Navient Corp

NAVI · NASDAQ · Financial Services / Credit Services

6.23USD+0.09 (+1.47%)

Price History

Full chart

Market Stats

Previous Close6.14

Open6.28

Day Range5.93 – 6.29

52-Week Range7.06 – 12.74

Volume2.03M

Market Cap855.31M

P/E (TTM)0.00

Forward P/E9.17

EPS-0.48

Dividend Yield7.02%

Beta1.20

50-Day Avg9.14

200-Day Avg9.42

About

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.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOMr. Edward John Bramson
Employees670
Headquarters13865 Sunrise Valley Drive, Herndon, VA, United States, 20171, USA
Websitehttps://www.navient.com

Leadership

Mr. Edward John BramsonCEO, President & Chairman of the Board · b. 1951
Mr. Stephen M. HauberExecutive VP, Principal Accounting Officer & CFO · b. 1975
Mr. Troy StandishCOO & Executive VP · b. 1975
Mr. Roger YankoupeSenior VP, Treasurer & Head of Investor Relations
Mr. Matthew R. SheldonSenior VP & General Counsel · b. 1970
Paul HartwickVice President of Corporate Communications
Ms. Shanee Ben-ZurChief Marketing Officer of Earnest
Ms. Judah HollandSenior VP & Chief Transition Officer
Ms. Deanna ColoeVP & Chief Audit Officer
Mr. Robert A. CrawfordSenior VP & Controller · b. 1963

Financials

Income Statement

Currency: USD	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: USD	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	4.17B	3.52B	3.23B	4.12B	5.40B	6.52B	8.75B	9.17B	7.69B	5.61B	6.46B	5.72B	3.31B	6.22B	5.64B	5.18B	4.96B	5.18B	5.59B	5.48B	3.73B	2.21B	1.74B	4.84B	4.23B	3.23B
Growth (%)	-	-15.63%	-8.04%	+27.40%	+31.21%	+20.62%	+34.27%	+4.80%	-16.16%	-27.06%	+15.17%	-11.46%	-42.18%	+88.12%	-9.39%	-8.18%	-4.10%	+4.39%	+7.89%	-1.91%	-31.91%	-40.79%	-21.44%	+178.41%	-12.45%	-23.74%
Cost of Revenue	564.83M	773.64M	806.40M	946.35M	1.07B	1.27B	1.54B	2.41B	2.03B	2.34B	2.67B	2.39B	2.12B	3.05B	2.71B	2.65B	2.87B	3.40B	4.04B	3.75B	2.20B	1.21B	444.00M	3.68B	3.39B	421.00M
Gross Profit	3.60B	3.21B	2.63B	3.41B	3.30B	5.01B	7.55B	8.13B	6.10B	3.85B	4.20B	4.29B	3.31B	3.17B	2.93B	2.52B	2.09B	1.78B	1.55B	1.74B	1.53B	1.00B	1.74B	1.16B	848.00M	2.81B
Gross Margin	86.44%	91.37%	81.36%	82.80%	61.08%	76.80%	86.25%	88.61%	79.33%	68.70%	65.06%	74.96%	100.00%	50.99%	51.92%	48.71%	42.18%	34.45%	27.78%	31.69%	41.06%	45.41%	100.00%	23.90%	20.03%	86.96%
Operating Expense	0	0	0	0	0	61.00M	69.00M	67.00M	0	0	0	0	-691.00M	1.08B	1.11B	941.00M	986.00M	1.02B	1.02B	975.00M	1.00B	68.00M	-1.19B	843.00M	674.00M	317.00M
Operating Income	3.60B	3.21B	2.63B	3.41B	3.30B	4.94B	7.48B	8.06B	6.10B	3.85B	4.20B	4.29B	4.00B	2.09B	1.82B	1.58B	1.11B	764.00M	528.00M	763.00M	532.00M	936.00M	2.93B	313.00M	174.00M	2.49B
Operating Margin	86.44%	91.37%	81.36%	82.80%	61.08%	75.87%	85.46%	87.88%	79.33%	68.70%	65.06%	74.96%	120.90%	33.55%	32.25%	30.53%	22.32%	14.74%	9.44%	13.91%	14.25%	42.33%	168.62%	6.47%	4.11%	77.14%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	4.00B	2.10B	1.83B	1.59B	1.14B	787.00M	559.00M	788.00M	553.00M	966.00M	2.95B	313.00M	174.00M	2.47B
EBITDA Margin	-	-	-	-	-	-	-	-	-	-	-	-	120.90%	33.76%	32.41%	30.76%	22.90%	15.19%	10.00%	14.37%	14.81%	43.69%	169.72%	6.47%	4.11%	76.62%
Net Income	465.02M	384.00M	792.00M	1.53B	1.91B	1.38B	1.16B	-	-	324.14M	530.38M	633.00M	939.00M	1.42B	1.14B	984.00M	681.00M	292.00M	395.00M	597.00M	412.00M	717.00M	645.00M	228.00M	131.00M	-80.00M
Net Income Margin	11.16%	10.92%	24.50%	37.24%	35.41%	21.21%	13.22%	-	-	5.78%	8.21%	11.07%	28.39%	22.79%	20.17%	19.01%	13.72%	5.63%	7.06%	10.89%	11.03%	32.43%	37.13%	4.71%	3.09%	-2.48%
R&D	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0.22	0.15	0.09	0.14	0.14	0.27	0.22	0.06	-	-
R&D as % of Total Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Interest Expense	0	0	0	0	0	0	0	0	0	0	0	0	2.56B	2.21B	2.06B	2.07B	2.44B	2.97B	3.67B	3.49B	2.05B	1.32B	2.10B	3.56B	3.27B	2.58B
Interest Expense % of Total Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	77.44%	35.52%	36.60%	40.07%	49.17%	57.33%	65.61%	63.60%	54.79%	59.52%	121.01%	73.55%	77.30%	79.96%

