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    Navient Corp (NAVI)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

    $9.51
    +0.05 (+0.53%)

    Market Cap: $887.20M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    63%(25/40)
    Avg Surprise
    -14.17%
    Streak
    2 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.08
    Range$0.02 - $0.17
    7 analysts
    EPS RevisionsNo revisions (7d)
    0
    4
    30d
    EPS Estimate Drift
    90d ago$0.09+25.2%
    60d ago$0.09+25.2%
    30d ago$0.09+23.6%
    7d ago$0.08+9.9%
    Current$0.08
    Revenue Consensus
    $138M
    Range$134M - $143M
    4 analysts
    Dec 31, 2026
    EPS Consensus$0.31
    Range$0.24 - $0.53
    7 analysts
    Revenue Consensus
    $141M
    Range$124M - $156M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.31---
    Sep 26EST
    		-$0.08---
    Jun 26
    		$0.29$0.19+52.63%Beat+45.0%
    Mar 26
    		$0.20$0.16+25.00%Beat+130.3%
    Dec 25
    		$0.02N/A-93.55%Miss+108.3%
    Sep 25
    		$-0.84$0.18-566.67%Miss-157.9%
    Jun 25
    		$0.20$0.27-25.93%Miss-31.0%
    Mar 25
    		$-0.66$0.21-414.29%Miss-240.4%
    Dec 24
    		$-0.24$0.22-209.09%Miss-214.3%
    Sep 24
    		$1.45$0.25+480.00%Beat+208.5%
    Jun 24
    		$0.29$0.43-32.56%Miss-58.6%
    Mar 24
    		$0.47$0.59-20.34%Miss-55.7%
    Dec 23
    		$0.21N/A-72.00%Miss-75.3%
    Sep 23
    		$0.47$0.74-36.49%Miss-24.2%
    Jun 23
    		$0.70$0.76-7.89%Miss-23.9%
    Mar 23
    		$1.06$0.82+29.27%Beat+17.8%
    Dec 22
    		$0.85$0.83+2.41%Beat+297.7%
    Sep 22
    		$0.62$0.79-21.52%Miss-32.6%
    Jun 22
    		$0.92$0.78+17.95%Beat-6.1%
    Mar 22
    		$0.90$0.75+20.00%Beat-47.4%
    Dec 21
    		$-0.43N/A-149.43%Miss-144.3%
    Sep 21
    		$0.92$0.82+12.20%Beat-10.7%
    Jun 21
    		$0.98$0.85+15.29%Beat+7.7%
    Mar 21
    		$1.71$0.77+122.08%Beat+235.3%
    Dec 20
    		$0.97$0.83+16.87%Beat+44.8%
    Sep 20
    		$1.03$0.79+30.38%Beat+66.1%
    Jun 20
    		$0.91$0.42+116.67%Beat+23.0%
    Mar 20
    		$0.51$0.45+13.33%Beat-12.1%
    Dec 19
    		$0.67$0.58+15.52%Beat+15.5%
    Sep 19
    		$0.62$0.57+8.77%Beat+17.0%
    Jun 19
    		$0.74$0.53+39.62%Beat+51.0%
    Mar 19
    		$0.58$0.45+28.89%Beat+45.0%
    Dec 18
    		$0.58$0.47+23.40%Beat+34.9%
    Sep 18
    		$0.53$0.49+8.16%Beat-3.6%
    Jun 18
    		$0.49$0.47+4.26%Beat+14.0%
    Mar 18
    		$0.40$0.42-4.76%Miss+11.1%
    Dec 17
    		$0.43$0.42+2.38%Beat+0.0%
    Sep 17
    		$0.55$0.50+10.00%Beat+10.0%
    Jun 17
    		$0.43$0.41+4.88%Beat-
    Mar 17
    		$0.36$0.42-14.29%Miss-
    Dec 16
    		$0.43$0.44-2.27%Miss-
    Sep 16
    		$0.50$0.48+4.17%Beat-

    Dividends

    Dividend Metrics

    Yield6.73%
    Annual/Share$0.64
    Payout Ratio74.38%
    Frequency4
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+0.00%
    5Y CAGR+0.00%
    View NAVI's full dividend history

    Key Metrics

    Valuation
    P/E Ratio-28.82EV/EBITDAN/A
    Price/FCF2.69xFCF Yield37.24%
    Profitability
    Profit Margin-14.70%Operating Margin33.90%
    ROE-1.98%ROIC1.05%
    Financial Health
    Debt/Equity18.31xInterest Coverage0.22x
    Current Ratio0.51xQuick Ratio0.51x
    Trading Statistics
    Beta1.19Avg Volume1.28M
    52-Week High$13.1352-Week Low$7.18

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$9.34
    SMA 20$9.19
    SMA 50$8.76
    SMA 200$9.41
    EMA 10$9.34
    EMA 20$9.18
    EMA 50$8.86
    EMA 200$9.39

    MACD

    Line: 0.21Signal: 0.20Hist: 0.01

    ADX

    ADX: 19.0+DI: 24.8-DI: 14.6

    Aroon & PSAR

    Aroon Up96.0
    Aroon Down12.0
    PSAR$8.66

    Bollinger Bands

    Upper Band$9.79
    Lower Band$8.59
    %B Position1310%(Upper)
    Band Width0.77

    RSI (14-Day)

