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Home CompaniesNavient Corp

Navient Corp

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
8.42 USD -0.40 ( 4.54%)
Last update at 2026-11-06T21:00:00Z
VOLUME
1937955
Market Cap
937.84M

Momentum Score

…

Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand. It also owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.

Source: TradingView
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Day Price Range
8.01
Low
9.17
High
52 Week Price Range
7.06
Low
12.74
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
8.82
Dividend Yield
6.54%
Revenue TTM
334.00M
Revenue Per Share
3.50
Gross Profit TTM
334.00M
Debt / Equity
19.05
ROE
-1.98%
Net Debt
43602.00M
ROCE
5.67%
Diluted EPS TTM
-0.49

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax -111.00M 174.00M 313.00M 827.00M 936.00M
Net income -80.00M 131.00M 228.00M 645.00M 717.00M
Selling general administrative 149.00M 316.00M 401.00M 444.00M 569.00M
Gross profit 2808.00M 848.00M 1156.00M 1737.00M 1004.00M
Ebit 2471.00M 3321.00M 3941.00M 2929.00M 2252.00M
Ebitda 2474.00M 174.00M 313.00M 2929.00M 936.00M
Depreciation and amortization 3.00M 146.00M 10.00M 19.00M 30.00M
Operating income 2491.00M 174.00M 313.00M 2929.00M 936.00M
Other operating expenses 738.00M 4060.00M 4523.00M 1192.00M -1275.00M
Interest expense 2582.00M 3273.00M 3557.00M 2102.00M 1316.00M
Tax provision -31.00M 43.00M 102.00M 182.00M 219.00M
Interest income 3108.00M 3809.00M 4362.00M 3223.00M 2648.00M
Net interest income 519.00M 536.00M 925.00M 1121.00M 1332.00M
Income tax expense -31.00M 43.00M 85.00M 182.00M 219.00M
Total revenue 3229.00M 4234.00M 4836.00M 1737.00M 2211.00M
Total operating expenses 317.00M 674.00M 843.00M 1192.00M -1275.00M
Cost of revenue 421.00M 3386.00M 3680.00M 444.00M 1207.00M
Total other income expense net -2602.00M -2639.00M -3628.00M -2102.00M 702.00M
Net income from continuing ops -80.00M 131.00M 361.00M 645.00M 717.00M
Net income applicable to common shares - - - 645.00M 717.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 48681.00M 51789.00M 61375.00M 70795.00M 80605.00M
Intangible assets 6.00M 9.00M 695.00M 35.00M 54.00M
Other current assets -1670.00M -521.00M -2793.00M 3334.00M 75742.00M
Total liab 46282.00M 49148.00M 58615.00M 67818.00M 77997.00M
Total stockholder equity 2399.00M 2641.00M 2756.00M 2977.00M 2597.00M
Other current liab - -5134.00M -4226.00M -405.00M -2490.00M
Common stock 4.00M 4.00M 4.00M 4.00M 4.00M
Capital stock 4.00M 4.00M 4.00M 4.00M 4.00M
Retained earnings 4552.00M 4697.00M 4638.00M 4490.00M 3939.00M
Other liab - - - 664.00M 1019.00M
Good will 428.00M 428.00M 670.00M 670.00M 671.00M
Other assets 46143.00M 49249.00M 54827.00M 65616.00M 76204.00M
Cash 2104.00M 722.00M 2793.00M 1535.00M 905.00M
Total current liabilities 5073.00M 4747.00M 4226.00M 5465.00M 2490.00M
Net debt 43602.00M 47943.00M 54835.00M 65361.00M 76073.00M
Short term debt 5073.00M 4747.00M 4226.00M 5870.00M 2490.00M
Short long term debt 4270.00M 3988.00M 4145.00M 5870.00M 2490.00M
Short long term debt total 45706.00M 48665.00M 57628.00M 66896.00M 76978.00M
Other stockholder equity -2159.00M -2063.00M -1905.00M -1604.00M -1213.00M
Property plant equipment - - - 74.00M 95.00M
Total current assets 3774.00M 2624.00M 2793.00M 3781.00M 3314.00M
Long term investments 166.00M 143.00M 146.00M 167.00M 267.00M
Net tangible assets - - - 2272.00M 1872.00M
Short term investments - - - 452.00M 462.00M
Net receivables 1670.00M 1902.00M 2304.00M 2246.00M 2409.00M
