NAVI

Navient Holdings Inc

9.08

Oct 29 • 3:59 PM ET +0.94 (11.55%)

8.92

Aftermarket • 7:31 PM ET -0.16 (-1.76%)

Financial Credit Services USA Small NASD

Today, 4:08 PMS&P Global Ratings revises Navient Corp outlook to negative from stable on risks from planned Navient Holdings restructuring

Peers: NNI SLM SOFI OMF ENVA OPRT PRAA UPST CACC HAPN

| Held by: IJR VTI DFSV AVUV IWM DFAS VXF VB FNDA IWN

Scroll to Statements

Index	RUT
Market Cap	851.56M
Enterprise Value	43.05B
Income	-49.00M
Sales	2.99B
Book/sh	25.57
Cash/sh	22.81
Dividend Est.	0.64 (7.05%)
Dividend TTM	0.64 (7.05%)
Dividend Ex-Date	Sep 04, 2026
Dividend Gr. 3/5Y	0.00% 0.00%
Payout	-
Employees	670
IPO	Apr 17, 2014

P/E	-
Forward P/E	9.32
PEG	-
P/S	0.28
P/B	0.36
P/C	0.40
P/FCF	2.50
EV/EBITDA	16.36
EV/Sales	14.39
Quick Ratio	0.90
Current Ratio	0.90
Debt/Eq	18.49
LT Debt/Eq	16.73
Option/Short	Yes / Yes

EPS (ttm)	-0.49
EPS next Y	0.97
EPS next Q	0.13
EPS this Y	324.05%
EPS next Y	24.28%
EPS next 5Y	-
EPS past 3/5Y	- -
Sales past 3/5Y	-5.67% -2.83%
EPS Y/Y TTM	-244.62%
Sales Y/Y TTM	-17.19%
EPS Q/Q	89.90%
Sales Q/Q	-11.91%
Earnings	Nov 04 AMC
EPS/Sales Surpr.	43.92% 3.62%

Insider Own	1.78%
Insider Trans	0.00%
Inst Own	104.75%
Inst Trans	3.53%
ROA	-0.10%
ROE	-1.98%
ROIC	-0.12%
Gross Margin	92.41%
Oper. Margin	78.94%
Profit Margin	-1.64%
SMA20	0.96%
SMA50	-1.71%
SMA200	1.53%
Trades

Shs Outstand	93.78M
Shs Float	92.12M
Short Float	12.87%
Short Ratio	8.88
Short Interest	11.86M
52W High	13.48 -32.64%
52W Low	7.33 23.87%
Volatility	5.19% 3.91%
ATR (14)	0.40
RSI (14)	51.65
Beta	1.20
Rel Volume	1.00
Avg Volume	1.34M
Volume	1,333,383

Perf Week	2.48%
Perf Month	0.11%
Perf Quarter	8.22%
Perf Half Y	-1.73%
Perf YTD	-30.15%
Perf Year	-22.19%
Perf 3Y	-42.35%
Perf 5Y	-53.91%
Perf 10Y	-29.61%
Recom	3.33
Target Price	9.17
Prev Close	8.14
Price	9.08
Change %	11.55%

Consensus

Hold

Avg. Price Target

$9.17

Implied Upside

+1.0%

Analysts12incl. previous ratings

Rating Distribution1 Buy · 7 Hold · 4 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Apr 20, 2026	Resumed	BBofA Securities	Underperform	$7	-22.9%
Sep 04, 2025	Downgrade	BBofA Securities	Neutral → Underperform	$12	+32.2%
Jan 21, 2025	Upgrade	SSeaport Research Partners	Neutral → Buy	$18	+98.2%
Sep 30, 2024	Initiated	BBofA Securities	Neutral	$17	+87.2%
Apr 03, 2024	Upgrade	JJP Morgan	Underweight → Neutral	$18 → $17	+87.2%
Jan 10, 2024	Initiated	DDeutsche Bank	Hold
Jan 10, 2024	Downgrade	BBarclays	Equal Weight → Underweight	$17 → $14	+54.2%
Jan 08, 2024	Downgrade	TTD Cowen	Market Perform → Underperform	$17 → $15	+65.2%
Jan 02, 2024	Downgrade	SStephens	Equal-Weight → Underweight	$16	+76.2%
Nov 15, 2023	Initiated	BBarclays	Equal Weight	$17	+87.2%
Nov 09, 2023	Downgrade	JJefferies	Buy → Hold	$22 → $16	+76.2%
Nov 01, 2023	Initiated	TTD Cowen	Market Perform	$17	+87.2%
Dec 01, 2022	Upgrade	MMorgan Stanley	Underweight → Equal-Weight	$14 → $16	+76.2%
Oct 07, 2022	Initiated	MMorgan Stanley	Underweight	$14.50	+59.7%
Sep 09, 2022	Downgrade	BBarclays	Overweight → Equal Weight	$19 → $13	+43.2%
Apr 11, 2022	Downgrade	JJP Morgan	Neutral → Underweight	$21 → $17	+87.2%
Mar 31, 2022	Downgrade	CCompass Point	Buy → Neutral	$18	+98.2%
Jan 03, 2022	Downgrade	SStephens	Overweight → Equal-Weight	$22	+142.3%
Sep 30, 2021	Initiated	SSeaport Global Securities	Neutral
Jul 29, 2021	Downgrade	CCitigroup	Buy → Neutral	$19 → $21	+131.3%

