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Navient Corporation NAVI
Financial Services - Financial - Credit Services - NASDAQ - US
Watchlist
$ 11.04
-0.898 %
$ 1.13 B
Market Cap
9.36
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one NAVI stock under the worst case scenario is HIDDEN Compared to the current market price of 11 USD, Navient Corporation is HIDDEN

NAVI Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one NAVI stock under the base case scenario is HIDDEN Compared to the current market price of 11 USD, Navient Corporation is HIDDEN

NAVI Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one NAVI stock under the best case scenario is HIDDEN Compared to the current market price of 11 USD, Navient Corporation is HIDDEN

NAVI Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart NAVI

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1M -21%
6M -40%
1Y -41%
3Y -32%
5Y 109.0%
All
$16.0$16.0$15.5$15.5$15.0$15.0$14.5$14.5$14.0$14.0$13.5$13.5$13.0$13.0$12.5$12.5$12.0$12.0$11.5$11.5$11.0$11.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
3.81 B REVENUE
197.81%
Growth Rates
1Year 197.81%
3Years 19.88%
5Years 13.80%
7Years 8.08%
10Years 0.64%
2.81 B OPERATING INCOME
713.01%
Growth Rates
1Year 713.01%
3Years 44.31%
5Years 29.82%
7Years 38.21%
10Years 9.37%
131 M NET INCOME
-42.54%
Growth Rates
1Year -42.54%
3Years -43.26%
5Years -26.17%
7Years -10.82%
10Years -19.52%
459 M OPERATING CASH FLOW
-32.10%
Growth Rates
1Year -32.10%
3Years -13.21%
5Years -14.74%
7Years -12.37%
10Years -12.08%
8.47 B INVESTING CASH FLOW
15.07%
Growth Rates
1Year 15.07%
3Years 8.26%
5Years 2.49%
7Years 1.75%
10Years 21.69%
-9.62 B FINANCING CASH FLOW
4.30%
Growth Rates
1Year 4.30%
3Years -9.45%
5Years 0.75%
7Years -1.97%
10Years -9.85%
595 M REVENUE
-37.24%
Growth Rates
1Year 197.81%
3Years 19.88%
5Years 13.80%
7Years 8.08%
10Years 0.64%
317 M OPERATING INCOME
-45.34%
Growth Rates
1Year 713.01%
3Years 44.31%
5Years 29.82%
7Years 38.21%
10Years 9.37%
24 M NET INCOME
1300.00%
Growth Rates
1Year -42.54%
3Years -43.26%
5Years -26.17%
7Years -10.82%
10Years -19.52%
8 M OPERATING CASH FLOW
180.00%
Growth Rates
1Year -32.10%
3Years -13.21%
5Years -14.74%
7Years -12.37%
10Years -12.08%
907 M INVESTING CASH FLOW
-53.75%
Growth Rates
1Year 15.07%
3Years 8.26%
5Years 2.49%
7Years 1.75%
10Years 21.69%
-1.6 B FINANCING CASH FLOW
49.27%
Growth Rates
1Year 4.30%
3Years -9.45%
5Years 0.75%
7Years -1.97%
10Years -9.85%
Balance Sheet Navient Corporation
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Current Assets 2.1 B
Cash & Short-Term Investments 2.1 B
Receivables 1.9 B
Other Current Assets -1.9 B
Non-Current Assets 437 M
Long-Term Investments 0
PP&E 0
Other Non-Current Assets 437 M
82.80 %74.88 %17.20 %Total Assets$2.5b
Current Liabilities 5.13 B
Accounts Payable 0
Short-Term Debt 5.13 B
Other Current Liabilities 0
Non-Current Liabilities 44 B
Long-Term Debt 0
Other Non-Current Liabilities 44 B
10.45 %89.55 %Total Liabilities$49.1b
EFFICIENCY
Earnings Waterfall Navient Corporation
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Revenue 3.81 B
Cost Of Revenue 316 M
Gross Profit 3.49 B
Operating Expenses 680 M
Operating Income 2.81 B
Other Expenses 2.68 B
Net Income 131 M
4b4b4b4b3b3b3b3b2b2b2b2b1b1b500m500m004b(316m)3b(680m)3b(3b)131mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
91.70% GROSS MARGIN
91.70%
Averages
1Year 91.70%
3Years 168.01%
5Years 118.47%
7Years 98.84%
10Years 88.09%
73.85% OPERATING MARGIN
73.85%
Averages
1Year 73.85%
3Years 89.84%
5Years 68.68%
7Years 85.69%
10Years 67.21%
3.44% NET MARGIN
3.44%
Averages
1Year 3.44%
3Years 19.47%
5Years 23.05%
7Years 23.67%
10Years 23.80%
4.96% ROE
4.96%
Averages
1Year 4.96%
3Years 11.63%
5Years 15.89%
7Years 15.51%
10Years 16.05%
0.25% ROA
0.25%
Averages
1Year 0.25%
3Years 0.51%
5Years 0.58%
7Years 0.56%
10Years 0.55%
83.38% ROIC
83.38%
Averages
1Year 83.38%
3Years 41.57%
5Years 29.91%
7Years 55.80%
10Years 41.05%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Navient Corporation
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14b14b12b12b10b10b8b8b6b6b4b4b2b2b0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 131 M
Depreciation & Amortization 146 M
Capital Expenditures 0
Stock-Based Compensation 23 M
Change in Working Capital 212 M
Others -158 M
Free Cash Flow 459 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Navient Corporation
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Wall Street analysts predict an average 1-year price target for NAVI of $17 , with forecasts ranging from a low of $17 to a high of $17 .
NAVI Lowest Price Target Wall Street Target
17 USD 53.99%
NAVI Average Price Target Wall Street Target
17 USD 53.99%
NAVI Highest Price Target Wall Street Target
17 USD 53.99%
Price
Max Price Target
Min Price Target
Average Price Target
1717161615151414131312121111May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
1.17% DIVIDEND YIELD
0.16 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.640.160.640.160.640.160.640.160.640.160.640.160.640.160.640.160.640.160.640.162015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Navient Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
150 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
160 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Navient (NAVI) Up 1.6% Since Last Earnings Report: Can It Continue? Navient (NAVI) reported earnings 30 days ago. What's next for the stock? zacks.com - 1 month ago