Long term debt 40898.00M 43918.00M 53276.00M 61026.00M 74488.00M
Inventory - - 489.00M - -
Noncontrolling interest in consolidated entity - - - - 11.00M
Accumulated other comprehensive income 2.00M 3.00M 19.00M 87.00M -133.00M
Common stock total equity - - - 4.00M 4.00M
Retained earnings total equity - - - 4490.00M 3939.00M
Treasury stock - - - -4917.00M -4495.00M
Non currrent assets other 42.00M 1940.00M 2914.00M 452.00M -1087.00M
Non current assets total 44907.00M 49165.00M 3755.00M 1398.00M 1087.00M
Long term debt total - - - 61026.00M 74488.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - 8466.00M 9106.00M -2051.00M -4516.00M
Change to liabilities - - - 159.00M -55.00M
Total cashflows from investing activities 2712.00M 8466.00M 7357.00M 10585.00M 6673.00M
Net borrowings -3066.00M -9287.00M -9558.00M -9259.00M -6824.00M
Total cash from financing activities -3152.00M -9615.00M -10047.00M -9661.00M -7334.00M
Change to operating activities - - - 121.00M 440.00M
Net income -80.00M 131.00M 228.00M 645.00M 717.00M
Change in cash 1.00M -690.00M -2014.00M 1229.00M 41.00M
Begin period cash flow 2103.00M 2793.00M 4807.00M 3578.00M 3537.00M
End period cash flow 2104.00M 2103.00M 2793.00M 4807.00M 3578.00M
Total cash from operating activities 441.00M 459.00M 676.00M 305.00M 702.00M
Depreciation 3.00M 146.00M 10.00M 19.00M 30.00M
Other cashflows from investing activities 2712.00M 8466.00M 7357.00M 12636.00M 11189.00M
Dividends paid 63.00M 70.00M 78.00M -91.00M -107.00M
Change to account receivables 76.00M 348.00M -50.00M -147.00M 47.00M
Sale purchase of stock -111.00M -179.00M -310.00M -400.00M -600.00M
Other cashflows from financing activities 264.00M -79.00M -101.00M 3426.00M 197.00M
Change to netincome - - - -340.00M -15.00M
Capital expenditures 0.00M 0.00M 0.00M 0.00M 0.00M
Cash and cash equivalents changes - - - 1229.00M 41.00M
Change in working capital 93.00M 212.00M 136.00M 133.00M 432.00M
Stock based compensation 21.00M 23.00M 24.00M 19.00M 22.00M
Other non cash items 404.00M 93.00M 288.00M -492.00M -469.00M
Free cash flow 441.00M 459.00M 676.00M 305.00M 702.00M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
NAVI
Navient Corp		 -0.40
4.54%		 8.42 - 9.78 2.81 0.38 74.58
V
Visa Inc. Class A		 0.06
0.01%		 422.65 31.25 25.97 16.18 13.64 16.19
MA
Mastercard Inc		 -3.22
0.49%		 652.70 31.59 24.88 14.31 89.68 14.71
AXP
American Express Company		 -3.94
1.21%		 321.03 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation		 -1.97
0.97%		 201.87 11.39 8.75 2.64 1.11 2.76

Profile*

Navient Corp

Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand. It also owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.

13865 Sunrise Valley Drive, Herndon, VA, United States, 20171

302 283 8000

https://www.navient.com

670

Name Title Year Born
Mr. John F. Remondi Pres, CEO & Director 1963
Mr. Joe Fisher C.F.A. Exec. VP, CFO & Principal Accounting Officer 1981
Mr. Stephen M. Hauber Exec. VP and Chief Risk & Compliance Officer 1975
Mr. Mark L. Heleen Chief Legal Officer, Sec. & Exec. VP 1963
Mr. John M. Kane Exec. VP & Group Pres of Bus. Processing Solutions 1969
Mr. Mike Maier Sr. VP & Chief Information Officer NA
Ms. Jen Earyes Head of Investor Relations NA
Paul Hartwick VP of Corp. Communications NA
Ms. Patricia Nash Christel VP of Corp. Marketing & Communications and Chief of Staff to the CEO NA
Mr. Mike Smith Sr. VP & Chief HR Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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