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NAVI logo

NAVI Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
8.260
Open
8.110
VWAP
8.16
Vol
1.21M
Mkt Cap
777.83M
Low
8.030
Amount
9.89M
EV/EBITDA(TTM)
--
Total Shares
95.09M
EV
45.84B
EV/OCF(TTM)
103.94
P/S(TTM)
0.26
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.
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Events Timeline

(ET)
2026-01-28
06:30:00
Navient Announces Over $400M Annual Expense Reduction
select
2026-01-28
06:20:00
Navient Reports $43M Provision for Loan Losses in Q4
select
2026-01-20 (ET)
2026-01-20
09:50:00
Trump Announces 10% Tariff on Multiple Countries
select

News

CNBC
8.5
03-30CNBC
Student Loan SAVE Plan Set to End Soon
  • End of SAVE Plan: The Trump administration's announcement to terminate the SAVE plan affects approximately 7.5 million borrowers, who will receive guidance on enrolling in a new repayment plan, highlighting the legal challenges that led to the plan's blockage by a federal appeals court, impacting borrowers' repayment options and financial planning.
  • Borrower Deadline: Borrowers must select a new repayment plan by July 1, 2026, as communicated by the Department of Education, with those failing to do so automatically placed into the Standard Repayment Plan, which may result in higher monthly payments than under SAVE.
  • Interest Resumption Impact: With interest resuming for SAVE borrowers in August 2024, the average loan balance of $57,000 at a 6.7% interest rate means borrowers have seen their debt increase by over $2,500 since interest accrual resumed, exacerbating their financial burden.
  • Diverse Repayment Options: Borrowers can enroll in existing income-driven repayment plans or wait for the new Repayment Assistance Plan, which will set monthly payments between 1% and 10% of income, demonstrating the government's flexibility in adjusting student loan policies to meet borrower needs.
CNBC
4.0
03-25CNBC
Impact of Sports Betting on Household Finances
  • Surge in Betting Expenditure: The American Gaming Association estimates that legal sports betting for this year's NCAA men's and women's basketball tournaments will reach $3.3 billion, marking a 54% increase over the past three years, indicating a rapid rise in sports betting participation, which may strain household financial stability.
  • Deteriorating Credit Health: A report from the New York Federal Reserve highlights an increase in credit delinquencies in states with legalized betting, particularly among those under 40, suggesting that gambling may significantly impact young consumers' financial health and lead to higher bankruptcy risks.
  • Declining Credit Scores: According to FICO, the national average credit score has dropped to 714, down two points from last year, primarily due to the resumption of student loan and mortgage delinquency reporting, reflecting an overall deterioration in consumer credit health.
  • Economic Divergence: While some consumers face worsening credit conditions, FICO also notes a growing number of consumers exhibiting strong credit behaviors at both ends of the scoring spectrum, indicating a K-shaped recovery in the economy, where some borrowers are experiencing increased financial pressure.
CNBC
8.5
03-24CNBC
End of SAVE Plan Leaves Borrowers Facing Growing Debt
  • Termination of SAVE Plan: A federal appeals court has ordered the end of the SAVE plan, leaving over 7.2 million borrowers facing increasing debt, as they have been in forbearance since July 2024 without progress towards loan forgiveness.
  • Debt Growth Risk: The average SAVE enrollee has a loan balance of approximately $57,000 with a 6.7% interest rate, and since interest resumed in August, their debt is projected to have increased by over $2,500, exacerbating financial strain on borrowers.
  • Challenges in Applying for New Plans: With the U.S. Department of Education's limited capacity to process applications, borrowers who wait until the end of the SAVE plan to apply for new income-driven repayment options may face longer wait times, increasing their financial risks.
  • Cost of Switching Repayment Plans: While the Income-Based Repayment (IBR) plan is viewed as a better option, borrowers switching from SAVE could see their monthly payments double, adding further financial burden to those already under stress.
CNBC
8.5
03-20CNBC
Harvard University Again Tops Dream College Rankings
  • Dream School Ranking: According to a recent survey by The Princeton Review, Harvard University has once again been named the most desirable college, attracting a large number of applicants despite facing lawsuits from the Trump administration and federal funding cuts, with acceptance rates dropping below 4%, indicating its strong brand influence.
  • Tuition Pressure: The 2026 College Hopes and Worries survey revealed that over 9,400 students and parents consider tuition costs their biggest stressor, with some schools' annual costs nearing six figures, reflecting a staggering 914% increase in education costs since 1983, outpacing other household expenses.
  • Surge in Student Loans: From 2005 to 2025, education debt surged by 343%, with 97% of graduates indicating that their debt has delayed major life goals, highlighting the increasing financial burden of higher education that forces students to borrow to cover tuition costs.
  • Importance of Financial Aid: The Princeton Review noted that while many elite schools offer generous financial aid, Harvard does not provide merit-based scholarships, instead offering free tuition for undergraduates from families earning less than $200,000, underscoring the critical role of financial aid in school selection decisions.
CNBC
8.0
03-17CNBC
Trump Signs Executive Orders on Higher Education Amid Loan Backlog
  • Loan Application Backlog: As of the end of February, over 576,000 federal student loan borrowers are still awaiting processing for income-driven repayment plan applications, indicating significant inefficiencies within the Department of Education that could exacerbate financial pressures on borrowers.
  • Public Service Loan Forgiveness: An additional 88,170 borrowers are pending responses on their Public Service Loan Forgiveness buyback applications, a program designed to cancel debt for non-profit and government workers, highlighting the complexities and delays in government student loan relief efforts.
  • Repayment Plan Changes: The Trump administration's policy shifts may impact existing repayment plans, particularly with the impending cancellation of the SAVE plan, which is expected to increase repayment burdens on borrowers and further strain their financial situations.
  • Rising Default Rates: By December 2025, approximately 9 million borrowers were in default, with 42% of federal student loan borrowers reporting that their monthly payments hinder their ability to meet basic needs, underscoring the severe challenges posed by the current economic climate for borrowers.
CNBC
8.0
03-12CNBC
U.S. Department of Education Reduces Oversight of Student Loan Servicers
  • Reduced Oversight: In February 2025, the U.S. Department of Education ceased assessing student loan servicers on accuracy and call quality, which may lead to inaccuracies in borrower records, potentially affecting 43 million borrowers with incorrect repayment statuses or overbilling risks.
  • Staff Reductions: The Trump administration's cut of the Education Department's staff to 777 from 1,433 significantly diminishes the Federal Student Aid Office's capacity to effectively oversee loan servicers, undermining borrower protections.
  • Borrower Challenges Intensified: The lack of oversight could result in borrowers making poor decisions regarding repayment plans, risking disqualification from forgiveness programs and defaulting, exacerbating the existing $1.6 trillion student debt crisis in the U.S.
  • Recurring Historical Issues: Student loan servicers have faced long-standing criticism for misleading borrowers and failing to provide adequate support, and the Trump administration's policy changes may worsen these issues, negatively impacting borrowers' financial situations and repayment capabilities.
Wall Street analysts forecast NAVI stock price to rise
7 Analyst Rating
Wall Street analysts forecast NAVI stock price to rise
1 Buy
3 Hold
3 Sell
Moderate Sell
Current: 0.000
sliders
Low
11.00
Averages
13.00
High
18.00
Current: 0.000
sliders
Low
11.00
Averages
13.00
High
18.00
TD Cowen
Sell
to
Sell
downgrade
$9 -> $8
AI Analysis
2026-03-31
New
Reason
TD Cowen
Price Target
$9 -> $8
AI Analysis
2026-03-31
New
downgrade
Sell
to
Sell
Reason
TD Cowen lowered the firm's price target on Navient to $8 from $9 and keeps a Sell rating on the shares. The firm adjusted price targets in the consumer finance group as part of a Q1 preview. Macro environment uncertainty has increased due to concerns about AI on employment and geopolitics, the analyst tells investors in a research note. TD believes higher gas prices will be a headwind to low-income consumers. Competition has remained elevated in auto lending, adds the firm. Its top picks are Capital One (COF), SLM (SLM) and Affirm (AFRM).
Deutsche Bank
Mark DeVries
Hold
downgrade
$15 -> $9
2026-01-29
Reason
Deutsche Bank
Mark DeVries
Price Target
$15 -> $9
2026-01-29
downgrade
Hold
Reason
Deutsche Bank analyst Mark DeVries lowered the firm's price target on Navient to $9 from $15 and keeps a Hold rating on the shares post the Q4 report. The company resetting expectations much lower and pushing out its earnings recovery, the analyst tells investors in a research note.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for NAVI
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Valuation Metrics

