Navient Corporation NAVI

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9.30 USD +0.22 +2.42%

At close · Oct 30

9.30 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
9.30 × 1
Ask
9.31 × 1
8.83 Day range 9.31
7.44 52-week range 13.28
YTD
-28.46%
1 year
-22.44%
Open
8.95
Prev close
9.08
Mkt cap
872.19M
Vol
1.99M
Avg vol
1.35M
EPS
-0.49
P/E
0.00
Div yield
5.32%
More statistics
Low
8.83
High
9.31
Forward P/E
6.88
Beta
1.30
Short ratio
9.36
Inst. own
104.74%
Dividend
0.64
Ex-div date
Dec 4, 2025
Earnings
Jan 28, 2026
50-d avg
12.51
200-d avg
12.96
1y target
12.94

5D chart

Chart tools
Interval

Signals (95)
NameTimeAgo
MACD: Buy SignalOct 30, 3:50 PM1 day ago
SMA: BullishOct 30, 3:30 PM1 day ago
SMA: BullishOct 30, 3:30 PM1 day ago
SMA: BearishOct 30, 3:10 PM1 day ago
SMA: BearishOct 30, 3:00 PM1 day ago
SMA: BullishOct 30, 2:40 PM1 day ago
MACD: Sell SignalOct 30, 2:20 PM1 day ago
MACD: Buy SignalOct 30, 2:00 PM1 day ago
RSI: OverboughtOct 30, 2:00 PM1 day ago
MACD: Sell SignalOct 30, 1:50 PM1 day ago
RSI: OverboughtOct 30, 1:25 PM1 day ago
MACD: Buy SignalOct 30, 1:00 PM1 day ago
MACD: Sell SignalOct 30, 12:50 PM1 day ago
MACD: Buy SignalOct 30, 12:35 PM1 day ago
MACD: Sell SignalOct 30, 11:30 AM1 day ago
MACD: Buy SignalOct 30, 10:20 AM1 day ago
MACD: Sell SignalOct 30, 9:45 AM1 day ago
SMA: BearishOct 30, 9:35 AM1 day ago
RSI: OverboughtOct 29, 3:50 PM2 days ago
SMA: BullishOct 29, 3:20 PM2 days ago
MACD: Buy SignalOct 29, 3:20 PM2 days ago
SMA: BullishOct 29, 3:00 PM2 days ago
SMA: BearishOct 29, 2:55 PM2 days ago
SMA: BullishOct 29, 2:45 PM2 days ago
SMA: BearishOct 29, 2:05 PM2 days ago
SMA: BearishOct 29, 2:05 PM2 days ago
RSI: OverboughtOct 29, 1:45 PM2 days ago
SMA: BearishOct 29, 1:20 PM2 days ago
RSI: OverboughtOct 29, 12:05 PM2 days ago
RSI: OverboughtOct 29, 11:30 AM2 days ago
MACD: Sell SignalOct 29, 10:45 AM2 days ago
RSI: OverboughtOct 29, 10:30 AM2 days ago
SMA: BearishOct 29, 10:25 AM2 days ago
RSI: OverboughtOct 29, 9:30 AM2 days ago
SMA: BullishOct 28, 3:55 PM3 days ago
SMA: BullishOct 28, 3:55 PM3 days ago
SMA: BearishOct 28, 3:50 PM3 days ago
SMA: BearishOct 28, 3:50 PM3 days ago
SMA: BullishOct 28, 3:40 PM3 days ago
SMA: BullishOct 28, 3:40 PM3 days ago
SMA: BearishOct 28, 3:15 PM3 days ago
SMA: BearishOct 28, 3:10 PM3 days ago
MACD: Buy SignalOct 28, 2:30 PM3 days ago
MACD: Sell SignalOct 28, 2:20 PM3 days ago
RSI: OversoldOct 28, 2:10 PM3 days ago
SMA: BearishOct 28, 2:05 PM3 days ago
SMA: BullishOct 28, 1:50 PM3 days ago
MACD: Buy SignalOct 28, 1:50 PM3 days ago
RSI: OversoldOct 28, 12:55 PM3 days ago
RSI: OversoldOct 28, 12:35 PM3 days ago
MACD: Sell SignalOct 28, 12:20 PM3 days ago
RSI: OversoldOct 28, 12:20 PM3 days ago
SMA: BearishOct 28, 12:15 PM3 days ago
MACD: Buy SignalOct 28, 11:30 AM3 days ago
RSI: OversoldOct 28, 10:55 AM3 days ago
SMA: BearishOct 28, 10:10 AM3 days ago
SMA: BearishOct 28, 10:10 AM3 days ago
MACD: Sell SignalOct 28, 10:10 AM3 days ago
SMA: BullishOct 28, 10:05 AM3 days ago
SMA: BearishOct 28, 10:00 AM3 days ago
MACD: Buy SignalOct 28, 9:45 AM3 days ago
MACD: Sell SignalOct 27, 3:35 PM4 days ago
SMA: BearishOct 27, 3:30 PM4 days ago
SMA: BearishOct 27, 3:30 PM4 days ago
MACD: Buy SignalOct 27, 2:50 PM4 days ago
SMA: BullishOct 27, 2:40 PM4 days ago
SMA: BullishOct 27, 2:40 PM4 days ago
SMA: BearishOct 27, 2:35 PM4 days ago
MACD: Sell SignalOct 27, 2:20 PM4 days ago
SMA: BearishOct 27, 2:15 PM4 days ago
SMA: BullishOct 27, 2:00 PM4 days ago
SMA: BullishOct 27, 2:00 PM4 days ago
MACD: Buy SignalOct 27, 2:00 PM4 days ago
MACD: Sell SignalOct 27, 1:55 PM4 days ago
SMA: BearishOct 27, 1:45 PM4 days ago
SMA: BearishOct 27, 1:45 PM4 days ago
SMA: BullishOct 27, 12:45 PM4 days ago
MACD: Buy SignalOct 27, 12:35 PM4 days ago
SMA: BearishOct 27, 12:15 PM4 days ago
SMA: BullishOct 27, 12:05 PM4 days ago
MACD: Sell SignalOct 27, 11:00 AM4 days ago
MACD: Buy SignalOct 27, 9:40 AM4 days ago
SMA: BullishOct 27, 9:35 AM4 days ago
SMA: BullishOct 27, 9:35 AM4 days ago
SMA: BearishOct 26, 3:55 PM5 days ago
MACD: Sell SignalOct 26, 3:55 PM5 days ago
SMA: BullishOct 26, 3:50 PM5 days ago
SMA: BearishOct 26, 2:55 PM5 days ago
SMA: BullishOct 26, 2:10 PM5 days ago
SMA: BearishOct 26, 2:05 PM5 days ago
SMA: BullishOct 26, 1:55 PM5 days ago
MACD: Buy SignalOct 26, 1:55 PM5 days ago
RSI: OversoldOct 26, 1:05 PM5 days ago
RSI: OversoldOct 26, 12:30 PM5 days ago
SMA: BearishOct 26, 10:20 AM5 days ago

