NAVI logo

NAVIENT CORP

NAVINASDAQ
πŸ† #2572 by market capEarnings Nov 4 Β· PostUS Equity
$9.08β–² $0.94 (+11.55%)
πŸŒ™ After hours$8.92β–Ό 1.76%Regular close Β· extended-hours price shown
πŸ””
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24hβ–² 11.6%
7dβ–² 6.9%
14dβ–Ό 2.3%
30dβ–² 0.0%
ytdβ–Ό 30.2%
1yβ–Ό 24.2%
🏦Market Cap
$852M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-21.0%
Declining
πŸ“ŠGross Margin
109.0%
High
πŸ’΅FCF Margin
75.4%
Strong
βš–οΈP/S Ratio
1.5x
Cheap
Otter Score
76
Strong

Trading Snapshot

Day Range
$8.34 – $9.09
52-Week Range
$7.33 – $13.48
Volume (shares)
1,333,462
Avg Volume (shares)
β€”
Shares Outstanding
93.8M
Next Earnings
2026-11-04

Fundamentals Snapshot

Annual Revenue
$3.23B
Last Q Revenue
$682M
P/E Ratio
β€”
P/S Ratio
1.5x
EPS (TTM)
$-0.49
Dividend Yield
7.70%
Dilution (1yr)
βˆ’23.5%
NAVI logo

NAVIENT CORP

NAVI
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$3.2Bβ–Ό βˆ’23.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
87.0%β–² +334.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$2.5Bβ–² +1331.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$441Mβ–Ό βˆ’3.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
83.3Mβ–Ό βˆ’23.5% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$45.1Bβ–² +$2.8B YoY
StockOtter Β· stockotter.space

About NAVIENT CORP

Navient Corporation specializes in managing education loans and delivering comprehensive business processing services. Its clientele spans the education, healthcare, and government sectors, serving federal, state, and local entities across the United States. The company's operations are divided into three primary segments: Federal Education Loans, Consumer Lending, and Business Processing. Within its Federal Education Loans segment, Navient holds Federal Family Education Loan Program (FFELP) loans, which are backed by state or non-profit agency guarantees. This division also handles the servicing and recovery of its own loan assets, alongside offering asset recovery solutions for FFELP loans held by other organizations. Its Consumer Lending activities involve the ownership, origination, acquisition, and ongoing servicing of private education loans, including both in-school financing and refinancing options. The Business Processing segment extends to various healthcare services, encompassing outsourced revenue cycle management, accounts receivable administration, supplementary business office support, consulting, and public health program management. Furthermore, it provides tailored business processing solutions to state governments, their agencies, judicial systems, local municipalities, and authorities overseeing parking and toll collection. These customizable offerings serve a diverse range of clients, such as hospitals, healthcare networks, medical centers, large physician practices, other healthcare providers, and public health departments. Navient also manages corporate liquidity portfolios. Established in 1973, Navient Corporation maintains its headquarters in Wilmington, Delaware.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
76/100

Analyst Ratings

β“˜
Consensus
Sell
12 analysts
Strong Buy0
Buy1
Hold5
Sell4
Strong Sell2
Ratings as of Oct 2026

Latest News & Updates

Zacks Investment ResearchΒ·1d ago

Navient (NAVI) Expected to Beat Earnings Estimates: Should You Buy?

Navient (NAVI) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Seeking AlphaΒ·7d ago

Navient Corporation (NAVI) Discusses Corporate Reorganization and Strategic Realignment of Business Structure Transcript

Navient Corporation (NAVI) Discusses Corporate Reorganization and Strategic Realignment of Business Structure Transcript

Zacks Investment ResearchΒ·7d ago

Will Navient (NAVI) Beat Estimates Again in Its Next Earnings Report?

Navient (NAVI) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

GlobeNewsWireΒ·8d ago

Navient to establish new holding company structure

HERNDON, Va., Oct. 21, 2026 (GLOBE NEWSWIRE) -- Navient Corporation (Nasdaq: NAVI) today announced it intends to establish a new holding company structure.

Defense WorldΒ·10d ago

Critical Comparison: Navient (NASDAQ:NAVI) & Medallion Financial (NASDAQ:MFIN)

Medallion Financial (NASDAQ: MFIN - Get Free Report) and Navient (NASDAQ: NAVI - Get Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the

Zacks Investment ResearchΒ·16d ago

Best Income Stocks to Buy for October 13th

DEC, NAVI and CVX made it to the Zacks Rank #1 (Strong Buy) income stocks list on October 13, 2026.