Navient Corporation (NAVI) Stock Price & Analysis
Navient Corporation (NAVI) is trading at USD 8.71, down 1.75% today, as of October 23, 2026 at 13:33 UTC (US market open; quotes may be delayed), according to Nexqual market data.
NAVI last closed at USD 8.86; today's session has ranged USD 8.64–8.79 on volume of 40,749 shares. Market capitalization is $816.39M, with a 52-week range of USD 7.33–13.48 (NMS). Source: Nexqual, retrieved October 23, 2026 at 13:34 UTC.
Also available as compact Markdown for AI agents: nexqual.com/NAVI.md
Key facts (NAVI)
- Last four reported quarters (through Jun 30, 2026): revenue $600M, net income -$49.0M (-8.2% margin) (SEC filings).
- Analysts: Sell (mean 3.57 on a 1–5 scale) (7 analysts), mean target USD 9 (range 7–13).
- Total return with dividends: 1Y -26.5% vs S&P 500 +14.9%; 5Y -44.3% vs S&P 500 +80.3%.
- Next earnings: 2026-11-04, EPS estimate USD 0.13, revenue estimate $127M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (NAVI)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $2.14B | $1.74B | $1.27B | $1.15B | $610M | $600M |
| Net income | $717M | $645M | $228M | $131M | -$80.0M | -$49.0M |
| EPS (diluted) | $4.18 | $4.49 | $1.85 | $1.18 | -$0.81 | — |
| Net margin | 33.5% | 37.1% | 17.9% | 11.4% | -13.1% | -8.2% |
| Revenue growth | +27.1% | -18.8% | -26.8% | -9.4% | -47.0% | — |
| Cash + short-term investments | $905M | $1.53B | $839M | $722M | $637M | — |
| Total debt | $77.0B | $66.9B | $57.6B | $48.3B | $45.7B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (NAVI)
P/S 1.4x · P/B 0.3x · Earnings yield -6.00% · Dividend yield (paid, TTM) 7.47% · Buyback yield (TTM) 9.55%
P/E at fiscal year-ends: Dec 2024 11.3x, Dec 2023 10.0x.
Analysts (NAVI)
Consensus Sell (mean 3.57 on a 1–5 scale), 7 analysts; mean target USD 9 (low 7, high 13).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-12 | JP Morgan | Target raised | Neutral | $8 → $8.5 |
| 2026-10-05 | Barclays | Target lowered | Underweight | $8 → $7 |
| 2026-07-13 | JP Morgan | Target lowered | Neutral | $9.5 → $8 |
| 2026-07-07 | TD Cowen | Target lowered | Sell | $9 → $8.5 |
Total return (dividends reinvested) (NAVI)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | -26.5% | -44.3% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -26.5% | -11.0% |
| Volatility (annualized) | 42.5% | 32.7% |
| Max drawdown | -42.9% (Dec 2025→Jun 2026) | -57.0% (Jan 2022→Apr 2026) |
NAVI suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | SAP (SAP) | “FFELP Loans disbursed before April 1, 2006 earn interest at the greater of the borrower's rate or a floating rate based on the Special Allowance Payment (SAP) formula, with the interest earned on the floating rate that exceeds the interest earned from the customer being paid directly by ED.” |
Quoted from the company's 10-K filed Feb 26, 2026.
Companies that name NAVI in their SEC reports
| Relationship to NAVI | Company | Filing | Sentence |
|---|---|---|---|
| partner | SLM Corp (SLM) | 10-K Feb 19, 2026 | “In connection with the Spin-Off, we entered into a Separation and Distribution Agreement with Navient (the "Separation and Distribution Agreement").” |
NAVI analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.13 | $0.08 | +57.6% | $127.3M | 7 |
| Next quarter (ends Dec 2026) | $0.19 | $0.23 | -17.9% | $130.0M | 7 |
| Current fiscal year (ends Dec 2026) | $0.81 | $0.72 | +13.3% | $516.0M | 7 |
| Next fiscal year (ends Dec 2027) | $0.99 | $0.94 | +4.7% | $550.3M | 7 |
NAVI options: expected move
Options price a move of about ±17.8% (±$1.57) by Nov 20, 2026, which includes earnings on Nov 4, 2026. Over the last 8 reports the stock moved ±5.8% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 28 | 58.9% | ±17.8% |
| Jan 15, 2027 | 84 | 40.0% | ±20.3% |
| Apr 16, 2027 | 175 | 41.8% | ±26.8% |
| May 21, 2027 | 210 | 45.5% | ±30.8% |
30-day implied volatility 45.3% vs 33.1% realized over the last 30 trading days. Put/call ratio (volume) 0. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 13:34 UTC)
| Price | USD 8.71 |
|---|---|
| Change | ▼ 1.75% (down) |
| Previous Close | USD 8.86 |
| Open | USD 8.72 |
| Day Range | USD 8.64 – 8.79 |
| 52-Week Range | USD 7.33 – 13.48 |
| Volume | 40,749 shares |
| Market Cap | $816.39M |
| Exchange | NMS |
Technical Analysis (NAVI)
Nexqual's technical model rates NAVI "SELL" based on 1 bullish and 5 bearish signals across 128 daily candles, as of October 23, 2026 at 13:34 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 39.18 (neutral) |
| vs SMA50 | Below (USD 9.29) |
| MACD | -0.09 (negative) |
Analyst Ratings (NAVI)
Wall Street analysts rate NAVI "Sell" based on 7 analysts, with a mean price target of USD 9 (range USD 7–13), per Nexqual as of October 23, 2026 at 13:34 UTC.