Financial health

Altman Z-Score

0.23 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-2 / 5 overall

  • DCF 5
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 1
  • P/B 5

Valuation

P/E -16.0×
FY 2016: 7.6×FY 2017: 12.6×FY 2018: 5.8×FY 2019: 5.3×FY 2020: 4.6×FY 2021: 5.0×FY 2022: 3.6×FY 2023: 10.0×FY 2024: 11.1×FY 2025: -16.0×
FY 2016 5y median 5.0× FY 2025
P/S 0.4×
FY 2016: 1.0×FY 2017: 0.7×FY 2018: 0.4×FY 2019: 0.6×FY 2020: 0.5×FY 2021: 1.0×FY 2022: 0.6×FY 2023: 0.5×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025
P/B 0.5×
FY 2016: 1.4×FY 2017: 1.1×FY 2018: 0.7×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 1.4×FY 2022: 0.8×FY 2023: 0.8×FY 2024: 0.5×FY 2025: 0.5×
FY 2016 5y median 0.8× FY 2025
P/FCF 2.9×
FY 2016: 3.8×FY 2017: 0.4×FY 2018: 2.0×FY 2019: 3.1×FY 2020: 1.9×FY 2021: 5.1×FY 2022: 7.7×FY 2023: 3.4×FY 2024: 3.2×FY 2025: 2.9×
FY 2016 5y median 3.4× FY 2025
EV/EBITDA 18.1×
FY 2016: 104×FY 2017: 142×FY 2018: 174×FY 2019: 116×FY 2020: 152×FY 2021: 84.9×FY 2022: 82.5×FY 2023: 190×FY 2024: 284×FY 2025: 18.1×
FY 2016 5y median 84.9× FY 2025
EV/Sales 13.9×
FY 2016: 24.1×FY 2017: 21.6×FY 2018: 17.9×FY 2019: 16.8×FY 2020: 22.5×FY 2021: 22.5×FY 2022: 17.8×FY 2023: 12.3×FY 2024: 11.7×FY 2025: 13.9×
FY 2016 5y median 13.9× FY 2025
FCF Yield 34.3%
FY 2016: 26.1%FY 2017: 230.0%FY 2018: 49.8%FY 2019: 32.4%FY 2020: 52.1%FY 2021: 19.5%FY 2022: 13.1%FY 2023: 29.8%FY 2024: 31.7%FY 2025: 34.3%
FY 2016 5y median 29.8% FY 2025

