NAVI - NASDAQ

Navient Corporation

NAVI·NASDAQ

$7.44

-8.3%

Financial ServicesFinancial - Credit Services

Navient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing and asset recovery services on its own loan portfolio, as well as asset recovery services on FFELP loans owned by other institutions. It also owns, originates, acquires, and services refinance and in-school private education loans; and offers healthcare services that include revenue cycle outsourcing, accounts receivable management, extended business office support, consulting engagement, and public health programs, as well as business processing services to state governments, agencies, court systems, municipalities, and parking and tolling authorities. In addition, the company provides customizable solutions for its clients that include hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments; and corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$699.28M

EPS-0.8100

P/E Ratio-9.19

Earnings Date07/29/2026

48.68B

Assets

-6%

3Y-31.0%

5Y-44.0%

10Y-60.0%

46.28B

Total Liabilities

-6%

3Y-32.0%

5Y-46.0%

10Y-61.0%

2.40B

Total Equity

-9%

3Y-19.0%

5Y-2.0%

10Y-36.0%

Navient Corporation Funding & Solvency Profile

NAVI · NASDAQ

Current Assets

Cash & Cash Equivalents2.10B

Net Receivables1.67B

Inventory0.00

Other Current Assets-1.67B

Total Current Assets2 B

Non-Current Assets

Property, Plant & Equipment0.00

Goodwill & Intangible Assets434.00M

Long-Term Investments44.26B

Other Non-Current Assets-44.26B

Total Non-Current Assets0

Total Assets

48.68B

Financial Health Analysis

Current Ratio

0.41x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

19.29x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-2969000000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

4% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Navient Corporation Balance Sheet

