvs $137M+485.0%
Q3 2025Jul 30, 2025
$0.21vs $0.27-22.2%
$806Mvs $146M+450.8%
Based on last 12 quarters of dataView full earnings history →

Latest NAVI News

Recent stock market news and headlines for Navient Corporation (NAVI)

GlobeNewsWire·6 days ago
Navient to announce second quarter 2026 results, host earnings webcast August 6

HERNDON, Va., July 02, 2026 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) will host an audio webcast to review its second quarter 2026 results on Thursday, August 6, 2026, at 5:00 p.m. Eastern Time.

Peers Comparison

Key metrics vs top competitors for Navient Corporation (NAVI)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
NAVI logoNAVINavient CorporationCurrent
$8.35$784.81M-10.31-23.74%-2.48%-3.17%7.62%
SLM logoSLMSLM Corporation
$25.08$4.97B7.254.1%33.13%31.01%—
ECPG logoECPGEncore Capital Group, Inc.
$90.17$1.93B8.2633.89%16.02%30.7%—
PRA logoPRAProAssurance Corporation
$25.00$1.29B25.25-2.67%6.04%4.95%—
PFSI logoPFSIPennyMac Financial Services, Inc.
$81.11$4.23B8.72173.81%14.31%12.02%—
OMF logoOMFOneMain Holdings, Inc.
$59.62$6.98B9.099.09%16.12%23.62%—

Compare NAVI vs Peers

Navient Corporation (NAVI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SLM

Most directly comparable listed peer for NAVI.

Scale Benchmark

vs GS

Larger-name benchmark to compare NAVI against a more recognizable public peer.

Peer Set

Compare Top 5

vs SLM, ECPG, PRA, PFSI

NAVI SEC Filings & Documents

Navient Corporation (NAVI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 29, 2026·SEC

Material company update

Apr 8, 2026·SEC

Material company update

Jan 28, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 26, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 29, 2026·SEC

FY 2025

Oct 29, 2025·SEC

FY 2025

Jul 30, 2025·SEC

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NAVI Frequently Asked Questions

Navient Corporation (NAVI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Navient Corporation's revenue?

Navient Corporation (NAVI) reported $3.06B in revenue for fiscal year 2025.

How fast is Navient Corporation growing?

Navient Corporation (NAVI) saw revenue decline by 23.7% over the past year.

Is NAVI profitable?

Navient Corporation (NAVI) reported a net loss of $60.0M for fiscal year 2025.

Dividend & Returns
Does NAVI pay dividends?

Yes, Navient Corporation (NAVI) pays a dividend with a yield of 7.62%. This makes it attractive for income-focused investors.

What is NAVI's return on equity?

Navient Corporation (NAVI) has a return on equity (ROE) of -3.2%. Negative ROE indicates the company is unprofitable.

What is Navient Corporation's free cash flow?

Navient Corporation (NAVI) generated $323.0M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in NAVI back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

See returns →