Balance Sheet

Currency: USD	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: USD	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	48.79B	52.87B	53.18B	64.61B	84.09B	99.34B	116.14B	155.56B	168.77B	169.99B	205.31B	193.34B	181.26B	159.54B	146.35B	134.05B	121.14B	114.99B	104.18B	94.90B	87.41B	80.61B	70.80B	61.38B	51.79B	48.68B
Total Liabilities	47.16B	51.20B	51.18B	61.98B	80.92B	95.54B	111.77B	150.33B	163.76B	164.71B	200.30B	188.09B	176.19B	153.90B	142.15B	130.11B	117.41B	111.51B	100.63B	91.55B	84.97B	78.00B	67.82B	58.62B	49.15B	46.28B
Total Equity	1.63B	1.67B	2.00B	2.63B	3.17B	3.80B	4.37B	5.23B	5.01B	5.28B	5.01B	5.25B	5.06B	5.64B	4.20B	3.91B	3.70B	3.45B	3.52B	3.34B	2.45B	2.60B	2.98B	2.76B	2.64B	2.40B
Cash	734.47M	715.00M	758.30M	2.73B	5.17B	5.80B	6.04B	7.58B	4.07B	6.07B	4.34B	2.79B	8.91B	5.19B	1.44B	1.59B	1.25B	1.52B	1.29B	1.23B	1.18B	905.00M	1.53B	839.00M	722.00M	2.10B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	172.26B	148.36B	138.56B	127.51B	115.45B	109.77B	99.29B	90.23B	83.94B	76.72B	67.40B	57.91B	48.66B	45.71B
Net Debt	-	-	-	-	-	-	-	-	-	-	-	-	163.35B	143.17B	137.12B	125.91B	114.20B	108.25B	98.01B	89.00B	82.76B	75.82B	65.86B	57.08B	47.94B	43.60B

