Inside the research
Navient Corporation
NAVI Research profile · latest available data
Price overview
$9.12
▼ -0.18 (-1.9%)
| 52w hi | $12.55 |
|---|---|
| 52w lo | $7.16 |
| Vol | 1.04M |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.02
| Short | +0.20 |
|---|---|
| Medium | +0.01 |
| Long | -0.30 |
computed 2026-09-27
Key fundamentals
Navient Corporation
Financial Services · Credit Services
| Market cap | $855.31M |
|---|---|
| Enterprise value | $44.49B |
| Forward P/E | 9.44x |
| P / S (ttm) | 2.56x |
| Profit margin | -14.7% |
| Return on equity | -2.0% |
| Revenue growth | +4.2% |
| Earnings growth | +100.0% |
| Debt / equity | 1852.71 |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.07 | |
| Sector | +0.02 | |
| Technical | +0.09 | |
| Earnings | +0.00 | |
| Sentiment | +0.00 |
macro × 1.00 · 2026-09-27
Business overview
Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand. It also owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.
Risk Metrics
| Beta vs SPX | 1.01 |
|---|---|
| Corr SPX | 0.42 |
| Annual vol | 38.8% |
| Annual ret | -20.0% |
| Sharpe | -0.52 |
| Max DD | -53.1% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-08-06 | Earnings Release, Exhibits | read |
| 2026-07-02 | 1.05 | read |
| 2026-06-05 | Shareholder Vote | read |
| 2026-05-29 | Material Agreement, Material Obligation… | read |
| 2026-04-29 | Earnings Release, Exhibits | read |
| 2026-04-08 | Officer / Director Change, Exhibits | read |
| 2026-01-28 | Earnings Release, Exhibits | read |
| 2026-01-08 | Officer / Director Change, Exhibits | read |
| 2025-11-19 | Reg FD Disclosure, Exhibits | read |
| 2025-10-29 | Earnings Release, Exhibits | read |
| 2025-07-30 | Earnings Release, Exhibits | read |
| 2025-07-11 | Officer / Director Change, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-06-04 | Lawson Michael A | Grant | 18.02K | $140.00K | |
| 2026-06-04 | ARNOLD FREDERICK | Grant | 18.02K | $140.00K | |
| 2026-06-04 | YOWAN DAVID L. | President & CEO | Grant | 36.24K | — |
| 2026-06-04 | YOWAN DAVID L. | President & CEO | Withheld for tax | 14.68K | $114.03K |
| 2026-06-04 | YOWAN DAVID L. | President & CEO | Option exercise | 107.36K | — |
| 2026-06-04 | YOWAN DAVID L. | President & CEO | Withheld for tax | 43.48K | $337.86K |
| 2026-06-04 | YOWAN DAVID L. | President & CEO | Disposal | 63.88K | $496.36K |
| 2026-06-04 | YOWAN DAVID L. | President & CEO | Grant | 18.02K | $140.00K |
| 2026-05-22 | STANDISH TROY | EVP & Chief Operating Off | Withheld for tax | 1.12K | $9.49K |
| 2026-05-22 | HAUBER STEPHEN M | EVP, CFO & PAO | Withheld for tax | 816 | $6.89K |
Flow & Concentration
| Insider 180d net | $0 |
|---|---|
| Insider buys / sells | 0 / 0 |
| Insider bias | Neutral |
| 13F holders | 7 |
| Top-5 share | 98.3% |
| HHI | 3,346 (concentrated) |
Top Holders
| Holder | Value | Shares |
|---|---|---|
| State Street Corp | $23.36M | 2.74M |
| Citadel Advisors | $12.29M | 1.44M |
| AQR Capital Management | $6.56M | 770.77K |
| Capital Research / Capital World | $2.82M | 330.95K |
| Millennium Management | $1.55M | 181.74K |
| Fidelity / FMR LLC | $785.40K | 92.29K |
| T. Rowe Price Group | $1.24K | 145.48K |
As of 2026-06-30
SEC Filings
The Long Run
FY 2014–2025 · 12 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $271.00M | -4.6% | |
| Net income | -$80.00M | -2.9% | |
| Cash from ops | $676.00M | -12.7% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $9.30 | $9.33 | $8.99 | $9.12 | 1.04M |
| Sep 24 | $9.13 | $9.35 | $9.03 | $9.30 | 1.88M |
| Sep 23 | $9.39 | $9.48 | $9.06 | $9.16 | 1.31M |
| Sep 22 | $9.67 | $9.73 | $9.28 | $9.48 | 1.52M |
| Sep 21 | $9.53 | $9.73 | $9.49 | $9.57 | 1.14M |
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