Line
|
Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
12.890
Open
12.890
VWAP
12.89
Vol
2.96K
Mkt Cap
1.29B
Low
12.890
Amount
38.09K
EV/EBITDA(TTM)
1.70K
Total Shares
111.82M
EV
47.67B
EV/OCF(TTM)
244.48
P/S(TTM)
0.38
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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Market Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q3
FY2025Q4
FY2026Q1
149.75M
+6.96%
0.206
-85.76%
145.25M
+8.4%
0.323
-234.5%
144.00M
0%
0.313
+25.1%
Estimates Revision
The market is revising Downward the revenue expectations for Navient Corporation (NAVI) for FY2025, with the revenue forecasts being adjusted by -12.05% over the past three months. During the same period, the stock price has changed by -6.46%.
Revenue Estimates for FY2025
Revise Downward
-12.05%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
-9.06%
In Past 3 Month
Stock Price
Go Down
-6.46%
In Past 3 Month
6 Analyst Rating
2.79% Upside
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 is 13.25 USD with a low forecast of 10.00 USD and a high forecast of 15.00 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.
0 Buy
4 Hold
2 Sell
Moderate Sell
2.79% Upside
Current: 12.890
Low
10.00
Averages
13.25
High
15.00
2.79% Upside
Current: 12.890
Low
10.00
Averages
13.25
High
15.00
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.
Jefferies
John Hecht
Hold
Maintains
$14 → $12
2025-04-21
Reason
Jefferies
John Hecht
Price Target
$14 → $12
2025-04-21
Maintains
Hold
Reason
Jefferies lowered the firm's price target on Navient to $12 from $14 and keeps a Hold rating on the shares ahead of the company reporting Q1 results on April 29. The firm, which looks forward to the call to hear more detail regarding FY25 and beyond as the regulatory landscape "may tilt in NAVI's favor," expects the focus to be on net interest margin and origination trends; other revenue and business unit sales; floor income hedges; operating expense trends; and shifting regulatory factors.
JP Morgan
Richard Shane
Hold
Maintains
$14 → $11
2025-04-08
Reason
JP Morgan
Richard Shane
Price Target
$14 → $11
2025-04-08
Maintains
Hold
Reason
JPMorgan lowered the firm's price target on Navient to $11 from $13.50 and keeps a Neutral rating on the shares as part of a Q1 earnings preview for the consumer finance group. Following the sharp selloff across the sector, JPMorgan recalibrated year-end 2025 price targets to reflect "pronounced declines in sentiment and heightened fundamental risk." Trade policies could lead to inflationary pressure combined with increased risk to financial assets and sentiment, the analyst tells investors in a research note. JPMorgan says the rising probability of a recession, increased risk to labor markets, and the "regressive nature" of tariffs weaken its outlook for unsecured consumer credit.
Keefe, Bruyette & Woods
Sanjay Sakhrani
Hold
Maintains
$16 → $14
2025-03-31
Reason
Keefe, Bruyette & Woods
Sanjay Sakhrani
Price Target
$16 → $14
2025-03-31
Maintains
Hold
Reason
Keefe Bruyette lowered the firm's price target on Navient to $14 from $16 and keeps a Market Perform rating on the shares as part of a Q1 earnings preview for the consumer finance space. The quarter "was a rollercoaster" with the first half starting as strong and the second half "dropping off precipitously," the analyst tells investors in a research note.
Seaport Global
Bill Ryan
Hold
to
Strong Buy
Upgrades
$18
2025-01-21
Reason
Seaport Global
Bill Ryan
Price Target
$18
2025-01-21
Upgrades
Hold
to
Strong Buy
Reason
Seaport Research analyst Bill Ryan upgraded Navient to Buy from Neutral with an $18 price target. The firm sees some risk in the upcoming 2025 guidance relative to consensus, but believes the items potentially causing any shortfall will be transitory in nature and calls Navient "more" of a sum-of-the-parts than an earnings-based investment. The firm sees a favorable risk-reward setup since the collective cash and value of the FFELP portfolio approximates the current stock price, the analyst noted.
JP Morgan
Richard Shane
Hold
Maintains
$15 → $14
2025-01-14
Reason
JP Morgan
Richard Shane
Price Target
$15 → $14
2025-01-14
Maintains
Hold
Reason
See All Ratings
Valuation Metrics
The current forward P/E ratio for Navient Corp (NAVI.O) is 10.92, compared to its 5-year average forward P/E of 7.15. 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.
Overvalued
5Y Average PE
7.15
Current PE
10.92
Overvalued PE
10.25
Undervalued PE
4.06
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
2.63
Current PS
0.00
Overvalued PS
3.21
Undervalued PS
2.06
Financials
Annual
Quarterly
FY2025Q2
YoY :
-27.53%
787.00M
Total Revenue
FY2025Q2
YoY :
-71.64%
19.00M
Operating Profit
FY2025Q2
YoY :
-61.11%
14.00M
Net Income after Tax
FY2025Q2
YoY :
-56.25%
0.14
EPS - Diluted
FY2025Q2
YoY :
-54.84%
126.00M
Free Cash Flow
FY2025Q2
YoY :
-22.21%
17.41
Gross Profit Margin - %
FY2025Q2
YoY :
-71.33%
5.47
FCF Margin - %
FY2025Q2
YoY :
-46.22%
1.78
Net Margin - %
FY2025Q2
YoY :
-77.78%
0.06
ROIC
Trading Trends
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
150.0K
USD
1
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
3.0M
Volume
1
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
0
0.0
Volume
Months
6-9
0
0.0
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
150.0K
USD
1
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
NAVI News & Events
Events Timeline
2025-07-30 (ET)
2025-07-30
08:21:53
Navient lowers FY adjusted EPS view to 95c-$1.05, consensus $1.05
2025-07-30
08:07:13
Navient: Demand for private in-school graduate loans to increase significantly
2025-07-30
06:05:08
Navient reports Q2 core EPS 20c, consensus 27c
Sign Up For More Events
Sign Up For More Events
News
8.0
08-01NASDAQ.COMNavient (NAVI) Passes Through 5% Yield Mark
9.5
07-30NASDAQ.COMNavient Q2 Earnings Miss on Lower NII & Higher Provisions, Stock Down
9.5
07-30NASDAQ.COMNavient Corp. Reports Decline In Q2 Profit, Misses Estimates
Sign Up For More News
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FAQ
What is Navient Corp (NAVI) stock price today?
The current price of NAVI is 12.89 USD — it has increased 0 % in the last trading day.
What is Navient Corp (NAVI)'s business?
What is the price predicton of NAVI Stock?
What is Navient Corp (NAVI)'s revenue for the last quarter?
What is Navient Corp (NAVI)'s earnings per share (EPS) for the last quarter?
What changes have occurred in the market's expectations for Navient Corp (NAVI)'s fundamentals?
How many employees does Navient Corp (NAVI). have?