Navient (NAVI) Stock Price

Navient Price

NASDAQ·CLOSED
9.12
+0.00 (+0.00 %)
Market closed

Revenue at Navient has contracted by 5.1% per year over the past 19 years to 3.23 B USD. Earnings per share have declined at 12.0% per year over the last 18 years. For Navient, the net margin of -2.5% is down versus 32.4% a few years ago. At today's price the dividend yield works out to roughly 7.02%. The dividend has grown at 3.3% per year over the past 11 years. The consensus 12-month price target for Navient is 8.50 USD, about 6.8% below where the stock trades today. Of 12 analysts, 1 rate the stock a buy — an overall Sell consensus. The stock trades about 21% above its 52-week low.

Navient stock price

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Navient business model & stock analysis

Navient Corp, founded in 2014 as a spin-off of SLM Corp., is a US-based company specializing in student and consumer loans. Navient currently serves around 12 million customers and manages a loan portfolio of over $300 billion. The company employs around 6,000 employees and is listed on the NASDAQ stock exchange. History: Navient has a long history dating back to the early 1970s. At that time, Sallie Mae, the original company that later formed Navient, was established to assist students in financing their higher education. Sallie Mae grew rapidly and became the largest financial institution for federally guaranteed student loans in the US in the 1990s. In 2010, Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act, which included several reforms for the student loan market. The passage of the Dodd-Frank Act led to the creation of Navient in 2014 and the spin-off of the student loan business from Sallie Mae. Business model: Navient's business model involves granting and managing student and consumer loans. The company offers various loan options, from federally guaranteed student loans to private student loans and consumer loans. The types of loans offered can be used for various purposes, such as financing education, private courses, technical school courses, or professional development. Navient also offers refinancing of existing loans. Navient has experienced strong growth in recent years, expanding its loan offerings beyond student loans to include consumer loans. Additionally, the company invests in innovative technology and services to improve customer service and simplify loan management for customers. Divisions: Navient has various divisions and offerings that cater to different customer needs. These include: - Student Loan Servicing: This division manages over $200 billion in federally guaranteed student loans, assisting customers in organizing their debts and selecting repayment plans. - Private Education Loans: This division offers private student loans that allow students to finance the difference between the amount of federal loans and the actual educational costs. - Consumer Lending: This division offers consumer loans that allow customers to finance various purposes, such as buying a car or household appliances, or even vacation trips. Products: Navient offers several products to meet customer needs. Here are some examples: - Federal Student Loans: Navient provides loans guaranteed by the government, with interest rates lower than private loans. These loans also have a number of repayment options and other benefits, including the ability to defer or reduce repayment if the borrower experiences difficulties. - Private Student Loans: Navient's private student loans offer competitive interest rates, flexible repayment plans, and no prepayment or penalties. These loans can cover up to 100% of tuition costs and also have options for extending repayment. - Loans and Lines of Credit: Navient offers consumer loans and other programs that allow customers to finance various purposes, such as a new oven, new furniture, or renovations. These products also have competitive interest rates, flexible repayment options, and no hidden fees or penalties. In summary, Navient Corp is a leading player in the US student and consumer loan market. The company has a long history and a proven business model that offers different loan options to students and consumers. With only moderate drawbacks, such as high interest rates and regulatory challenges, Navient is a solid investment target for long-term oriented investors.

Frequently asked questions about Navient

Navient Corp is a leading financial services company specializing in education loan management and servicing. As the nation's largest loan servicer, Navient handles the administration and collection of student loans on behalf of the federal government and private lenders. The company assists borrowers by providing guidance and solutions for loan repayment, helping them achieve their educational and financial goals. Through its comprehensive services, Navient aims to support student loan borrowers throughout their loan lifecycle. With a focus on customer service and innovation, Navient Corp continues to serve as a trusted partner in the education financing industry.

Navient Corp is primarily active in the financial services industry.

