Skip to main content
    N

    Navient Corp (NAVI)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

    $9.56
    +0.30 (+3.24%)

    Market Cap: $883.44M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    62%(24/39)
    Avg Surprise
    -14.64%
    Streak
    2 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.10
    Range$0.06 - $0.17
    7 analysts
    EPS Revisions
    1
    0
    7d
    2
    3
    30d
    EPS Estimate DriftChange to current
    90d ago$0.09+9.5%
    60d ago$0.08+24.0%
    30d ago$0.09+17.6%
    7d ago$0.09+17.6%
    Current$0.10
    Revenue Consensus
    $128M
    Range$126M - $133M
    3 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.31
    Range$0.20 - $0.50
    7 analysts
    Revenue Consensus
    $128M
    Range$102M - $160M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.31---
    Sep 26EST
    		-$0.10---
    Jun 26
    Reported Aug 6
    		$0.29$0.19+52.63%Beat+45.0%
    Mar 26
    Reported Apr 29
    		$0.20$0.16+25.00%Beat+130.3%
    Dec 25
    Reported Jan 28
    		$0.02N/A-93.55%Miss+108.3%
    Sep 25
    Reported Oct 29
    		$-0.84$0.18-566.67%Miss-157.9%
    Jun 25
    Reported Jul 30
    		$0.20$0.27-25.93%Miss-31.0%
    Mar 25
    Reported Apr 30
    		$-0.66$0.21-414.29%Miss-240.4%
    Dec 24
    Reported Jan 29
    		$-0.24$0.22-209.09%Miss-214.3%
    Sep 24
    Reported Oct 30
    		$1.45$0.25+480.00%Beat+208.5%
    Jun 24
    Reported Jul 24
    		$0.29$0.43-32.56%Miss-58.6%
    Mar 24
    Reported Apr 24
    		$0.47$0.59-20.34%Miss-55.7%
    Dec 23
    Reported Jan 31
    		$0.21N/A-72.00%Miss-75.3%
    Sep 23
    Reported Oct 25
    		$0.47$0.74-36.49%Miss-24.2%
    Jun 23
    Reported Jul 26
    		$0.70$0.76-7.89%Miss-23.9%
    Mar 23
    Reported Apr 26
    		$1.06$0.82+29.27%Beat+17.8%
    Dec 22
    Reported Jan 24
    		$0.85$0.83+2.41%Beat+297.7%
    Sep 22
    Reported Oct 25
    		$0.62$0.79-21.52%Miss-32.6%
    Jun 22
    Reported Jul 26
    		$0.92$0.78+17.95%Beat-6.1%
    Mar 22
    Reported Apr 26
    		$0.90$0.75+20.00%Beat-47.4%
    Dec 21
    Reported Jan 25
    		$-0.43N/A-149.43%Miss-144.3%
    Sep 21
    Reported Oct 26
    		$0.92$0.82+12.20%Beat-10.7%
    Jun 21
    Reported Jul 27
    		$0.98$0.85+15.29%Beat+7.7%
    Mar 21
    Reported Apr 27
    		$1.71$0.77+122.08%Beat+235.3%
    Dec 20
    Reported Jan 26
    		$0.97$0.83+16.87%Beat+44.8%
    Sep 20
    Reported Oct 20
    		$1.03$0.79+30.38%Beat+66.1%
    Jun 20
    Reported Jul 21
    		$0.91$0.42+116.67%Beat+23.0%
    Mar 20
    Reported Apr 21
    		$0.51$0.45+13.33%Beat-12.1%
    Dec 19
    Reported Jan 21
    		$0.67$0.58+15.52%Beat+15.5%
    Sep 19
    Reported Oct 22
    		$0.62$0.57+8.77%Beat+17.0%
    Jun 19
    Reported Jul 23
    		$0.74$0.53+39.62%Beat+51.0%
    Mar 19
    Reported Apr 23
    		$0.58$0.45+28.89%Beat+45.0%
    Dec 18
    Reported Jan 22
    		$0.58$0.47+23.40%Beat+34.9%
    Sep 18
    Reported Oct 23
    		$0.53$0.49+8.16%Beat-3.6%
    Jun 18
    Reported Jul 24
    		$0.49$0.47+4.26%Beat+14.0%
    Mar 18
    Reported Apr 24
    		$0.40$0.42-4.76%Miss+11.1%
    Dec 17
    Reported Jan 23
    		$0.43$0.42+2.38%Beat+0.0%
    Sep 17
    Reported Oct 17
    		$0.55$0.50+10.00%Beat-
    Jun 17
    Reported Jul 18
    		$0.43$0.41+4.88%Beat-
    Mar 17
    Reported Apr 18
    		$0.36$0.42-14.29%Miss-
    Dec 16
    Reported Jan 24
    		$0.43$0.44-2.27%Miss-

    Dividends

    Dividend Metrics

    Forward Yield6.69%
    Forward Annual Dividend$0.64
    Payout Ratio74.38%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+0.00%
    5Y CAGR+0.00%
    NAVI dividend history and ex-dividend datesRun NAVI in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio-28.97EV/EBITDA39.41x
    Price/FCF2.70xFCF Yield37.05%
    Profitability
    Profit Margin-14.70%Operating Margin33.90%
    ROE-1.98%ROIC2.64%
    Financial Health
    Debt/Equity18.31xInterest Coverage0.55x
    Current Ratio0.51xQuick Ratio0.51x
    Trading Statistics
    Beta1.17Avg Volume1.46M
    52-Week High$12.7452-Week Low$7.06