| Consensus Rating | Sell |
|---|---|
| Analyst Count | 7 |
| Mean Target | USD 9 |
| High Target | USD 13 |
| Low Target | USD 7 |
| Buy / Hold / Sell | 1 / 3 / 3 |
Earnings (NAVI)
| Next Earnings Date | 2026-11-04 |
|---|---|
| EPS Estimate | USD 0.13 |
| Revenue Estimate | $127.25M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.29 vs est 0.2 ▲ beat |
| 2026-03-31 | USD 0.2 vs est 0.16 ▲ beat |
| 2025-12-31 | USD 0.02 vs est 0.31 ▼ miss |
| 2025-09-30 | USD -0.84 vs est 0.18 ▼ miss |
Source: Nexqual, October 23, 2026 at 13:34 UTC.
Financials & Fundamentals (NAVI)
| Total Revenue | $334.00M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +4.20% |
| Gross Margin | +100.00% |
| Operating Margin | +33.87% |
| Profit Margin | -14.67% |
| ROE | -1.98% |
| Debt / Equity | 18.53 |
| Current Ratio | 10.75 |
| Total Cash | $796.00M |
| Total Debt | $44.43B |
Source: Nexqual, October 23, 2026 at 13:34 UTC.
Financial Health Score (NAVI)
Nexqual rates Navient Corporation's overall financial health "Critical" across five dimensions, as of October 23, 2026 at 13:34 UTC.
| Growth | Weak — Revenue -4% YoY (annual), declining |
|---|---|
| Profitability | Critical — Net margin -15% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: Security Brokers, Dealers & Flotation Companies) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Security Brokers, Dealers & Flotation Companies) |
| Efficiency | Critical — ROE -2%, ROA -0.1% |
Ownership (NAVI)
| Insider Ownership | +2.30% |
|---|---|
| Institutional Ownership | +106.86% |
| Shares Outstanding | 93.78M |
| Float | 62.88M |
| Short % of Float | +27.68% |
Source: Nexqual, October 23, 2026 at 13:34 UTC.
Leadership (NAVI)
Navient Corporation is led by Edward John Bramson, CEO, President & Chairman of the Board, per Nexqual as of October 23, 2026 at 13:34 UTC.
| CEO, President & Chairman of the Board | Edward John Bramson |
|---|---|
| Executive VP, Principal Accounting Officer & CFO | Stephen M. Hauber |
| COO & Executive VP | Troy Standish |
| Vice President of Corporate Communications | Paul Hartwick |
| Chief Marketing Officer of Earnest | Shanee Ben-Zur |
Major Backers & Investors (NAVI)
Notable institutional backers of Navient Corporation include Sherborne Investors Management, LP, DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio, American Century Companies Inc, according to Nexqual as of October 23, 2026 at 13:34 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Sherborne Investors Management, LP | 31.4% |
| DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio | 2.77% |
| American Century Companies Inc | 2.16% |
| Wellington Management | 2.07% |
| Charles Schwab Investment Management, Inc. | 1.97% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 13.81% |
| Dimensional Fund Advisors | 5.66% |
| Vanguard Group | 5.55% |
| State Street | 2.93% |
| Geode Capital | 1.85% |
Source: Nexqual, October 23, 2026 at 13:34 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| WRLD | World Acceptance Corporation | USD 180.43 | ▲ 6.35% |
| PRAA | PRA Group, Inc. | USD 19.4 | ▼ 2.81% |
| FINV | FinVolution Group | USD 3.06 | ▲ 0% |
| GDOT | Green Dot Corporation | USD 12.32 | ▼ 0.61% |
| QFIN | Qfin Holdings, Inc. | USD 5.36 | ▼ 2.01% |
| JCAP | Jefferson Capital, Inc. | USD 20.64 | ▼ 0.24% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 13:34 UTC. This page is informational and not investment advice.
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