Navient Corp faces competition from various players in the market. Some key competitors include student loan servicers such as Sallie Mae, Nelnet, and College Ave Student Loans. As a leading loan management, servicing, and asset recovery company, Navient Corp competes with these entities to provide efficient and customer-focused services to borrowers. These competitors possess comparable expertise and industry presence, constantly vying for market share in the student loan sector. However, Navient Corp distinguishes itself through its reputation, innovative solutions, and commitment to helping borrowers navigate the complexities of student loans effectively.

Navient Corp is a prominent financial services company that specializes in student loan management and servicing. Established in 2014, Navient has a rich history as it emerged as a spin-off from the renowned Sallie Mae. With headquarters in Wilmington, Delaware, Navient operates nationwide and manages a substantial portfolio of student loans, serving millions of borrowers. The primary objective of Navient Corp is to assist students and their families in achieving their educational goals by providing comprehensive loan servicing solutions. With a proven track record in the industry, Navient Corp continues to be a reliable and trusted partner for student loan management.

Navient Corp has achieved several significant milestones throughout its history. One notable accomplishment was its spin-off from SLM Corporation in 2014 to become a standalone student loan servicer. This move allowed Navient to focus solely on providing loan management solutions, enhancing its expertise in the student loan industry. Additionally, the company has consistently been recognized for its commitment to customer service, receiving prestigious accolades for its outstanding performance in loan servicing. Moreover, Navient has continuously expanded its business operations, forming strategic partnerships and acquiring complementary organizations to augment its services and offer a comprehensive range of solutions to borrowers.

Navient Corp is primarily present in the United States.

Navient Corp values and embodies a strong corporate philosophy centered around helping individuals navigate their financial journeys. Committed to providing education loan management and business processing solutions, Navient focuses on enabling customers to achieve their financial goals through innovation and personalized support. With a customer-centric approach, the company strives to enhance financial well-being, promote responsible borrowing, and assist borrowers in successfully repaying their loans. Navient's dedication to integrity, excellence, and transparency further solidifies its position as a leading provider of essential financial services, aiming to empower individuals in making informed decisions for a brighter future.

Analysts currently set an average price target of 8.50 USD for the Navient stock (median: 8.50 USD), implying -6.8 % versus the latest price. The consensus is based on 12 analyst ratings.

12 analysts currently rate the Navient stock: 1 recommend buying, 5 holding and 6 selling. For 2026, analysts expect Navient to generate revenue of 579.87 M USD and earnings per share of 0.90 USD.

Converted at the current exchange rate, the Navient share trades at 8.00 EUR (9.12 USD).

The Navient share (NAVI) is listed on 7 stock exchanges, including: NASDAQ (NAVI), London (0K5R.L), SIX (Zürich) (10D.SW), Frankfurt (10D.F), München (10D.MU), Düsseldorf (10D.DU).

Navient Corp is an American company in the financial services sector that specializes in student loans, education financing, and student support. The company was established in 2014 as a spin-off of Sallie Mae and is headquartered in Wilmington, Delaware. Navient Corp is divided into three business segments: Education Loan Management and Business Processing Solutions, Asset Recovery and Consumer Services, and Private Loans. The Education Loan Management and Business Processing Solutions segment offers services related to student financing and administration of student loans. Navient provides support to its customers in applying for student loans and repaying education loans. The company manages approximately 25 percent of US student loans. Navient also offers platforms for managing education financing programs, including administering grants and scholarships. In the Asset Recovery and Consumer Services segment, Navient provides solutions to its customers in debt repayment, including managing collection services, asset recovery, loan restructuring, and workouts. The aim is to help customers repay their debts and loans and regain control of their finances. Navient also offers private loans and is one of the larger lenders in the US. The company provides a wide range of loans with variable or fixed interest rates designed for various situations such as higher education, renovations, or general consumer credit. Over the years, Navient has gained a lot of experience in the credit and finance industry and has continued to evolve. The company relies on modern technologies and automated processes to efficiently meet the needs of its customers. The goal is always to reduce the debt burden for customers, promote economic success, and enable positive future planning. Navient Corp is committed to all aspects of the student loan and financial services industry, offering individualized solutions for customers and prioritizing the straightforwardness and reliability of its services. The company is an important player in the industry, providing support to its customers at every stage of their education and loan systems. It is also a recognized and reputable service provider in the field of private loans and asset management, offering assistance to customers in all financial matters.

