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Navient Corp

NAVI

13.090USD

+0.220+1.71%

Close 09/15, 16:00（ET）Quotes delayed by 15 min

1.31BMarket Cap

38.50P/E TTM



Navient Corp

13.090

+0.220+1.71%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated：2025-09-15

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Hold. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

114 / 400

Overall Ranking

220 / 4724

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 9 analysts

Hold

Current Rating

14.000

Target Price

+8.78%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

Navient Corporation provides technology-enabled education finance and business processing solutions. The Company operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. In the Federal Education Loans segment, it owns and manages Federal Family Education Loan Program (FFELP) loans and is the master servicer on this portfolio. It also services FFELP loans owned by other institutions. In the Consumer Lending Segment, it owns and manages private education loans and is the master servicer for these portfolios. Through its Earnest brand, it also refinances and originates in-school private education loans. In the Business Processing Segment, it provides business processing solutions, such as omnichannel contact center services and workflow processing. It offers its solutions to federal agencies, state governments, tolling and parking authorities, and other public sector clients.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 53.44%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 53.44%.

Undervalued

The company’s latest PB is 0.51, at a low 3-year percentile range.

Institutional Selling

The latest institutional holdings are 106.77M shares, decreasing 8.86% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 8.18M shares of this stock.

Financial Health

Currency: USD Updated：2025-09-15

The company's current financial score is 7.10, which is lower than the Banking Services industry's average of 7.33. Its financial status is stable, and its operating efficiency is average. Its latest quarterly revenue reached 813.00M, representing a year-over-year decrease of 29.49%, while its net profit experienced a year-over-year decrease of 102.74%.

Score

Industry at a Glance

Previous score

7.10

Change

0.25



Financials

4.82

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

7.05

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

5.95

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

8.90

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated：2025-09-15

The company’s current valuation score is 5.60, which is higher than the Banking Services industry's average of 4.39. Its current P/E ratio is 40.26, which is -72.27% below the recent high of 11.17 and 85.71% above the recent low of 5.76.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 114/400

No Data

Earnings Forecast

Currency: USD Updated：2025-09-15

The company’s current earnings forecast score is 5.78, which is lower than the Banking Services industry's average of 7.34. The average price target for Navient Corp is 14.00, with a high of 18.00 and a low of 10.00.

Score

Industry at a Glance

Previous score

5.56

Change

Support & Resistance

No Data

Analyst Rating

Based on 9 analysts

Hold

Current Rating

14.000

Target Price

+8.78%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

Total

Median

Average

Company name

Ratings

Analysts

Navient Corp

NAVI

American Express Co

AXP

Capital One Financial Corp

COF

SoFi Technologies Inc

SOFI

Synchrony Financial

SYF

Ally Financial Inc

ALLY

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated：2025-09-15

The company’s current price momentum score is 9.15, which is higher than the Banking Services industry's average of 8.78. Sideways: Currently, the stock price is trading between the resistance level at 14.21 and the support level at 12.59, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.28

Change

0.36

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(4)

Neutral(2)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

-0.108

Sell

RSI(14)

44.339

Neutral

STOCH(KDJ)(9,3,3)

21.625

Neutral

ATR(14)

0.369

High Vlolatility

CCI(14)

-122.416

Sell

Williams %R

73.239

Sell

TRIX(12,20)

0.045

Sell

StochRSI(14)

53.131

Buy

Moving Average

Sell(6)

Neutral(0)

Buy(0)

Indicators

Value

Direction

MA5

13.116

Sell

MA10

13.406

Sell

MA20

13.388

Sell

MA50

13.624

Sell

MA100

13.506

Sell

MA200

13.529

Sell

Institutional Confidence

Currency: USD Updated：2025-09-15

The company’s current institutional recognition score is 10.00, which is higher than the Banking Services industry's average of 6.35. The latest institutional shareholding proportion is 106.76%, representing a quarter-over-quarter increase of 0.27%. The largest institutional shareholder is The Vanguard, holding a total of 8.18M shares, representing 8.18% of shares outstanding, with 7.01% decrease in holdings.

Score

Industry at a Glance

Previous score

10.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Sherborne Investors Management LP

29.45M

BlackRock Institutional Trust Company, N.A.

11.78M

-4.97%

Dimensional Fund Advisors, L.P.

8.82M

-2.50%

The Vanguard Group, Inc.

Star Investors

8.80M

-2.96%

LSV Asset Management

3.92M

-12.00%

State Street Global Advisors (US)

3.83M

+11.21%

Orbis Investment Management Ltd.

2.31M

+29.65%

American Century Investment Management, Inc.

1.95M

+7.26%

Geode Capital Management, L.L.C.

1.85M

-0.20%

Charles Schwab Investment Management, Inc.

1.44M

+32.59%

Risk Assessment

Currency: USD Updated：2025-09-15

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The company’s current risk assessment score is 4.98, which is lower than the Banking Services industry's average of 5.16. The company's beta value is 1.37. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.