Cash Flow

Currency: USD	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: USD	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	744.65M	839.39M	762.64M	674.45M	-	-	808.42M	-	-	-	-	3.08B	2.64B	2.00B	1.66B	1.91B	1.36B	1.16B	1.14B	1.02B	987.00M	702.00M	305.00M	676.00M	459.00M	441.00M
Investing Cash Flow	851.82M	-	-	-	-	-	-	-	-	311.05M	7.41B	9.47B	11.85B	9.21B	-1.65B	10.69B	11.41B	7.50B	10.36B	7.49B	6.45B	6.67B	10.59B	7.36B	8.47B	2.71B
Financing Cash Flow	-	2.30B	-	7.65B	10.64B	15.47B	13.78B	36.27B	12.85B	17.60B	-	-	-13.38B	-9.92B	-3.76B	-12.45B	-13.11B	-8.39B	-10.88B	-9.98B	-7.68B	-7.33B	-9.66B	-10.05B	-9.62B	-3.15B
Capital Expenditure	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	10.77B	0	7.28B	0	0	0	0	0	0	0	0
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	-	-	2.64B	2.00B	1.66B	12.68B	1.36B	8.44B	1.14B	1.02B	987.00M	702.00M	305.00M	676.00M	459.00M	441.00M
Dividends Paid	116.15M	126.41M	142.26M	278.38M	332.81M	376.90M	433.33M	139.16M	110.56M	115.78M	71.85M	172.00M	257.00M	284.00M	255.00M	240.00M	201.00M	176.00M	166.00M	147.00M	123.00M	107.00M	91.00M	78.00M	70.00M	63.00M
FCF to OCF	-	-	-	-	-	-	-	-	-	-	-	-	100.00%	100.00%	100.00%	663.66%	100.00%	729.39%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Dividend Paid to FCF	-	-	-	-	-	-	-	-	-	-	-	-	9.75%	14.20%	15.32%	1.89%	14.81%	2.09%	14.56%	14.43%	12.46%	15.24%	29.84%	11.54%	15.25%	14.29%

Earnings

Report Date	May 28, 2014	Jul 16, 2014	Oct 15, 2014	Jan 21, 2015	Apr 21, 2015	Aug 3, 2015	Oct 20, 2015	Jan 26, 2016	Apr 19, 2016	Jul 19, 2016	Oct 18, 2016	Jan 24, 2017	Apr 18, 2017	Jul 18, 2017	Oct 17, 2017	Jan 23, 2018	Apr 24, 2018	Jul 24, 2018	Oct 23, 2018	Jan 22, 2019	Apr 23, 2019	Jul 23, 2019	Oct 22, 2019	Jan 21, 2020	Apr 21, 2020	Jul 21, 2020	Oct 20, 2020	Jan 26, 2021	Apr 27, 2021	Jul 27, 2021	Oct 26, 2021	Jan 25, 2022	Apr 26, 2022	Jul 26, 2022	Oct 25, 2022	Jan 24, 2023	Apr 26, 2023	Jul 26, 2023	Oct 25, 2023	Jan 31, 2024	Apr 24, 2024	Jul 24, 2024	Oct 30, 2024	Jan 29, 2025	Apr 30, 2025	Jul 30, 2025	Oct 29, 2025	Jan 28, 2026	Apr 29, 2026	Aug 6, 2026	Nov 4, 2026
EPS Estimate	-	0.54	0.51	0.54	0.50	0.40	0.47	0.49	0.41	0.44	0.48	0.44	0.42	0.41	0.50	0.42	0.42	0.47	0.49	0.47	0.45	0.53	0.57	0.58	0.45	0.42	0.79	0.83	0.77	0.85	0.82	0.87	0.75	0.78	0.79	0.83	0.82	0.76	0.74	0.75	0.59	0.43	0.25	0.22	0.21	0.27	0.18	0.31	0.16	0.19	0.12
EPS Actual	0.49	0.56	0.52	0.53	0.48	0.40	0.47	0.48	0.43	0.47	0.50	0.43	0.36	0.43	0.55	0.43	0.40	0.49	0.53	0.58	0.58	0.74	0.62	0.67	0.51	0.91	1.03	0.97	1.71	0.98	0.92	-0.43	0.90	0.92	0.62	0.85	1.06	0.70	0.47	0.21	0.47	0.29	1.45	-0.24	-0.66	0.20	-0.84	0.02	0.20	0.29	-
Surprise	-	3.70%	1.96%	-1.85%	-4.00%	0.00%	0.00%	-2.04%	4.88%	6.82%	4.17%	-2.27%	-14.29%	4.88%	10.00%	2.38%	-4.76%	4.26%	8.16%	23.40%	28.89%	39.62%	8.77%	15.52%	13.33%	116.67%	30.38%	16.87%	122.08%	15.29%	12.20%	-149.43%	20.00%	17.95%	-21.52%	2.41%	29.27%	-7.89%	-36.49%	-72.00%	-20.34%	-32.56%	480.00%	-209.09%	-414.29%	-25.93%	-566.67%	-93.55%	25.00%	52.63%	-
Timing	-	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	-