The expected revenue of Navient is 579.87 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Navient is 74.90 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Navient is currently 10.15. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Navient stock.

The price-to-sales ratio (P/S) of Navient is currently 1.31. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Navient stock.

The Eulerpool Quality Score for Navient is 1/10.

The ISIN of Navient is US63938C1080. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Navient is A11132. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Navient is NAVI. The ticker symbol is used to trade Navient shares on the stock exchange.

Over the past 12 months, Navient paid a dividend of 0.64 USD . This corresponds to a dividend yield of about 7.02 %. For the coming 12 months, Navient is expected to pay a dividend of 0.64 USD.

The current dividend yield of Navient is 7.02 %.

Navient pays a dividend, distributed in the months of December, March, June, September.

Navient paid dividends every year for the past 12 years.

For the upcoming 12 months, dividends amounting to 0.64 USD are expected. This corresponds to a dividend yield of 7.02 %.

Navient is assigned to the 'Finance' sector.

To receive the latest dividend of Navient from 9/18/2026 amounting to 0.16 USD, you needed to have the stock in your portfolio before the ex-date on 9/4/2026.

The last dividend was paid out on 9/18/2026.

In the year 2025, Navient distributed 0.64 USD as dividends.

The dividends of Navient are distributed in USD.

Fair ValueTerminal
8.21 USD
Over-/UndervaluationTerminal
Fairly valued
Sector
Industry
Consumer Finance
Number of shares
Employees
Revenue per Employee
4.82 M USD
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Website navient.com
Currency
USD
Initial public offering
Apr 17, 2014
ISIN
US63938C1080
Cusip
63938C108
Sedol
BLP5GX1
Market capitalization
902.88 M USDSmall Cap
52-Week Range
7.55–13.29USD
Revenue growth (10Y) > 5%
Revenue growth (3Y) > 5 %
EBIT growth (10Y) > 5%
EBIT growth (3Y) > 5 %
Net debt < 4x EBIT
Profitable since 10Y+
EBIT Drawdown (10Y) < 50%
Return on Equity (ROE) > 15%
ROCE > 15%
Return Expectation > 10%
PEG
-1.02
P/E ratio
P/Ee 2026
12.05
P/Ee 2027
9.44
P/Ee 2028
9.22
P/S
P/Se
1.31
EV/EBIT
17.61
P/B Ratio
0.38
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
-0.17 %
Gross Margin
86.96 %
EBIT Margin
77.14 %
Net Margin
-2.48 %
EPS (Earnings Per Share)
-0.96 USD
Net Debt / EBIT
17.25
Debt/Equity
19.05
Dividend
Dividend yield
7.02 %
Est. Dividend Yield
7.02 %
Payout Ratio
-66.67 %
Dividend growth Ø5Y
—
Dividend payments per year
4
Dividend paid since
12 years
Dividend not reduced since
12 years
Dividend increased since
0 years
Dividend withholding tax
30.00 %
Last updated Sep 27, 2026, 6:00 PM

Navient Ticker

DÜSSELDORF · 10D.DUFRANKFURT · 10D.FLONDON · 0K5R.LLONDON STOCK EXCHANGE · 0K5R.LMUNICH · 10D.MUNASDAQ · NAVISIX · 10D.SW

Navient FIGI

NAVI:US · BBG004MN1R41NAVI:UA · BBG006BR90H6NAVI:UC · BBG006BR90K2NAVI:UN · BBG006BR90N9NAVI:UP · BBG006BR90Q6NAVI:UB · BBG006BR90T3NAVI:UM · BBG006BR90Y7NAVI:UX · BBG006BR90Z6NAVI:UD · BBG006BR91B0NAVI:UW · BBG006BR91G5NAVI:UF · BBG006BR91J2NAVI:VY · BBG006BR91K0

All fundamentals and in-depth analysis of Navient

Our stock analysis for Navient stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Navient. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.