Profitability

Gross Margin 87.0%
FY 2016: 42.2%FY 2017: 34.4%FY 2018: 27.8%FY 2019: 31.7%FY 2020: 41.1%FY 2021: 64.4%FY 2022: 43.2%FY 2023: 23.9%FY 2024: 20.0%FY 2025: 87.0%
FY 2016 5y median 43.2% FY 2025
Operating Margin 77.1%
FY 2016: 22.3%FY 2017: 14.7%FY 2018: 9.4%FY 2019: 13.9%FY 2020: 14.2%FY 2021: 26.5%FY 2022: 21.5%FY 2023: 6.5%FY 2024: 4.1%FY 2025: 77.1%
FY 2016 5y median 21.5% FY 2025
Net Margin -2.5%
FY 2016: 13.7%FY 2017: 5.6%FY 2018: 7.1%FY 2019: 10.9%FY 2020: 11.0%FY 2021: 20.3%FY 2022: 16.8%FY 2023: 4.7%FY 2024: 3.1%FY 2025: -2.5%
FY 2016 5y median 4.7% FY 2025
ROE -3.3%
FY 2016: 18.4%FY 2017: 8.5%FY 2018: 11.2%FY 2019: 17.9%FY 2020: 16.9%FY 2021: 27.6%FY 2022: 21.7%FY 2023: 8.3%FY 2024: 5.0%FY 2025: -3.3%
FY 2016 5y median 8.3% FY 2025
ROIC 3.7%
FY 2016: 0.6%FY 2017: 0.3%FY 2018: 0.4%FY 2019: 0.6%FY 2020: 0.5%FY 2021: 0.9%FY 2022: 0.9%FY 2023: 0.4%FY 2024: 0.3%FY 2025: 3.7%
FY 2016 5y median 0.9% FY 2025
ROA -0.2%
FY 2016: 0.6%FY 2017: 0.3%FY 2018: 0.4%FY 2019: 0.6%FY 2020: 0.5%FY 2021: 0.9%FY 2022: 0.9%FY 2023: 0.4%FY 2024: 0.3%FY 2025: -0.2%
FY 2016 5y median 0.4% FY 2025

Growth (YoY)

Revenue -23.7%
FY 2016: -4.1%FY 2017: 4.4%FY 2018: 7.9%FY 2019: -1.9%FY 2020: -31.9%FY 2021: -5.5%FY 2022: 8.8%FY 2023: 26.0%FY 2024: -12.4%FY 2025: -23.7%
FY 2016 FY 2025
Operating Income 1331.6%
FY 2016: -29.9%FY 2017: -31.0%FY 2018: -30.9%FY 2019: 44.5%FY 2020: -30.3%FY 2021: 75.9%FY 2022: -11.6%FY 2023: -62.2%FY 2024: -44.4%FY 2025: 1331.6%
FY 2016 FY 2025
EPS (diluted) -168.6%
FY 2016: -18.8%FY 2017: -50.9%FY 2018: 44.2%FY 2019: 70.7%FY 2020: -17.6%FY 2021: 97.6%FY 2022: 7.4%FY 2023: -58.7%FY 2024: -36.2%FY 2025: -168.6%
FY 2016 FY 2025
Free Cash Flow -3.9%
FY 2016: -89.3%FY 2017: 521.9%FY 2018: -86.5%FY 2019: -10.6%FY 2020: -3.1%FY 2021: -28.9%FY 2022: -56.6%FY 2023: 121.6%FY 2024: -32.1%FY 2025: -3.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.7×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.6×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Quick Ratio 0.7×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.6×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Debt / Equity 19.1×
FY 2016: 31.2×FY 2017: 31.8×FY 2018: 28.2×FY 2019: 27.0×FY 2020: 34.3×FY 2021: 29.5×FY 2022: 22.6×FY 2023: 21.0×FY 2024: 18.4×FY 2025: 19.1×
FY 2016 5y median 21.0× FY 2025
Net Debt / EBITDA 17.6×
FY 2016: 99.8×FY 2017: 138×FY 2018: 170×FY 2019: 112×FY 2020: 148×FY 2021: 81.0×FY 2022: 79.6×FY 2023: 182×FY 2024: 276×FY 2025: 17.6×
FY 2016 5y median 81.0× FY 2025
Interest Coverage 1.0×
FY 2016: 0.5×FY 2017: 0.3×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.7×FY 2022: 0.4×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.0×
FY 2016 5y median 0.4× FY 2025

Dividends

Dividend Yield 4.9%
FY 2016: 3.9%FY 2017: 4.8%FY 2018: 7.3%FY 2019: 4.7%FY 2020: 6.5%FY 2021: 3.0%FY 2022: 3.9%FY 2023: 3.4%FY 2024: 4.8%FY 2025: 4.9%
FY 2016 5y median 3.9% FY 2025
Payout Ratio -78.8%
FY 2016: 29.5%FY 2017: 60.3%FY 2018: 42.0%FY 2019: 24.6%FY 2020: 29.9%FY 2021: 14.9%FY 2022: 14.1%FY 2023: 34.2%FY 2024: 53.4%FY 2025: -78.8%
FY 2016 5y median 14.9% FY 2025

Annual · latest fiscal year ends 2025-12-31