Today 03:50PM	S&P cuts Navient outlook to negative on corporate restructuring plan (Investing.com) +11.55%
Oct-27-26 06:41PM	Navient's Peak In-School Season Tests Whether Fair-Value Shift Can Offset Legacy Credit Drag (Earnings Whispers)
Oct-21-26 04:10PM	Navient to establish new holding company structure (GlobeNewswire)
Oct-07-26 09:15AM	Navient to announce third quarter 2026 results, host earnings webcast November 4 (GlobeNewswire)
Sep-25-26 08:00AM	Navient names Diane Offereins as new board member (GlobeNewswire)
03:50PM	Loading…
Sep-18-26 03:50PM	Navient Completes $612.5 Million Securitization Backed by Private Education Loans (GlobeNewswire)
Aug-13-26 05:00PM	Navient declares third quarter common stock dividend (GlobeNewswire)
Aug-06-26 05:50PM	Navient: Q2 Earnings Snapshot (Associated Press)
04:30PM	Navient posts second quarter 2026 financial results (GlobeNewswire)
Jul-17-26 06:00AM	CFOs On the Move: Week ending July 17 (CFO.com)
Jul-02-26 09:15AM	Navient to announce second quarter 2026 results, host earnings webcast August 6 (GlobeNewswire)
May-21-26 05:00PM	Navient declares second quarter common stock dividend (GlobeNewswire)
May-19-26 09:00AM	Earnest Expands Refinancing Flexibility for Graduate Students (PR Newswire)
Apr-30-26 03:06AM	Navient Corp (NAVI) Q1 2026 Earnings Call Highlights: Strong Refinance Growth and Improved ... (GuruFocus.com)
Apr-29-26 07:02AM	Navient: Q1 Earnings Snapshot (Associated Press)
06:45AM	Loading…
06:45AM	Navient posts first quarter 2026 financial results (GlobeNewswire)
Apr-08-26 09:00AM	Navient Announces Leadership Transition with Board Chair Edward Bramson To Become Chief Executive Officer (GlobeNewswire)
Apr-03-26 09:15AM	Navient to announce first quarter 2026 results, host earnings webcast April 29 (GlobeNewswire)
Mar-02-26 11:06PM	3 Reasons to Sell NAVI and 1 Stock to Buy Instead (StockStory)
Feb-27-26 11:30AM	Why Is Navient (NAVI) Down 9% Since Last Earnings Report? (Zacks)
Feb-20-26 05:00PM	Navient declares first quarter common stock dividend (GlobeNewswire)
Feb-18-26 07:42PM	Navient student loan settlement payments are arriving. What to know. (USA TODAY)
Feb-03-26 09:00AM	A Partner's Finances Can End a Relationship: 55% of Daters Surveyed Say Debt Can be a Dealbreaker, According to New Earnest Report (PR Newswire)
03:45AM	New Strong Sell Stocks for February 3rd (Zacks)
Jan-30-26 01:20PM	CACC Up on Q4 Earnings Beat Despite Y/Y Rise in Expenses, Provisions (Zacks)
Jan-28-26 02:00PM	Navient Corp (NAVI) Q4 2025 Earnings Call Highlights: Navigating Challenges with Strategic ... (GuruFocus.com) -18.52%
01:15PM	NAVI Q4 Earnings Top on Lower Expenses, Shares Fall as NII Decline Y/Y (Zacks)
12:50PM	Why Navient (NAVI) Shares Are Plunging Today (StockStory)
11:30AM	Navient (NAVI) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates (Zacks)
07:53AM	Navient (NASDAQ:NAVI) Reports Sales Below Analyst Estimates In Q4 CY2025 Earnings (StockStory)
07:20AM	Loading…
07:20AM	Navient (NAVI) Q4 Earnings Top Estimates (Zacks)
06:45AM	Navient posts fourth quarter 2025 financial results (GlobeNewswire)
06:27AM	Navient: Q4 Earnings Snapshot (Associated Press Finance)
Jan-26-26 10:09PM	Navient Earnings: What To Look For From NAVI (StockStory)
09:22AM	Navient Gears Up for Q4 Earnings: What's in Store for the Stock? (Zacks)
Jan-23-26 10:38AM	COF Falls on Q4 Earnings Miss as Costs Rise Y/Y, Announces Brex Deal (Zacks)
Jan-22-26 05:20PM	Capital One (COF) Lags Q4 Earnings Estimates (Zacks)
Jan-21-26 10:00AM	Navient (NAVI) Earnings Expected to Grow: Should You Buy? (Zacks)
