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Navient

(NASDAQ) NAVI

Current Price$8.62
Market Cap$814.89MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1983)+4,602%
5 Year-46%
1 Year-37%
1 Month+5%
Navient last closing stock price
MetricPriceDate
Last closeUSD 8.672026-07-16
Navient stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+7.97%USD 8.032026-07-09
1 month+5.22%USD 8.242026-06-16
3 month-0.2%USD 8.692026-04-17
Year to date-30.61%USD 12.492025-12-31
1 year-37.49%USD 13.872025-07-16
3 year-47.77%USD 16.602023-07-17
5 year-45.69%USD 15.962021-07-16
Since inception+4,601.63%USD 0.181983-09-23

Navient Financials at a Glance

Market Cap

$814.89MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$3.06B

Net Income (TTM)

-$60.00M

EPS (TTM)

-$0.61

P/E Ratio

-14.13

Dividend

$0.64

Beta (Volatility)

1.07 (Average)

Price

$8.62

Volume

11,623

Open

$8.52

Previous Close

$8.67

Daily Range

$8.48 - $8.72

52-Week Range

$7.33 - $14.54

Estimated Earnings Date

Aug 6, 2026

NAVI News

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This Ultra Cheap Lending Stock Is Up 21% in June. Is It a Buy?

Courtney CarlsenJun 20, 2023
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Why Navient Stock Got Pummeled on Wednesday

Eric VolkmanOct 26, 2022
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This Value Stock Is Up 69% in the Past Year; Here's Why I'm Avoiding It

Courtney CarlsenJan 28, 2022
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Why Shares of Navient Are Falling Today

Bram BerkowitzJan 26, 2022
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This Lender Will No Longer Service Federal Student Loans: What That Means for Its Business

Courtney CarlsenOct 11, 2021
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Why Shares of Navient Fell Today

Jason HawthorneSep 29, 2021
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Why Navient Jumped 18% in April

Jason HawthorneMay 7, 2021
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3 Cheap Stocks to Add for the Post-Pandemic World

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Page 1

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About Navient

Navient helps manage education loans and offers business solutions. It serves education, healthcare, and government sectors. Navient's services simplify loan management and business processes.

Products and Services

Federal Education Loans: Manages loans insured by state or non-profit agencies.

Consumer Lending: Originates and services private education loans.

Business Processing: Offers revenue cycle outsourcing and accounts receivable management.

Healthcare Services: Provides consulting and public health program support.

Government Solutions: Delivers services to state governments and municipalities.

Growth and Expansion

Navient was founded in 1973, establishing a long-standing presence in financial services.

In 2014, Navient went public, expanding its market reach.

Navient focuses on enhancing loan management and business processing capabilities.

What Makes Navient Special

Navient's strength lies in its comprehensive service suite for government and healthcare clients. It manages a large education loan portfolio, offering specialized business processing services.

Five Things You Need to Know

Navient's market cap is $1.24 billion as of 2023.

It operates in the financial services sector, focusing on credit services.

Navient has 2,100 full-time employees.

Its stock price ranges from $10.53 to $16.96.

Navient's beta is 1.26, indicating moderate market volatility.

Bottom Line

Navient has evolved by diversifying its services across education, healthcare, and government sectors. Its adaptability and comprehensive offerings position it as a key player in financial services.

AI Generated • Apr 16, 2026

Industry

Consumer Finance

Sector

Financials

Employees

670

CEO

David L. Yowan

Website

www.navient.com

Headquarters

Wilmington, DE 19801, US

NAVI Financials

Key Financial Metrics (TTM)

Gross Margin

29.92%

Operating Margin

17.57%

Net Income Margin

-1.96%

Return on Equity

-2.45%

Return on Capital

5.18%

Return on Assets

-0.12%

Earnings Yield

-7.08%

Dividend Yield

7.38%

Payout Ratio

-1.03%

Stock Overview

Market Cap

$814.89MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

93.99M

Volume

11.62K

Avg. Volume

1.14M

Financials (TTM)

Gross Profit

$916.00M

Operating Income

$538.00M

EBITDA

$532.00M

Operating Cash Flow

$323.00M

Capital Expenditure

$0.00

Free Cash Flow

$323.00M

Cash & ST Invst.

$621.00M

Total Debt

$45.18B

Navient Performance Analysis

Navient annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 3,813,000,0008.5%
20232023-12-31USD 4,920,000,00029.0%
20242024-12-31USD 4,255,000,000-13.5%
20252025-12-31USD 3,200,000,000-24.8%
Navient sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-2.7%
Q32025-09-30-0.7%
Q42025-12-31-4.9%
Q12026-03-31-8.7%
Navient annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 4.487.5%
20232023-12-31USD 1.85-58.6%
20242024-12-31USD 1.18-36.3%
20252025-12-31USD -0.81N/A
Navient sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30814.3%
Q32025-09-30-721.4%
Q42025-12-3193.1%
Q12026-03-31383.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$695.00M

-16.1%

Gross Profit

$131.00M

+4.0%

Gross Margin

18.85%

N/A

Market Cap

$814.89MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.22M

N/A

Employees

670

N/A

Net Income

$17.00M

+950.0%

EBITDA

$15.00M

+400.0%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$621.00M

-3.3%

Total Debt

$45.18B

-5.8%

Accounts Receivable

$1.63B

-9.6%

Inventory

$0.00

N/A

Long Term Debt

$40.18B

-7.1%

Short Term Debt

$5.01B

+6.4%

Return on Assets

-0.12%

N/A

Return on Invested Capital

1.25%

N/A

Free Cash Flow

-$47.00M

-166.2%

Operating Cash Flow

-$47.00M

-166.2%

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Questions About NAVI

What is the current price of Navient?

Navient is trading at $8.62 per share.

What is the 52-week range for Navient?

Over the past 52 weeks, Navient has traded between $7.33 and $14.54.

How much debt does Navient have?

As of the most recent reporting period, Navient reported total debt of $45.11B.

How much cash does Navient have on hand?

Navient reported $2.13B in cash and cash equivalents in its most recent financial results.

What is Navient’s dividend yield?

Navient currently has a dividend yield of 7.38%.

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