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$9.21
    SMA 20$9.22
    SMA 50$9.22
    SMA 200$8.93
    EMA 10$9.28
    EMA 20$9.25
    EMA 50$9.13
    EMA 200$9.26

    MACD

    Line: 0.02Signal: -0.01Hist: 0.03

    ADX

    ADX: 13.8+DI: 19.6-DI: 16.5

    Aroon & PSAR

    Aroon Up16.0
    Aroon Down52.0
    PSAR$8.90

    Bollinger Bands

    Upper Band$9.63
    Lower Band$8.81
    %B Position893%(Upper)
    Band Width0.92

    RSI (14-Day)

    Neutral
    57.2

    Momentum Oscillators

    Stoch %K84.0
    Stoch %D74.9
    Williams %R-6.4
    ROC (10d)4.9%
    Momentum0.45
    CCI (20d)120.1
    MFI (14d)69.2

    Volatility Measures

    ATR (14d)$0.34(3.5%)
    StdDev (20d)0.21
    Hist Vol32.3%(Moderate)

    Volume Flow

    VWAP$9.50
    OBV7.1M
    AD Line-930.0M
    CMF (20d)0.036

    Volume Metrics

    Avg Vol (20d)1.4M
    Vol Ratio0.9x
    VWMA (20d)$9.25

    Pivot Points

    R3$9.66
    R2$9.50
    R1$9.38
    Pivot Point$9.23
    S1$9.11
    S2$8.95
    S3$8.83

    Advanced Oscillators

    TSI1.78
    Ultimate Osc59.0
    KST-19.29

    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

    Related GNG Research

    No research available

    Be the first to write about NAVI

    News

    Navient Corporation (NAVI) Stock Forecasts

    Argus has lowered its target price for Navient Corporation (NAVI) to $9.00. The company provides technology-enabled education finance solutions. The current price of NAVI stock is $9.56.

    Yahoo! Finance Canada•10/15/26•Somewhat-Bearish

    Navient stock gets a November 4 results date. Barclays cuts target

    Navient Corporation has scheduled its third-quarter results for November 4, 2026, and its stock was trading at USD 9.02 on October 7, 2026. Analysts maintain a cautious outlook, with an average target of USD 8.08...

    AD HOC NEWS•10/8/26•Neutral

    NAVI stock gained 0.88 percent after a 45 percent Q2 EPS beat

    Navient (NAVI) stock gained 0.88% after the company reported a Q2 EPS of $0.29, beating the consensus estimate of $0.20 by 45%. Revenue for Q2 reached $150.0 million...

    AD HOC NEWS•10/5/26•Bullish

    US63938CAL2 Bond Profile: Coupon and Redemption

    This article provides a detailed profile of the US63938CAL2 bond issued by Navient Corporation, a 4.875% bond maturing on March 15, 2028. It covers key facts about the issuer and bond, including its face value...

    TradingView•9/27/26•Neutral

    Form 4 Navient Corp For: 25 September By Investing.com

    This article announces the filing of a Form 4 for Navient Corp on September 25. Form 4 is a document filed with the SEC by company insiders to report transactions in the company's stock. The article itself is very brief...

    Investing.com Canada•9/26/26•Neutral

    NAVI Valuation and Fair Value

    P/E
    -29.0x
    Forward P/E
    9.2x
    EV/EBITDA
    39.4x
    P/FCF
    2.7x
    PEG
    0.1x
    P/B
    0.4x
    See GNG's fair value

    NAVI Profitability: Margins, ROIC and FCF

    Gross margin
    49.4%
    Operating margin
    33.9%
    Net margin
    -14.7%
    ROIC
    2.6%
    ROE
    -2.0%
    FCF margin
    11.6%
    FCF yield
    37.0%

    NAVI Competitors

    CompanyTicker
    Farmers National Banc CorpFMNB
    First Financial Corporation IndianaTHFF
    Barings BDC IncBBDC
    Merchants BancorpMBINN
    Employers Holdings IncEIG
    SmartFinancial, Inc.SMBK
    Southside Bancshares, Inc.SBSI
    Prospect Capital CorporationPSEC

    Sector: Financial Services

    NAVI Analyst Ratings

    Consensus
    Sell
    Analysts
    7
    Strong Buy
    0
    Buy
    1
    Hold
    3
    Sell
    1
    Strong Sell
    2

    NAVI Bull Case vs Bear Case

    Bear case

    • NAVI has a -14.7% net profit margin.
    • NAVI beat EPS estimates in 37.5% of its last 8 reported quarters.
    • NAVI has a debt-to-equity ratio of 18.3x.

    NAVI Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    -94.0%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.10
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 3 down

    NAVI Dividend

    Forward yield
    6.7%
    Payout ratio
    74.4%
    3Y DPS growth
    0.0%
    5Y DPS growth
    0.0%
    Pay months
    Mar, Jun, Sep, Dec
    NAVI dividend history

    Frequently Asked Questions About NAVI

    What is NAVI's current dividend yield?

    Navient Corp (NAVI) has a forward dividend yield of 6.69%.

    Does NAVI pay dividends?

    Yes, Navient Corp pays dividends with a forward dividend yield of 6.69%.

    What is NAVI's market cap?

    Navient Corp (NAVI) has a market capitalization of $883.44M with a current stock price of $9.56.

    Related stocks

    Sector: Financial Services

    All stocks starting with N

    Get full access to GNG Research

    Create a free account to access portfolio tracking, advanced tools, and more.

    Create Free AccountLog In