Key Statistics & Ratios

Market Cap855.31M

Enterprise Value44.49B

Trailing P/E0.00

Forward P/E9.17

PEG Ratio0.14

Price / Sales2.56

Price / Book0.36

EPS-0.48

Book Value25.57

Revenue (TTM)334.00M

Gross Profit (TTM)334.00M

Profit Margin-14.67%

Operating Margin33.87%

Return on Equity-1.98%

Return on Assets-0.10%

Shares Outstanding93.78M

Shares Float62.89M

Beta1.20

Dividend Yield7.02%

Dividend Rate0.64

Payout Ratio200.00%

Analyst Ratings

Hold

Based on 10 analystsTarget 9.07

Strong Buy
1
Hold
7
Sell
1
Strong Sell
1

Ownership Breakdown

Institutions: 107.72%
Insiders: 2.29%
Retail / Other: 0.00%

Top Institutional Holders

Sherborne Investors Management LP
29.45M31.40%
BlackRock Inc
12.72M13.56%
Dimensional Fund Advisors, Inc.
5.31M5.66%
Vanguard Portfolio Management, LLC
3.68M3.92%
Vanguard Capital Management, LLC
2.89M3.08%
State Street Corp
2.60M2.78%
Charles Schwab Investment Management Inc
2.19M2.33%
American Century Companies Inc
2.03M2.16%
Wellington Management Company LLP
1.94M2.07%
Geode Capital Management, LLC
1.74M1.85%
Gator Capital Management, LLC
1.59M1.70%
Jupiter Asset Management Limited
1.48M1.58%
Hotchkis & Wiley Capital Management LLC
1.41M1.50%
Allianz Asset Management AG
1.32M1.41%
Morgan Stanley - Brokerage Accounts
1.31M1.39%

Top Fund Holders

iShares Core S&P Small-Cap ETF
3.94M4.20%
Vanguard MStar Total Stk Mkt Idx Invest
1.94M2.07%
DFA US Small Cap Value I
1.87M1.99%
Avantis US Small Cap Value ETF
1.70M1.81%
iShares Russell 2000 ETF
1.65M1.76%

Dividends

20263×

0.16Sep 4, 20260.16Jun 5, 20260.16Mar 6, 2026

20254×

0.16Dec 5, 20250.16Sep 5, 20250.16Jun 6, 20250.16Mar 7, 2025

20244×

0.16Dec 6, 20240.16Sep 6, 20240.16Jun 7, 20240.16Feb 29, 2024

20234×

0.16Nov 30, 20230.16Aug 31, 20230.16Jun 1, 20230.16Mar 2, 2023

20224×

0.16Dec 1, 20220.16Sep 1, 20220.16Jun 2, 20220.16Mar 3, 2022

20214×

0.16Dec 2, 20210.16Sep 2, 20210.16Jun 3, 20210.16Mar 4, 2021

20201×

0.16Dec 3, 2020