The current forward P/E ratio for Navient Corp (NAVI.O) is 11.81, compared to its 5-year average forward P/E of 8.07. For a more detailed relative valuation and DCF analysis to assess Navient Corp's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
8.07
Current PE
11.81
Overvalued PE
10.93
Undervalued PE
5.21

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.71
Current PS
2.09
Overvalued PS
3.21
Undervalued PS
2.22

Financials

AI Analysis
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Frequently Asked Questions

What is Navient Corp (NAVI) stock price today?

The current price of NAVI is 8.18 USD — it has increased 0.99

What is Navient Corp (NAVI)'s business?

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.

What is the price predicton of NAVI Stock?

Wall Street analysts forecast NAVI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NAVI is13.00 USD with a low forecast of 11.00 USD and a high forecast of 18.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Navient Corp (NAVI)'s revenue for the last quarter?

Navient Corp revenue for the last quarter amounts to 762.00M USD, decreased -21.36

What is Navient Corp (NAVI)'s earnings per share (EPS) for the last quarter?

Navient Corp. EPS for the last quarter amounts to -0.05 USD, decreased -122.73

How many employees does Navient Corp (NAVI). have?

Navient Corp (NAVI) has 670 emplpoyees as of April 01 2026.

What is Navient Corp (NAVI) market cap?

Today NAVI has the market capitalization of 777.83M USD.