Navient Declares $0.16 Quarterly Dividend with 6.83% Yield
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1 hour ago
0mins
Should l Buy NAVI?
Source: seekingalpha
- Dividend Declaration: Navient has declared a quarterly dividend of $0.16 per share, consistent with previous distributions, indicating the company's ongoing ability to maintain stable cash flow, which is likely to attract income-seeking investors.
- Yield Competitiveness: The forward yield of 6.83% is competitive in the current market environment, potentially increasing investor interest in the stock and enhancing its price performance.
- Payment Schedule: The dividend is payable on March 20, with a record date of March 6 and an ex-dividend date also on March 6, providing investors with a clear timeline for their investment decisions.
- Growth Target: Navient aims for a 60% increase in loan origination to $4 billion by 2026, and this strategic realignment alongside expense reductions is expected to bolster the company's long-term profitability.
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Analyst Views on NAVI
Wall Street analysts forecast NAVI stock price to rise
7 Analyst Rating
1 Buy
3 Hold
3 Sell
Moderate Sell
Current: 9.500
Low
11.00
Averages
13.00
High
18.00
Current: 9.500
Low
11.00
Averages
13.00
High
18.00
About NAVI
Navient Corporation provides technology-enabled education finance solutions. The Company's businesses include Federal Education Loans and Consumer Lending. The Company's Federal Education Loans business includes owning and managing Federal Family Education Loan Program (FFELP) Loans and is the master servicer on this portfolio. Its Consumer Lending business includes owning and managing Private Education Loans and is the master servicer for these portfolios. The Company, through its Earnest brand, also refinances and originates in-school Private Education Loans. The Company helps students and families on the planning and paying for college journey. Its digital tools empower people to find scholarships and compare financial aid offers.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Navient Declares $0.16 Quarterly Dividend with 6.83% Yield
- Dividend Declaration: Navient has declared a quarterly dividend of $0.16 per share, consistent with previous distributions, indicating the company's ongoing ability to maintain stable cash flow, which is likely to attract income-seeking investors.
- Yield Competitiveness: The forward yield of 6.83% is competitive in the current market environment, potentially increasing investor interest in the stock and enhancing its price performance.
- Payment Schedule: The dividend is payable on March 20, with a record date of March 6 and an ex-dividend date also on March 6, providing investors with a clear timeline for their investment decisions.
- Growth Target: Navient aims for a 60% increase in loan origination to $4 billion by 2026, and this strategic realignment alongside expense reductions is expected to bolster the company's long-term profitability.
See More
Navient Declares Q1 2026 Dividend of $0.16 per Share
- Dividend Declaration: Navient's board has approved a Q1 2026 dividend of $0.16 per share, reflecting the company's commitment to shareholder returns and likely boosting investor confidence in its financial stability.
- Payment Schedule: The dividend will be paid on March 20, 2026, to shareholders of record as of March 6, 2026, ensuring timely benefits for eligible shareholders and reinforcing the company's relationship with its investors.
- Company Overview: Navient focuses on helping students and families manage the costs of higher education, creating long-term value through responsible lending and flexible refinancing, showcasing its expertise and market position in educational finance.
- Employee Culture: Navient emphasizes employee growth within a culture of belonging, committed to delivering meaningful outcomes, reflecting the company's focus on employee satisfaction and corporate social responsibility.
See More
Student Loan Delinquency Rate Surges to 25%
- Delinquency Rate Surge: Research from The Century Foundation reveals that nearly 25% of student loan borrowers were delinquent in the first three quarters of 2025, a significant increase from 9% in 2019, indicating the adverse impact of Trump administration policies on borrowers' repayment capabilities.
- Rising Borrower Numbers: Approximately 7.9 million student loan borrowers entered delinquency in the first three quarters of 2025, which not only affects their credit scores but also hinders their ability to achieve life milestones such as home and car ownership.
- Credit Score Decline: The study estimates that around 2 million delinquent borrowers have seen their credit scores drop to an average of 580 from 680, significantly below the acceptable range, which will directly impact their future borrowing ability and costs.
- Severe Issues in Southern States: The analysis indicates that states like Louisiana and Mississippi have delinquency rates nearing 40%, with over 48% of Black borrowers being delinquent, highlighting significant racial disparities in repayment capabilities that could exacerbate socioeconomic inequalities.