Navient Divests Government Services Business to Gallant Capital NAVI's divestiture of the NGS unit will likely enhance its operational efficiency and financial performance. zacks.com - 1 month ago
Gallant Capital Completes Acquisition of the Government Services Business of Navient Corporation LOS ANGELES--(BUSINESS WIRE)--Gallant Capital Partners (“Gallant”) announced that it has closed its acquisition of the Government Services business (“NGS” or the “Company”) of Navient Corporation (Nasdaq: NAVI). NGS provides tech-enabled outsourced business processing to U.S. federal, state, and local government clients. NGS is a leader in the tolling and parking technology and services market and provides other mission-critical services to government agencies including call center support, rev. businesswire.com - 1 month ago
Navient declares first quarter common stock dividend HERNDON, Va., Feb. 21, 2025 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) announced that its board of directors approved a 2025 first quarter dividend of $0.16 per share on the company's common stock. globenewswire.com - 1 month ago
Navient finalizes sale of Government Services business HERNDON, Va., Feb. 21, 2025 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) announced today that it has finalized the sale of its Government Services business to an affiliate of Gallant Capital Partners, LLC, a Los Angeles-based investment firm. globenewswire.com - 1 month ago
Earnest Welcomes Emily Childers as Chief Marketing Officer SAN FRANCISCO--(BUSINESS WIRE)--Earnest, a fintech company empowering professionals and students to maximize their financial futures, announced today that Emily Childers has joined as Chief Marketing Officer (CMO). In her role on Earnest's executive leadership team, Childers will lead all aspects of the marketing organization across brand, growth, and communications. With nearly two decades of experience, Childers joins Earnest from Intuit Credit Karma. There, she most recently served as Head o. businesswire.com - 2 months ago
CAE Inc. announces changes to its Board of Directors MONTREAL , Feb. 13, 2025 /PRNewswire/ - (NYSE: CAE) (TSX: CAE) - CAE Inc. ("CAE" or "the Company") today announced the appointment of four new directors to its Board of Directors, including Calin Rovinescu as Chair of the Board. The other three appointments are Peter Lee, Katherine A. prnewswire.com - 2 months ago
Navient Corporation (NAVI) Q4 2024 Earnings Call Transcript Navient Corporation (NASDAQ:NAVI ) Q4 2024 Results Conference Call January 29, 2025 8:00 AM ET Company Participants Jen Earyes - Head of Investor Relations David Yowan - Chief Executive Officer Edward Bramson - Vice Chair of Board of Directors Joe Fisher - Chief Financial Officer Conference Call Participants Sanjay Sakhrani - KBW Bill Ryan - Seaport Research Rick Shane - JPMorgan Moshe Orenbuch - TD Cowen Nate Richam - Bank of America Terry Ma - Barclays Jeff Adelson - Morgan Stanley Mark DeVries - Deutsche Bank Ryan Shelley - Bank of America Operator Ladies and gentlemen, thank you for standing by, and welcome to Navient's Fourth Quarter Earnings Conference Call. At this time, all participants are in a listen-only mode. seekingalpha.com - 2 months ago
Navient Q4 Earnings Beat Estimates on Lower Expenses, NII Dips Y/Y NAVI's Q4 earnings benefit from an increase in other income and a decline in expenses. However, lower NII remains a concern. zacks.com - 2 months ago
Navient (NAVI) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates The headline numbers for Navient (NAVI) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 2 months ago
Navient (NAVI) Q4 Earnings Beat Estimates Navient (NAVI) came out with quarterly earnings of $0.25 per share, beating the Zacks Consensus Estimate of $0.20 per share. This compares to earnings of $0.70 per share a year ago. zacks.com - 2 months ago
Navient posts fourth quarter 2024 financial results HERNDON, Va., Jan. 29, 2025 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) today posted its 2024 fourth quarter financial results. Complete financial results are available on the company's website at Navient.com/investors. The materials will also be available on a Form 8-K on the SEC's website at www.sec.gov. globenewswire.com - 2 months ago
8. Profile Summary

Navient Corporation NAVI

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 1.13 B
Dividend Yield 1.17%
Description 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.
Contact 123 Justison Street, Wilmington, DE, 19801 https://www.navient.com
IPO Date April 17, 2014
Employees 2100
Officers Paul Hartwick Vice President of Corporate Communications Ms. Judah Holland Senior Vice President of Strategic Initiatives Mr. Troy Standish Chief Operating Officer & Executive Vice President Mr. Matthew R. Sheldon Senior Vice President & General Counsel Ms. Shanee Ben-Zur Chief Marketing Officer of Earnest Mr. David L. Yowan President, Chief Executive Officer & Director Ms. Jen Earyes Head of Investor Relations Mr. Stephen M. Hauber Executive Vice President & Chief Administrative Officer Ms. Deanna Coloe Vice President & Chief Audit Officer Mr. Joe Fisher C.F.A. Executive Vice President, Chief Financial Officer & Principal Accounting Officer