Navient Corporation
General ticker "NAVI" information:
- Sector: Financials
- Industry: Financial - Credit Services
- Capitalization: $934.5M (TTM average)
Navient Corporation does not follow the US Stock Market performance with the rate: -12.3%.
Estimated limits based on current volatility of 1.8%: low 9.27$, high 9.62$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-09-04, amount 0.16$ (Y6.90%)
- Total employees count: 670 (-68.1%) as of 2025
- Company does not operate outside North America (retrieved using AI)
- Top business risk factors: Liquidity and credit risks, Market risk, Operational and conduct risks, Regulatory and compliance, Litigation risks
- Current price 11.1% below estimated low
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [10.44$, 16.10$]
- 2026-12-31 to 2027-12-31 estimated range: [11.33$, 17.30$]
Financial Metrics affecting the NAVI estimates:
- Positive: with PPE of -39.2 at the end of fiscal year the price was neutral
- Positive: Operating cash flow per share per price, % of 34.41 > 24.19
- Positive: Operating profit margin, % of 77.14 > 33.79
- Positive: Industry operating cash flow per share per price (median), % of 18.50 > 16.44
- Positive: 14.78 < Industry operating profit margin (median), % of 18.97
- Positive: Industry earnings per price (median), % of 8.28 > 6.58
- Positive: Shareholder equity ratio, % of 4.93 <= 7.04
- Positive: -0.55 < Return on assets ratio (scaled to [-100,100]) of -0.16
- Positive: Investing cash flow per share per price, % of 211.58 > 2.08
Short-term NAVI quotes
Long-term NAVI plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $4,836.00MM | $4,234.00MM | $3,229.00MM |
| Operating Expenses | $4,523.00MM | $4,060.00MM | $738.00MM |
| Operating Income | $313.00MM | $174.00MM | $2,491.00MM |
| Non-Operating Income | $0.00MM | $0.00MM | $-2,602.00MM |
| Interest Expense | $3,557.00MM | $3,273.00MM | $2,582.00MM |
| Income(Loss) | $313.00MM | $174.00MM | $-111.00MM |
| Taxes | $85.00MM | $43.00MM | $-31.00MM |
| Net Income(Loss)* | $228.00MM | $131.00MM | $-80.00MM |
| Stockholders Equity | $2,760.00MM | $2,641.00MM | $2,399.00MM |
| Assets | $61,375.00MM | $51,789.00MM | $48,681.00MM |
| Operating Cash Flow | $676.00MM | $459.00MM | $441.00MM |
| Investing Cash Flow | $7,357.00MM | $8,466.00MM | $2,712.00MM |
| Financing Cash Flow | $-10,047.00MM | $-9,615.00MM | $-3,152.00MM |
| Earnings Per Share** | $1.87 | $1.20 | $-0.81 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.