    Neutral
    59.6

    Momentum Oscillators

    Stoch %K79.3
    Stoch %D81.1
    Williams %R-18.0
    ROC (10d)3.8%
    Momentum0.35
    CCI (20d)111.2
    MFI (14d)54.1

    Volatility Measures

    ATR (14d)$0.35(3.7%)
    StdDev (20d)0.30
    Hist Vol51.0%(High)

    Volume Flow

    VWAP$9.51
    OBV-1.4M
    AD Line-948.3M
    CMF (20d)0.177

    Volume Metrics

    Avg Vol (20d)1.3M
    Vol Ratio0.9x
    VWMA (20d)$9.17

    Pivot Points

    R3$10.08
    R2$9.91
    R1$9.69
    Pivot Point$9.52
    S1$9.30
    S2$9.13
    S3$8.91

    Advanced Oscillators

    TSI15.25
    Ultimate Osc58.6
    KST78.51

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$682.00M$695.00M$761.00M$800.00M$806.00M$828.00M$977.00M$1.00B$1.09B$1.16B$1.15B$1.30B
    Cost of Revenue$27.00M$564.00M$88.00M$807.00M$687.00M$702.00M$771.00M$870.00M$857.00M$887.00M$976.00M$951.00M
    Gross Profit$655.00M$131.00M$673.00M$-7,000,000$119.00M$126.00M$206.00M$135.00M$233.00M$275.00M$175.00M$350.00M
    Operating Expenses$82.00M$120.00M$47.00M$110.00M$101.00M$131.00M$180.00M$123.00M$185.00M$187.00M$211.00M$240.00M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$27.00M$89.00M$88.00M$32.00M$35.00M$49.00M$57.00M$72.00M$87.00M$101.00M$99.00M$99.00M
    Operating Income$573.00M$11.00M$626.00M$-117,000,000$18.00M$-5,000,000$26.00M$12.00M$48.00M$88.00M$-36,000,000$110.00M
    Interest Income$682.00M$695.00M$747.00M$781.00M$778.00M$802.00M$861.00M$948.00M$973.00M$1.03B$1.08B$1.17B
    Interest Expense$564.00M$564.00M$621.00M$639.00M$650.00M$672.00M$726.00M$828.00M$843.00M$875.00M$921.00M$879.00M
    Income Before Tax$39.00M$32.00M$-7,000,000$-117,000,000$18.00M$-5,000,000$26.00M$12.00M$48.00M$88.00M$-36,000,000$110.00M
    Income Tax Expense$14.00M$15.00M$-2,000,000$-31,000,000$4.00M$-3,000,000$2.00M$14.00M$12.00M$15.00M$-8,000,000$31.00M
    Net Income$25.00M$17.00M$-5,000,000$-86,000,000$14.00M$-2,000,000$24.00M$-2,000,000$36.00M$73.00M$-28,000,000$79.00M
    EBITDA$570.00M$15.00M$615.00M$-117,000,000$19.00M$-5,000,000$26.00M$12.00M$48.00M$88.00M$-36,000,000$110.00M
    EBITN/A$11.00M$614.00MN/A$18.00M$677.00M$796.00M$623.00M$918.00M$972.00M$1.00B$986.00M
    * Some calculated fields are derived from available data when not provided by source

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    News

    JSM | Navient Corporation 6% Senior Insider Trading

    This article provides an overview of Navient Corporation's 6% Senior Notes (JSM), focusing on insider trading, institutional holdings, and other financial data. It indicates that there is no recent insider trading activity for this ticker and no reported Congressional trading or corporate lobbying instances. The article also touches on analyst ratings, executive compensation, and the Quiver Smart Score.

    Quiver Quantitative•8/23/26•
    Neutral

    How Navient Corporation (JSM) Affects Rotational Strategy Timing

    This article analyzes Navient Corporation (NYSE: JSM) using AI models to provide trading strategies. It highlights a neutral sentiment with a mid-channel oscillation, presenting a strong risk-reward short setup. The analysis offers distinct position, momentum breakout, and risk hedging strategies tailored for different investor profiles.

    Stock Traders Daily•8/11/26•
    Neutral

    Navient (NAVI) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

    Navient (NAVI) reported Q2 2026 revenue of $120 million, an 8.4% year-over-year decline, missing the Zacks Consensus Estimate. However, its EPS of $0.29 surpassed the consensus estimate by 52.63%. The article also details how key financial metrics like net interest margin and core non-interest income compared to analyst estimates for both Consumer Lending and Federal Education Loan segments.

    Yahoo Finance•8/6/26•
    Neutral

    Navient Set to Report Q2 Earnings: What's in Store for the Stock?

    NAVI's Q2 results, set to be reported on Aug. 6, are expected to benefit from cost-control efforts despite lower revenues and earnings.

    Zacks Commentary•8/3/26•
    Somewhat-Bullish

    States expand student loan options as new federal borrowing caps take effect - but they come with trade-offs

    Some states - including Connecticut, Minnesota and Rhode Island - have expanded their own student loan programs amid new limits on federal borrowing.

    CNBC•8/2/26•
    Neutral

    Frequently Asked Questions About NAVI

    What is NAVI's current dividend yield?
    Navient Corp (NAVI) has a current dividend yield of 6.73%.
    Does NAVI pay dividends?
    Yes, Navient Corp pays dividends with a current yield of 6.73%.
    What is NAVI's market cap?
    Navient Corp (NAVI) has a market capitalization of $887.20M with a current stock price of $9.51.

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