NAVI Stock: Price, Forecast, Financials & AI Analysis

High

Open

VWAP

Vol

Mkt Cap

Low

Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2026Q1

FY2026Q2

144.25M

+7.65%

0.310

-229.3%

147.50M

+2.43%

0.239

-4.43%

149.00M

+13.74%

0.308

+54.08%

Estimates Revision

The market is revising Upward the revenue expectations for Navient Corporation (NAVI) for FY2025, with the revenue forecasts being adjusted by 7.13% over the past three months. During the same period, the stock price has changed by -1.31%.

Revenue Estimates for FY2025

Revise Upward

+7.13%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-107%

In Past 3 Month

Stock Price

Go Down

-1.31%

In Past 3 Month

6 Analyst Rating

Wall Street analysts forecast NAVI stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for NAVI is 12.00 USD with a low forecast of 10.00 USD and a high forecast of 14.50 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.

0 Buy

3 Hold

3 Sell

Moderate Sell

Current: 12.800

Low

10.00

Averages

12.00

High

14.50

Current: 12.800

Low

10.00

Averages

12.00

High

14.50

TD Cowen

Sell

maintain

$44 -> $46

2025-10-30

Reason

TD Cowen

Price Target

$44 -> $46

2025-10-30

maintain

Sell

Reason

TD Cowen raised the firm's price target on Navient to $46 from $44 and keeps a Sell rating on the shares. The firm said the exit Q3 constructive on new( product scaling though they have nonetheless dialed down long-term AOGR prospects for 026E; 2026E operating leverage, greater likelihood on team lift-out/small deals, and continued upside to consensus 26E adj. EPS.

JPMorgan

Richard Shane

Neutral

downgrade

$14

2025-10-30

Reason

JPMorgan

Richard Shane

Price Target

$14

2025-10-30

downgrade

Neutral

Reason

JPMorgan analyst Richard Shane lowered the firm's price target on Navient to $12.50 from $14 and keeps a Neutral rating on the shares. The company reported a Q3 miss due to an outsized provision expense on weaker credit, the analyst tells investors in a research note.

Keefe Bruyette

Market Perform

downgrade

$15

2025-10-01

Reason

Keefe Bruyette

Price Target

$15

2025-10-01

downgrade

Market Perform

Reason

Keefe Bruyette lowered the firm's price target on Navient to $14.50 from $15 and keeps a Market Perform rating on the shares.

BofA

Nathaniel Richam-Odoi

Neutral -> Underperform

downgrade

$12

2025-09-04

Reason

BofA

Nathaniel Richam-Odoi

Price Target

$12

2025-09-04

downgrade

Neutral -> Underperform

Reason

BofA analyst Nathaniel Richam-Odoi downgraded Navient to Underperform from Neutral with a $12 price target.

BofA

Neutral -> Underperform

downgrade

$15 -> $12

2025-09-04

Reason

BofA

Price Target

$15 -> $12

2025-09-04

downgrade

Neutral -> Underperform

Reason

As previously reported, BofA downgraded Navient to Underperform from Neutral with a price target of $12, down from $15. While the firm appreciates the company's execution on cost cutting and business divestments, it views the "Phase 2" growth initiatives as more difficult than the "Phase 1" focus on expense reductions and capital allocation and believes a shift to growth has "significantly higher execution risk," the analyst tells investors. Early indications suggest additional loan products, fee-based products, or leaning further into in-school lending are potential options, but all of these come with near-term risks, the analyst added.

JPMorgan

Neutral

maintain

2025-07-11

Reason

JPMorgan

Price Target

2025-07-11

maintain

Neutral

Reason

JPMorgan raised the firm's price target on Navient to $15.50 from $12.50 and keeps a Neutral rating on the shares. The firm established year-end 2026 price targets in the consumer finance group heading into the Q2 reports. While tariff uncertainty remains elevated, the probability of "left-tailed scenarios" has diminished, which warrants a more constructive outlook, the analyst tells investors in a research note.

Valuation Metrics

The current forward P/E ratio for Navient Corp (NAVI.O) is 11.89, compared to its 5-year average forward P/E of 7.73. 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.

5Y Average PE

7.73

Current PE

11.89

Overvalued PE

10.76

Undervalued PE

4.71

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.

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.

N/A

5Y Average PS

2.67

Current PS

0.00

Overvalued PS

3.19

Undervalued PS

2.15

Financials

Annual

Quarterly

N/A

Total Revenue

N/A

Operating Profit

N/A

Net Income after Tax

N/A

EPS - Diluted

N/A

Free Cash Flow

N/A

Gross Profit Margin - %

N/A

FCF Margin - %

N/A

Net Margin - %

N/A

ROIC

Trading Trends

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Hedge Fund

Hedge Funds are Neutral. There are no significant trading trends over the last quarter.

Sold

Bought

Congress Trading

Congress are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

NAVI News & Events

Events Timeline

No data

News

8.0

12-03NASDAQ.COM

Upcoming Ex-Dividend Dates for Amerisafe, Kimco Realty, and Navient

4.5

11-28Barron's

Black Friday's Significance for Stock Markets Reaches New Heights: Key Insights and 4 Additional Updates for Today.

6.5

11-26Barron's

BofA Analysts Warn That Sports Betting Poses Risks for Lenders

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Frequently Asked Questions

What is Navient Corp (NAVI) stock price today?

The current price of NAVI is 12.8 USD — it has increased 0.47 % in the last trading day.

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?

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

Navient Corp revenue for the last quarter amounts to 790.00M USD, decreased -20.60 % YoY.

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

Navient Corp. EPS for the last quarter amounts to -0.88 USD, increased 4300.00 % YoY.

What changes have occurred in the market's expectations for Navient Corp (NAVI)'s fundamentals?

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

Navient Corp (NAVI) has 2100 emplpoyees as of December 16 2025.

What is Navient Corp (NAVI) market cap?

Today NAVI has the market capitalization of 1.25B USD.