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Navient Corporation
NAVI
NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $820.5M
$8.61
▼ -1.37%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$7.33 - $16.07
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 40.7% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Substantial FFELP loan portfolio with government-backed guarantees providing stable, predictable cash flows
- Established relationships with federal, state, and local government agencies creating high switching costs
- Integrated healthcare revenue cycle expertise serving hospitals, physician groups, and public health departments
- Decades of operational experience and infrastructure in education loan servicing since 1973
Bear Case
2 risks
- Average volatility.
- Premium valuation to Digital Payments peers
Growth
Turning profitable
Expansion of healthcare revenue cycle outsourcing services to hospital systems and medical centers
Value
Premium valuation to Digital Payments peers
Momentum
Strong
+5.2% over 3m
Quality
Stable
Strong fundamentals
Dividend
High yield
7.33% yield
Smart-money signal
Who's buying NAVI right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 28, 2026
APR 29, 2026
Reported EPS of $0.20 vs $0.17 consensus (+17.6% surprise). Revenue of $152.0M vs $141.5M expected (+7.4%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+17.6%
Next: Apr 28, 2026
Revenue trend · last 8Q
—
—
+9%
-46%
-37%
-9%
+203%
-16%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$247.0M
$177.0M
$251.0M
$828.0M
$806.0M
$800.0M
$761.0M
$695.0M
Margins · last 8Q
Gross
—
Operating
—
Profit
2.5%
Wall Street consensus
5 analysts · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
60%
Sell
40%
Median Price Target
$8.50
▼ -1.3% vs $8.61
Latest: Barclays · $8.00 · Apr 30, 2026
2 analysts covering