Jan-14-26 09:15AM	Navient to announce fourth quarter and year-end 2025 results, host earnings webcast Jan. 28 (GlobeNewswire)
Jan-09-26 10:47AM	Navient's Leadership Changes: How Will it Impact Future Growth? (Zacks)
Jan-08-26 04:30PM	Navient announces changes to leadership structure aligned to business strategy (GlobeNewswire)
Dec-11-25 11:02PM	3 Reasons to Avoid NAVI and 1 Stock to Buy Instead (StockStory)
Nov-28-25 11:30AM	Why Is Navient (NAVI) Up 4.1% Since Last Earnings Report? (Zacks)
Nov-26-25 02:00PM	Sports Betting a Risk For Lenders, BofA Analysts Say (Barrons.com)
Nov-20-25 02:16PM	OneMain Holdings Gains 17.8% in 6 Months: How to Play The Stock Now? (Zacks)
10:32AM	NAVI Unveils High-Growth Phase 2 Strategy, Focuses on Scaling Earnest (Zacks)
Nov-15-25 04:49AM	Implied Volatility Surging for Navient Stock Options (Zacks)
Nov-12-25 05:00PM	Navient declares fourth quarter common stock dividend (GlobeNewswire)
09:15AM	Navient to share strategy update, host webcast Nov. 19 (GlobeNewswire)
Nov-05-25 12:34AM	The 5 Most Interesting Analyst Questions From Navient's Q3 Earnings Call (StockStory)
Oct-31-25 01:24PM	CACC Q3 Earnings Beat Estimates on Higher Revenues, Lower Provisions (Zacks)
Oct-30-25 01:31AM	NAVI Q3 Deep Dive: Loan Growth and Expense Reduction Offset Credit Headwinds (StockStory)
Oct-29-25 03:45PM	Why Navient (NAVI) Shares Are Sliding Today (StockStory) -9.81%
02:14PM	Navient Q3 Earnings Beat on NII Growth & Lower Expenses, Provisions Up (Zacks)
09:30AM	Compared to Estimates, Navient (NAVI) Q3 Earnings: A Look at Key Metrics (Zacks)
08:54AM	Navient (NASDAQ:NAVI) Misses Q3 Sales Expectations (StockStory)
08:25AM	Navient (NAVI) Tops Q3 Earnings and Revenue Estimates (Zacks)
07:26AM	Navient: Q3 Earnings Snapshot (Associated Press Finance)
06:45AM	Navient posts third quarter 2025 financial results (GlobeNewswire)
Oct-27-25 11:12PM	Navient (NAVI) Q3 Earnings Report Preview: What To Look For (StockStory)
08:00AM	Navient Named Champion of Board Diversity by The Forum of Executive Women (GlobeNewswire)
Oct-24-25 10:00AM	OneMain Holdings (OMF) Reports Next Week: Wall Street Expects Earnings Growth (Zacks)
Oct-23-25 02:07PM	Navient's Q3 Earnings on the Deck: Here's What You Should Know (Zacks)
08:40AM	World Acceptance (WRLD) Reports Q2 Loss, Beats Revenue Estimates (Zacks)
Oct-22-25 10:00AM	Analysts Estimate Navient (NAVI) to Report a Decline in Earnings: What to Look Out for (Zacks)
09:14AM	COF's Q3 Earnings Top on Discover Deal, New Buyback Plan Boosts Stock (Zacks)
09:04AM	COF Up on Q3 Earnings Beat as Discover Deal Drives NII and Fee Income (Zacks)
Oct-14-25 12:02AM	3 Reasons NAVI is Risky and 1 Stock to Buy Instead (StockStory)
Oct-08-25 09:15AM	Navient to announce third quarter 2025 results, host earnings webcast Oct. 29 (GlobeNewswire)
Sep-30-25 11:32PM	Q2 Earnings Outperformers: Navient (NASDAQ:NAVI) And The Rest Of The Consumer Finance Stocks (StockStory)
08:00AM	Navient Named One of the 2025 Best Places to Work for Working Daughters (GlobeNewswire)
Sep-24-25 12:02AM	Navient (NAVI): Buy, Sell, or Hold Post Q1 Earnings? (StockStory)
Sep-17-25 11:33PM	Spotting Winners: Navient (NASDAQ:NAVI) And Consumer Finance Stocks In Q1 (StockStory)
Sep-04-25 12:16PM	Why Navient (NAVI) Stock Is Down Today (StockStory)
Aug-29-25 11:30AM	Navient (NAVI) Up 5.6% Since Last Earnings Report: Can It Continue? (Zacks)
Aug-21-25 12:01AM	Navient (NAVI): Buy, Sell, or Hold Post Q1 Earnings? (StockStory)
Aug-19-25 02:12PM	Navient plans to lay off up to 128 workers out of its Fishers corporate office (IndyStar \| The Indianapolis Star)
Aug-14-25 05:00PM	Navient declares third quarter common stock dividend (GlobeNewswire)