See More
Trump Administration Increases Pressure on Student Loan Repayment
- Loan Default Risk: The U.S. Department of Education warns that over 1,800 higher education institutions have student loan default rates exceeding 25%, which could jeopardize their eligibility for federal student aid programs, thereby impacting their financial stability and enrollment appeal.
- Policy Implementation Requirements: The Education Department mandates that colleges prioritize reducing student delinquency rates not only through financial aid offices but also at the institutional leadership level, prompting schools to adopt more proactive measures in student loan management.
- Borrower Dilemma Intensifies: Last year, approximately 10 million borrowers were nearing default, with the Education Department revealing that over 600,000 federal student loan holders face a backlog in applications for affordable repayment plans, highlighting delays in policy execution and the pressures on borrowers.
- Household Financial Impact: Research indicates that a median U.S. household of four earning $81,000 could see its monthly bills surge from $36 to $440 due to legislative changes, reflecting the potential negative economic impact of these policy shifts on family finances.
See More
New Regulations Impacting Parent PLUS Loan Repayment Plans
- Repayment Plan Changes: Starting July 1, under Trump's 'One Big Beautiful Bill,' Parent PLUS borrowers will only have the new Standard Repayment Plan, which extends repayment terms and increases interest costs, potentially jeopardizing their financial stability.
- Loan Limit Restrictions: The new regulations impose an annual borrowing limit of $20,000 and a lifetime cap of $65,000 for Parent PLUS loans, which will restrict parents' ability to finance their children's education and may exacerbate educational debt burdens.
- Need for Loan Consolidation: Borrowers must apply for Direct Consolidation Loans by March 31 to maintain access to Income-Driven Repayment plans; failing to consolidate in time could result in losing loan forgiveness options and increasing financial strain.
- Importance of Future Planning: Parent borrowers need to plan ahead, as taking out new Parent PLUS loans after July 1, 2026, will forfeit access to Income-Driven Repayment plans, forcing them into the new Standard Repayment Plan, which could adversely affect their long-term financial health.
See More
Record Student Loan Complaints Reported, CFPB Omits Key Details
- Surge in Complaints: The CFPB report indicates that federal student loan complaints reached 18,400 for the year ending June 30, 2025, marking a 36% increase from the previous year and highlighting the growing challenges borrowers face, which could undermine trust in government student loan policies.
- Missing Report Details: Although the CFPB published a 21-page report, it omitted critical information regarding the nature of borrower complaints and the loan servicers involved, potentially leading to a lack of public understanding of student loan issues and affecting policy transparency and effectiveness.
- Borrower Hardships Intensify: Approximately 9 million individuals are currently in default on their education debt, with over 800,000 borrowers awaiting decisions on applications for affordable repayment plans, indicating significant pressure and uncertainty for borrowers under the Trump administration.
- Lack of Policy Recommendations: The CFPB's report fails to include recommendations for student loan cancellation and solutions, with experts noting that this omission could hinder defaulting borrowers from receiving necessary assistance, exacerbating the crisis in the student loan market.
See More
Navient Declares $0.16 Quarterly Dividend with 6.83% Yield
- Dividend Declaration: Navient has declared a quarterly dividend of $0.16 per share, consistent with previous distributions, indicating the company's ongoing ability to maintain stable cash flow, which is likely to attract income-seeking investors.
- Yield Competitiveness: The forward yield of 6.83% is competitive in the current market environment, potentially increasing investor interest in the stock and enhancing its price performance.
- Payment Schedule: The dividend is payable on March 20, with a record date of March 6 and an ex-dividend date also on March 6, providing investors with a clear timeline for their investment decisions.
- Growth Target: Navient aims for a 60% increase in loan origination to $4 billion by 2026, and this strategic realignment alongside expense reductions is expected to bolster the company's long-term profitability.
See More
Navient Declares Q1 2026 Dividend of $0.16 per Share
- Dividend Declaration: Navient's board has approved a Q1 2026 dividend of $0.16 per share, reflecting the company's commitment to shareholder returns and likely boosting investor confidence in its financial stability.
- Payment Schedule: The dividend will be paid on March 20, 2026, to shareholders of record as of March 6, 2026, ensuring timely benefits for eligible shareholders and reinforcing the company's relationship with its investors.
