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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| NAVI | -13.01% | +66.26% | +10.7% | +6,393% |
| S&P | +16.23% | +94.45% | +14.22% | +3,875% |
Navient Corp. engages in the provision of asset management and business processing solutions for education, healthcare and government clients at the federal, state and local levels. It operates through the following segments: Federal Education Loans, Consumer Lending, Business Processing and Other. The Federal Education Loans segment owns FFELP Loans and performs servicing and asset recovery services on FFELP Loan portfolio. The Consumer Lending segment owns, originates, acquires and services high-quality private education loans. The Business Processing segment engages in the provision of government and healthcare services. The Other segment consists of corporate liquidity portfolio, gains and losses incurred on the repurchase of debt, unallocated expenses of shared services and restructuring/other reorganization expenses. The company was founded on November 7, 2013 and is headquartered in Wilmington, DE.
This student lender could benefit from the resumption of student loan repayments.
Third-quarter results prove that it's not a great time to be in the student loan business.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $806.00M | -26.5% |
| Gross Profit | $752.00M | -23.3% |
| Gross Margin | 93.30% | 3.8% |
| Market Cap | $1.43B | -12.4% |
| Market Cap / Employee | $0.68M | 0.0% |
| Employees | 2.1K | -53.3% |
| Net Income | $14.00M | -61.1% |
| EBITDA | $710.00M | -24.1% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Net Cash | $2.08B | -48.2% |
| Inventory | 0 | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $42.35B | -10.9% |
| Short Term Debt | $4.75B | -10.8% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 0.06% | -0.2% |
| Return On Invested Capital | 0.68% | -0.1% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $126.00M | -54.8% |
| Operating Free Cash Flow | $126.00M | -54.8% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 22.38 | 11.38 | 24.88 | 43.41 | 307.88% |
| Price to Book | 0.62 | 0.53 | 0.49 | 0.55 | -6.24% |
| Price to Sales | 0.37 | 0.34 | 0.33 | 0.39 | 17.02% |
| Price to Tangible Book Value | 0.74 | 0.63 | 0.59 | 0.66 | -15.43% |
| Price to Free Cash Flow TTM | 2.44 | 3.66 | 4.60 | 11.13 | 459.45% |
| Enterprise Value to EBITDA | 60.73 | 56.58 | 67.57 | 65.41 | 21.12% |
| Free Cash Flow Yield | 40.9% | 27.4% | 21.7% | 9.0% | -82.13% |
| Return on Equity | 2.8% | 4.9% | 2.1% | 1.3% | -77.29% |
| Total Debt | $50.00B | $48.32B | $47.73B | $47.10B | -10.92% |
NAVI earnings call for the period ending June 30, 2022.
NAVI earnings call for the period ending March 31, 2022.
NAVI earnings call for the period ending December 31, 2021.
NAVI earnings call for the period ending September 30, 2021.
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