Aug-01-25 08:02AM	CACC's Q2 Earnings Lag on High Costs, Finance Charges Provide Support (Zacks)
Jul-30-25 01:04PM	Navient Q2 Earnings Miss on Lower NII & Higher Provisions, Stock Down (Zacks) -8.05%
09:30AM	Navient (NAVI) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
08:10AM	Navient (NAVI) Q2 Earnings and Revenues Miss Estimates (Zacks)
07:08AM	Navient: Q2 Earnings Snapshot (Associated Press Finance)
06:45AM	Navient posts second quarter 2025 financial results (GlobeNewswire)
Jul-28-25 10:28AM	Navient's Q2 Earnings in the Cards: Here's What to Expect (Zacks)
Jul-23-25 09:07AM	Discover Deal Boosts COF's Q2 Earnings, Consumer Spending in Focus (Zacks)
08:17AM	COF Up on Q2 Earnings Beat, Discover Deal Boosts NII and Fee Income (Zacks)
Jul-22-25 07:36AM	ALLY Q2 Earnings Top on Higher Net Finance Revenues & Lower Provision (Revised) (Zacks)
Jul-21-25 02:25PM	Ally Financial Q2 Earnings Miss on Lower Loans & Deposits (Zacks)
Jul-16-25 10:00AM	Earnings Preview: Navient (NAVI) Q2 Earnings Expected to Decline (Zacks)
09:15AM	Navient to announce second quarter 2025 results, host earnings webcast July 30 (GlobeNewswire)
Jul-10-25 12:36PM	Financial Services Roundup: Market Talk (The Wall Street Journal)
Jul-07-25 08:45AM	OneMain Holdings Hits 52-Week High: Should You Buy the Stock Now? (Zacks) +5.06%
Jul-01-25 09:41AM	Capital One Hits 52-Week High: Should You Buy the Stock Now? (Zacks)
Jun-30-25 11:07AM	Do Options Traders Know Something About Navient Stock We Don't? (Zacks)
Jun-05-25 05:00PM	Navient holds 2025 annual shareholder meeting, appoints Edward Bramson as board chair (GlobeNewswire)
Jun-03-25 01:25PM	SoFi's Student Loan Refinance Set to Rebound Amid Policy Shifts (Zacks)
May-14-25 11:51AM	Citigroup to Divest Its Wealth Alternatives Unit to iCapital (Zacks)
May-08-25 05:00PM	Navient declares second quarter common stock dividend (GlobeNewswire)
May-01-25 07:05AM	CACC's Q1 Earnings Miss, Stock Gains 2.6% on Higher Finance Charges (Zacks)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	SEC Form 4
Fisher Joe	Former Officer	Apr 16 '26	Proposed Sale	8.47	23,146	196,066	Apr 16 02:30 PM
Fisher Joe	Former Officer	Apr 14 '26	Proposed Sale	8.19	30,982	253,638	Apr 14 04:09 PM
Fisher Joe	Former Officer	Apr 13 '26	Proposed Sale	8.03	30,000	240,962	Apr 13 02:26 PM
Fisher Joe	Former Officer	Mar 12 '26	Proposed Sale	8.02	20,000	160,421	Mar 12 04:55 PM

Navient Corp. engages in the provision of asset management and business processing solutions for education, healthcare and government clients at the federal, state and local levels. It operates through the following segments: Federal Education Loans, Consumer Lending, Business Processing, and Other. The Federal Education Loans segment owns FFELP Loans and performs servicing and asset recovery services on FFELP Loan portfolio. The Consumer Lending segment owns, originates, acquires and services high-quality private education loans. The Business Processing segment engages in the provision of government and healthcare services. The Other segment consists of corporate liquidity portfolio, gains and losses incurred on the repurchase of debt, unallocated expenses of shared services and restructuring/other reorganization expenses. The company was founded in 1973 and is headquartered in Herndon, VA.

CEOMr. Edward John Bramson

Executive VPMr. Stephen M. Hauber

COO & Executive VPMr. Troy Standish

Senior VPMr. Roger Yankoupe

Senior VP & General CounselMr. Matthew R. Sheldon

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NAVI

Navient Holdings Inc

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