Navient Corporation

Navient Corporation

NAVI
Navient CorporationUS flagNASDAQ Global Select
7.44
USD
-0.67
- -
699.28MMarket Cap
Navient Corporation
NAVI
(NASDAQ Global Select)

Recent

price

7.44

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.95
9.12
8.57
8.28
7.97
8.03
7.4
8.66
8.77
13.04
12.23
10.49
8.8
6.18
6.44
Revenue per Share
1.93
3.18
2.71
2.63
2.15
1.06
1.52
2.59
2.14
4.23
4.54
1.87
1.2
-0.81
-0.64
Basic EPS, GAAP
5.54
4.55
3.99
5.1
4.25
4.2
4.39
4.42
5.13
4.14
2.15
5.54
4.2
4.47
3.43
Free Cash Flow per Basic Share
0.54
0.65
0.61
0.64
0.63
0.64
0.64
0.64
0.64
0.63
0.64
0.64
0.64
0.64
0.66
Dividend per Share
- -
6.12
4.14
6.45
9.14
10.92
12.4
15.91
17.32
23.26
31.63
38.07
43.06
46.13
48.39
Book Value per Share
- -
10.58
9.18
8.61
9.64
9.71
10.62
11.25
8.89
11.11
15.99
16.94
20.19
19.9
20.7
Tangible Book Value per Share
476
440
417
375
317
275
260
231
193
170
142
122
109
99
94
Basic Weighted Avg Shares
3,307
4,011
3,574
3,102
2,523
2,211
1,923
1,996
1,688
2,211
1,737
1,279
961
610
606
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
13
9
12
29
23
31
25
21
- -
- -
- -
- -
- -
- -
Depreciation Expense
939
1,418
1,137
984
681
292
395
597
412
717
645
228
131
-80
-60
Net Income, GAAP
34.66
37.18
37.46
37.78
38.54
61.78
25.19
21.76
22.56
23.4
22.01
27.16
24.71
- -
69.1
Effective Tax Rate (%)
28.39
35.35
31.81
31.72
26.99
13.21
20.54
29.91
24.41
32.43
37.13
17.83
13.63
-13.11
-9.9
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
130,667
121,615
109,760
101,393
97,784
90,794
80,678
76,979
72,929
62,431
53,154
43,918
40,898
40,176
LT Debt
- -
5,642
4,198
3,933
3,723
3,485
3,547
3,349
2,447
2,608
2,977
2,760
2,641
2,399
2,379
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
103.82
51.16
47.47
25.64
9.89
12.68
17.33
11.77
19.7
15.29
4.99
2.8
-1.73
-1.3
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
4,082
4,270
4,469
LT Borrowings
41,654
40,898
40,176
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
98
96
94
Market Capitalization
1,326
1,242
770

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
571
637
621
Accounts Receivable, Net
1,672
1,670
1,631
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
4,082
4,270
4,469
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-4.25%
-0.01%
-9.16%
Free Cash Flow
-5.86%
0.04%
-3.92%
Net Income, GAAP
-23.68%
-40.85%
-161.07%
Sales/Revenue/Turnover
-13.39%
-15.64%
-36.52%
Total Cash Common Dividend
-12.47%
-12.5%
-10%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
287
247
177
251
961
2025
156
156
161
137
610
2026
152
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.65
0.32
-0.02
0.23
1.2
2025
-0.02
0.14
-0.87
-0.06
-0.81
2026
0.18
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.16
0.15
0.18
0.16
0.64
2025
0.16
0.16
0.16
0.18
0.64
2026
0.16
- -
- -
- -
- -
Business
Navient Corporation is a leading provider of loan management, servicing, and asset recovery solutions primarily focused on education loans in the United States. The company specializes in servicing education loan portfolios for federal and private student loans; managing customer support, payment processing, collections, and default aversion; and offering asset recovery services including collections and loan rehabilitation. Navient’s services also extend to portfolio management, compliance, and data analytics designed to support loan performance and borrower outcomes. The company serves a broad customer base including students, borrowers, educational institutions, and lenders across the U.S. Navient operates principally within the financial services and education loan servicing industries. Founded in 2014 and headquartered in Wilmington, Delaware, Navient has undergone significant strategic initiatives in the last two years. These include expanding its operational capabilities through partnerships aimed at enhancing technology-driven loan servicing solutions and increasing investments in digital platforms to streamline customer engagement. In the recent period, Navient has also focused on strengthening its asset recovery business and optimizing operational efficiencies through process improvements and automation. The company continues to navigate complex regulatory environments impacting the education loan market while adapting its service offerings to meet evolving borrower needs. Navient's core business segments include federal loan servicing under government contracts, private loan servicing for various lenders, and asset recovery services focused on loan collections and rehabilitation. The firm's portfolio of products and services includes student loan servicing, customer service and support, borrower outreach and counseling, payment processing, default prevention initiatives, portfolio management, compliance monitoring, and loan reimbursement facilitation. Its geographic operations are predominantly domestic within the United States, where it services millions of loans for federal and private education lenders. As a publicly traded entity under the ticker symbol NAVI, Navient is positioned as a major player in the U.S. education loan servicing market with a substantial loan portfolio under management. The company is focused on maintaining compliance with evolving federal guidelines while leveraging technology and analytics to enhance service delivery and operational outcomes. Recent strategic realignments emphasize digital innovation and customer-centric service models to sustain growth and meet regulatory challenges. Overall, Navient Corporation is recognized for its comprehensive loan servicing and asset recovery solutions related to education financing, operating primarily in the United States, with a focus on federal and private student loans, and continuing to evolve through partnerships and technological advancements since its inception in 2014.

Company News

APIChat
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  • Earnest Expands Refinancing Flexibility for Graduate Students

  • Navient Corporation (NAVI) Q1 2026 Earnings Call Transcript

  • Navient Q1 Earnings Beat as Expenses & Provisions Fall Y/Y, Stock Down

  • Navient (NAVI) Reports Q1 Earnings: What Key Metrics Have to Say

  • Navient (NAVI) Tops Q1 Earnings Estimates

  • Navient posts first quarter 2026 financial results

  • Lower Expenses & Fee Income Growth to Support Navient's Q1 Earnings

  • Navient (NAVI) to Release Quarterly Earnings on Wednesday

  • Why Navient (NAVI) is Poised to Beat Earnings Estimates Again

  • Navient (NAVI) Expected to Beat Earnings Estimates: Can the Stock Move Higher?

  • Buy 8 S&P 600 Small-Cap 'Safer' April DiviDogs

  • Navient Announces Leadership Transition with Board Chair Edward Bramson To Become Chief Executive Officer

  • Navient to announce first quarter 2026 results, host earnings webcast April 29

  • Navient (NASDAQ:NAVI) Stock Price Crosses Below Two Hundred Day Moving Average – Should You Sell?

  • Navient Corporation (NASDAQ:NAVI) Receives Consensus Recommendation of “Strong Sell” from Brokerages

  • Why Is Navient (NAVI) Down 9% Since Last Earnings Report?