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Navient Corporation NAVI

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Price alert · NAVI

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8.53 USD -0.47 -5.22%

As of Nov 3, 1:59 PM ET

Bid
8.53 × 5
Ask
8.54 × 1
8.49 Day range 9.20
7.33 52-week range 13.48
YTD
-34.38%
1 year
-30.08%
Open
9.02
Prev close
9.00
Mkt cap
800.44M
Vol
766.38K
Avg vol
1.39M
EPS
-0.49
P/E
0.00
Div yield
0.00%
More statistics
Low
8.49
High
9.20
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

MAX chart

Chart tools
Interval
1m5m15m30m

Events in this range
  • Jun 4, 2014Dividend: 0.15
  • Dec 3, 2014Dividend: 0.15
  • Mar 4, 2015Dividend: 0.16
  • Jun 3, 2015Dividend: 0.16
  • Sep 2, 2015Dividend: 0.16
  • Dec 2, 2015Dividend: 0.16
  • Mar 2, 2016Dividend: 0.16
  • Jun 1, 2016Dividend: 0.16
  • Mar 1, 2017Dividend: 0.16
  • Mar 2, 2017Dividend: 0.16
  • Jun 1, 2017Dividend: 0.16
  • Mar 1, 2018Dividend: 0.16
  • Sep 6, 2018Dividend: 0.16
  • Dec 6, 2018Dividend: 0.16
  • Jun 6, 2019Dividend: 0.16
  • Sep 5, 2019Dividend: 0.16
  • Dec 5, 2019Dividend: 0.16
  • Mar 5, 2020Dividend: 0.16
  • Jun 4, 2020Dividend: 0.16
  • Sep 3, 2020Dividend: 0.16
  • Dec 3, 2020Dividend: 0.16
  • Mar 4, 2021Dividend: 0.16
  • Jun 3, 2021Dividend: 0.16
  • Sep 2, 2021Dividend: 0.16
  • Dec 2, 2021Dividend: 0.16
  • Mar 3, 2022Dividend: 0.16
  • Jun 2, 2022Dividend: 0.16
  • Sep 1, 2022Dividend: 0.16
  • Dec 1, 2022Dividend: 0.16
  • Mar 2, 2023Dividend: 0.16
  • Jun 1, 2023Dividend: 0.16
  • Jun 7, 2024Dividend: 0.16
  • Sep 6, 2024Dividend: 0.16
  • Dec 6, 2024Dividend: 0.16
  • Mar 7, 2025Dividend: 0.16
  • Jun 6, 2025Dividend: 0.16
  • Sep 5, 2025Dividend: 0.16
  • Oct 1, 2025Rating: Keefe, Bruyette & Woods · Market Perform → Market Perform
  • Oct 7, 2025Rating: JP Morgan · Neutral → Neutral
  • Dec 5, 2025Dividend: 0.16
  • Jan 6, 2026Rating: Barclays · Underweight → Underweight
  • Mar 6, 2026Dividend: 0.16
  • Jun 5, 2026Dividend: 0.16
  • Sep 4, 2026Dividend: 0.16
Signals (64)
NameDateAgo
SMA: BearishNov 3, 20263 hours ago
MACD: Buy SignalNov 3, 20263 hours ago
SMA: BullishOct 1, 20261 month ago
SMA: BearishSep 1, 20251 year ago
SMA: BullishAug 1, 20251 year ago
SMA: BearishJul 1, 20251 year ago
SMA: BullishJun 1, 20251 year ago
SMA: BearishSep 1, 20242 years ago
SMA: BearishSep 1, 20242 years ago
SMA: BullishAug 1, 20242 years ago
SMA: BullishJul 1, 20242 years ago
SMA: BearishApr 1, 20242 years ago
SMA: BullishMar 1, 20242 years ago
SMA: BearishJan 1, 20242 years ago
SMA: BearishJan 1, 20242 years ago
SMA: BullishDec 1, 20232 years ago
SMA: BearishSep 1, 20233 years ago
SMA: BearishSep 1, 20233 years ago
MACD: Sell SignalSep 1, 20233 years ago
MACD: Buy SignalJul 1, 20233 years ago

Newest 20 of 64.

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