- Company Overview: Navient focuses on helping students and families manage the costs of higher education, creating long-term value through responsible lending and flexible refinancing, showcasing its expertise and market position in educational finance.
- Employee Culture: Navient emphasizes employee growth within a culture of belonging, committed to delivering meaningful outcomes, reflecting the company's focus on employee satisfaction and corporate social responsibility.
See More
Student Loan Delinquency Rate Surges to 25%
- Delinquency Rate Surge: Research from The Century Foundation reveals that nearly 25% of student loan borrowers were delinquent in the first three quarters of 2025, a significant increase from 9% in 2019, indicating the adverse impact of Trump administration policies on borrowers' repayment capabilities.
- Rising Borrower Numbers: Approximately 7.9 million student loan borrowers entered delinquency in the first three quarters of 2025, which not only affects their credit scores but also hinders their ability to achieve life milestones such as home and car ownership.
- Credit Score Decline: The study estimates that around 2 million delinquent borrowers have seen their credit scores drop to an average of 580 from 680, significantly below the acceptable range, which will directly impact their future borrowing ability and costs.
- Severe Issues in Southern States: The analysis indicates that states like Louisiana and Mississippi have delinquency rates nearing 40%, with over 48% of Black borrowers being delinquent, highlighting significant racial disparities in repayment capabilities that could exacerbate socioeconomic inequalities.
See More
Trump Administration Increases Pressure on Student Loan Repayment
- Loan Default Risk: The U.S. Department of Education warns that over 1,800 higher education institutions have student loan default rates exceeding 25%, which could jeopardize their eligibility for federal student aid programs, thereby impacting their financial stability and enrollment appeal.
- Policy Implementation Requirements: The Education Department mandates that colleges prioritize reducing student delinquency rates not only through financial aid offices but also at the institutional leadership level, prompting schools to adopt more proactive measures in student loan management.
- Borrower Dilemma Intensifies: Last year, approximately 10 million borrowers were nearing default, with the Education Department revealing that over 600,000 federal student loan holders face a backlog in applications for affordable repayment plans, highlighting delays in policy execution and the pressures on borrowers.
- Household Financial Impact: Research indicates that a median U.S. household of four earning $81,000 could see its monthly bills surge from $36 to $440 due to legislative changes, reflecting the potential negative economic impact of these policy shifts on family finances.
See More
New Regulations Impacting Parent PLUS Loan Repayment Plans
- Repayment Plan Changes: Starting July 1, under Trump's 'One Big Beautiful Bill,' Parent PLUS borrowers will only have the new Standard Repayment Plan, which extends repayment terms and increases interest costs, potentially jeopardizing their financial stability.
- Loan Limit Restrictions: The new regulations impose an annual borrowing limit of $20,000 and a lifetime cap of $65,000 for Parent PLUS loans, which will restrict parents' ability to finance their children's education and may exacerbate educational debt burdens.
- Need for Loan Consolidation: Borrowers must apply for Direct Consolidation Loans by March 31 to maintain access to Income-Driven Repayment plans; failing to consolidate in time could result in losing loan forgiveness options and increasing financial strain.
- Importance of Future Planning: Parent borrowers need to plan ahead, as taking out new Parent PLUS loans after July 1, 2026, will forfeit access to Income-Driven Repayment plans, forcing them into the new Standard Repayment Plan, which could adversely affect their long-term financial health.
See More
Record Student Loan Complaints Reported, CFPB Omits Key Details
- Surge in Complaints: The CFPB report indicates that federal student loan complaints reached 18,400 for the year ending June 30, 2025, marking a 36% increase from the previous year and highlighting the growing challenges borrowers face, which could undermine trust in government student loan policies.
- Missing Report Details: Although the CFPB published a 21-page report, it omitted critical information regarding the nature of borrower complaints and the loan servicers involved, potentially leading to a lack of public understanding of student loan issues and affecting policy transparency and effectiveness.
- Borrower Hardships Intensify: Approximately 9 million individuals are currently in default on their education debt, with over 800,000 borrowers awaiting decisions on applications for affordable repayment plans, indicating significant pressure and uncertainty for borrowers under the Trump administration.
- Lack of Policy Recommendations: The CFPB's report fails to include recommendations for student loan cancellation and solutions, with experts noting that this omission could hinder defaulting borrowers from receiving necessary assistance, exacerbating the crisis in the student loan market.
See More