NAVI • NASDAQ

Navient Corporation Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	2.1B	722M	839M	1.5B	905M	1.2B	1.2B	1.3B	1.8B	1.6B	2.1B	2.1B	5.2B	3.9B
Short-Term Investments	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2M	3M	5M	6M	109M	0.0
Cash & Short-Term Investments	2.1B	722M	839M	1.5B	905M	1.2B	1.2B	1.3B	1.5B	1.3B	1.6B	1.4B	5.3B	3.9B
Net Receivables	1.7B	1.9B	2.3B	2.2B	2.4B	2.5B	2.3B	2.4B	0.0	0.0	0.0	0.0	4.3B	0.0
Accounts Receivables	1.7B	1.8B	2.2B	2.1B	2B	2.1B	2.1B	2.1B	2.1B	1.8B	2B	2.4B	3B	0.0
Other Receivables	0.0	120M	122M	132M	369M	454M	258M	271M	380M	725M	945M	1.4B	1.3B	0.0
Inventory	0.0	0.0	0.0	0.0	0.0	0.0	5.9B	-104.2B	-114.2B	-120B	0.0	0.0	0.0	0.0
Other Current Assets	-1.7B	0.0	0.0	0.0	0.0	0.0	-5.9B	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	2.1B	2.6B	3.1B	3.8B	3.3B	3.7B	3.6B	3.7B	4.8B	4.9B	5.3B	5.4B	9.6B	3.9B
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	0.0	52M	62M	74M	95M	116M	135M	136M	156M	160M	162M	152M	237M	215M
Goodwill	428M	428M	670M	670M	671M	665M	665M	665M	701M	545M	551M	353M	394M	395M
Intangible Assets	6M	9M	25M	35M	54M	70M	92M	121M	109M	125M	154M	16M	30M	53M
Goodwill & Intangible Assets	434M	437M	695M	705M	725M	735M	757M	786M	810M	670M	705M	369M	424M	448M
Long-Term Investments	44.3B	46.7B	55B	62.5B	73.3B	80B	211M	226M	751M	838M	992M	1.1B	1.4B	0.0
Tax Assets	0.0	0.0	0.0	0.0	0.0	0.0	258M	2.1B	115B	121.1B	0.0	0.0	0.0	0.0
Other Non-Current Assets	-44.3B	1.9B	2.4B	3.8B	3.2B	2.9B	-258M	-1.6B	-115.9B	-122.1B	-1.2B	-1.3B	-2B	-663M
Total Non-Current Assets	434M	49.2B	58.2B	67B	77.3B	83.7B	1.1B	1.6B	810M	670M	705M	369M	2B	663M
Other Assets	46.1B	0.0	0.0	0.0	0.0	0.0	90.2B	98.9B	109.4B	115.6B	128.1B	140.6B	147.9B	176.7B
Total Assets	48.7B	51.8B	61.4B	70.8B	80.6B	87.4B	94.9B	104.2B	115B	121.1B	134.1B	146.4B	159.5B	181.3B
LIABILITIES
CURRENT LIABILITIES
Short Term Debt	5.1B	4.7B	4.8B	5B	3.8B	6.4B	15.3B	5.4B	4.8B	2.3B	2.6B	2.7B	17.7B	0.0
Other Current Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	-6.8B	-5.4B	0.0	0.0	0.0	0.0	-17.7B	0.0
Total Current Liabilities	5.1B	4.7B	4.8B	5B	3.8B	6.4B	8.5B	9.3B	4.8B	2.3B	2.6B	2.7B	19.9B	0.0
NON-CURRENT LIABILITIES
Long Term Debt	40.6B	43.9B	53.2B	62.4B	72.9B	77B	74.9B	93.5B	105B	112.4B	124.8B	136.9B	130.7B	152.4B
Deferred Revenue (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	91.6B	100.6B	111.5B	117.4B	0.0	0.0	0.0	0.0
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	-9.8B	-100.6B	-111.5B	-117.4B	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	576M	483M	700M	422M	1.3B	1.6B	0.0	1.7B	1.7B	2.7B	2.7B	2.6B	-130.7B	-152.4B
Total Non-Current Liabilities	41.2B	44.4B	53.9B	62.9B	74.2B	78.6B	81.7B	90B	106.7B	115.1B	127.5B	139.5B	128.5B	152.4B
Other Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	1.4B	1.3B	0.0	0.0	0.0	0.0	5.5B	0.0
Total Liabilities	46.3B	49.1B	58.6B	67.8B	78B	85B	91.6B	100.6B	111.5B	117.4B	130.1B	142.2B	153.9B	152.4B
SHAREHOLDERS' EQUITY
Treasury Stock	-5.6B	-5.4B	-5.3B	-4.9B	-4.5B	-3.9B	-3.4B	-3B	-2.7B	-2.2B	-1.4B	-432M	-2B	-1.3B
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3.2B	3B	2.9B	0.0	0.0	565M	565M
Common Stock	4M	4M	4M	4M	4M	4M	4M	4M	4M	4M	4M	4M	109M	107M
Additional Paid-In Capital	3.4B	3.4B	3.4B	3.3B	3.3B	3.2B	3.2B	3.1B	3.1B	3B	3B	2.9B	4.4B	4.2B
Retained Earnings	4.6B	4.7B	4.6B	4.5B	3.9B	3.3B	3.7B	3.2B	3B	2.9B	2.5B	1.7B	2.6B	1.5B
Accumulated Other Comprehensive Income/Loss	2M	3M	19M	87M	-133M	-274M	-91M	113M	61M	6M	-51M	9M	13M	0.0
Total Stockholders' Equity	2.4B	2.6B	2.8B	3B	2.6B	2.4B	3.3B	3.5B	3.5B	3.7B	4B	4.2B	5.6B	5.1B
Total Equity	2.4B	2.6B	2.8B	3B	2.6B	2.4B	3.3B	3.5B	3.5B	3.7B	4B	4.2B	5.6B	5.1B
Minority Interest	0.0	0.0	0.0	0.0	11M	14M	13M	28M	31M	24M	24M	0.0	5M	6M
SUMMARY
Total Liabilities & Equity	48.7B	51.8B	61.4B	70.8B	80.6B	87.4B	94.9B	104.2B	115B	121.1B	134.1B	146.4B	159.5B	0.0
Total Investments	44.3B	46.7B	55B	62.5B	73.3B	80B	211M	226M	753M	841M	997M	1.1B	1.5B	0.0
Total Debt	45.7B	48.7B	57.9B	67.4B	76.7B	83.4B	90.2B	98.9B	109.8B	114.7B	127.4B	139.5B	148.4B	0.0
Net Debt	43.6B	47.9B	57.1B	65.9B	75.8B	82.2B	89B	97.7B	108B	113.1B	125.3B	137.5B	143.2B	-3.9B
Shares Outstanding	100,750,511	100,750,511	100,750,511	100,750,511	100,750,511	100,750,511	100,750,511	100,750,511	100,750,511	100,750,511	100,750,511	100,750,511	100,750,511	100,750,511

SEC Filings

NAVI - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
DEF 14A DEF 14A 2026 N/A	April 16, 2026	June 04, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 28, 2026	January 28, 2026	2026	View Filing

Showing 1 to 2 of 2 filings

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