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Financial Services - Financial - Credit Services - NASDAQ - US
$ 13.91
-2.8 %
$ 1.42 B
Market Cap
11.79
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one NAVI stock under the worst case scenario is HIDDEN Compared to the current market price of 13.9 USD, Navient Corporation is HIDDEN

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one NAVI stock under the base case scenario is HIDDEN Compared to the current market price of 13.9 USD, Navient Corporation is HIDDEN

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one NAVI stock under the best case scenario is HIDDEN Compared to the current market price of 13.9 USD, Navient Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS
FINANCIALS
1.28 B REVENUE
-26.37%
346 M OPERATING INCOME
-88.19%
228 M NET INCOME
-64.65%
676 M OPERATING CASH FLOW
121.64%
7.36 B INVESTING CASH FLOW
-30.50%
-10 B FINANCING CASH FLOW
-4.00%
948 M REVENUE
-13.50%
580 M OPERATING INCOME
-37.77%
-2 M NET INCOME
-5.56%
-10 M OPERATING CASH FLOW
-3.58%
1.96 B INVESTING CASH FLOW
-39.99%
-3.16 B FINANCING CASH FLOW
-27.12%
Balance Sheet Navient Corporation
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Current Assets 839 M
Cash & Short-Term Investments 839 M
Receivables 0
Other Current Assets 0
Non-Current Assets 60.7 B
Long-Term Investments 146 M
PP&E 62 M
Other Non-Current Assets 60.5 B
Current Liabilities 4.23 B
Accounts Payable 0
Short-Term Debt 4.14 B
Other Current Liabilities 81 M
Non-Current Liabilities 54.4 B
Long-Term Debt 53.4 B
Other Non-Current Liabilities 987 M
EFFICIENCY
Earnings Waterfall Navient Corporation
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Revenue 1.28 B
Cost Of Revenue -3.12 B
Gross Profit 4.4 B
Operating Expenses 1.28 B
Operating Income 346 M
Other Expenses 118 M
Net Income 228 M
RATIOS
344.18% GROSS MARGIN
344.18%
27.05% OPERATING MARGIN
27.05%
17.83% NET MARGIN
17.83%
8.26% ROE
8.26%
0.37% ROA
0.37%
0.41% ROIC
0.41%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Navient Corporation
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Net Income 228 M
Depreciation & Amortization 10 M
Capital Expenditures 0
Stock-Based Compensation 24 M
Change in Working Capital 136 M
Others 414 M
Free Cash Flow 676 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 22.21%
NAVI Average Price Target Wall Street Target
17 USD 22.21%
NAVI Highest Price Target Wall Street Target
17 USD 22.21%
4. DIVIDEND ANALYSIS
1.07% DIVIDEND YIELD
0.16 USD DIVIDEND PER SHARE
5. COMPETITION
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
Date Value Insider Amount Avg Price
3 months ago
Nov 06, 2024
Sell 150 K USD
HAUBER STEPHEN M
EVP & Chief Admin Officer
- 10000
15 USD
10 months ago
May 03, 2024
Sell 160 K USD
HELEEN MARK L
EVP, CLO & Secretary
- 10000
16 USD
1 year ago
Jan 31, 2024
Sell 172 K USD
HELEEN MARK L
EVP, CLO & Secretary
- 10000
17.1967 USD
1 year ago
Dec 14, 2023
Sell 2.86 M USD
KANE JOHN M
EVP & Group President
- 150132
19.0172 USD
1 year ago
Nov 07, 2023
Sell 170 K USD
HELEEN MARK L
EVP, CLO & Secretary
- 10000
16.9863 USD
1 year ago
Jul 31, 2023
Sell 380 K USD
HELEEN MARK L
EVP, CLO & Secretary
- 20000
19.0069 USD
2 years ago
Jan 27, 2023
Sell 218 K USD
HAUBER STEPHEN M
EVP, Chief Risk&Compliance Off
- 11351
19.1654 USD
2 years ago
Jan 03, 2023
Sell 282 K USD
KANE JOHN M
EVP & Group President
- 17006
16.5592 USD
2 years ago
Mar 31, 2022
Bought 5.4 M USD
Welker Stephen
director:
+ 315408
17.13 USD
3 years ago
Feb 03, 2022
Sell 55.8 K USD
HAUBER STEPHEN M
EVP, Chief Risk&Compliance Off
- 3161
17.665 USD
3 years ago
Jan 03, 2022
Sell 439 K USD
KANE JOHN M
EVP & Group President
- 20516
21.4054 USD
3 years ago
May 06, 2021
Sell 226 K USD
HAUBER STEPHEN M
EVP, Chief Risk&Compliance Off
- 13285
16.9742 USD
4 years ago
Aug 13, 2020
Bought 52.9 K USD
CABRAL ANNA ESCOBEDO
Director
+ 6000
8.81 USD
4 years ago
Jul 31, 2020
Bought 194 K USD
REMONDI JOHN F
Chief Executive Officer
+ 25000
7.75 USD
4 years ago
Jul 31, 2020
Bought 197 K USD
REMONDI JOHN F
Chief Executive Officer
+ 25000
7.8872 USD
4 years ago
May 13, 2020
Bought 43.3 K USD
ARNOLD FREDERICK
Director
+ 6500
6.6596 USD
4 years ago
May 06, 2020
Bought 21.8 K USD
UNGER LAURA S
Director
+ 3000
7.25 USD
4 years ago
May 04, 2020
Bought 49.1 K USD
HELEEN MARK L
EVP, CLO & Secretary
+ 7250
6.7713 USD
5 years ago
Jul 24, 2019
Sell 52.3 M USD
CANYON CAPITAL ADVISORS LLC
10 percent owner
- 3500000
14.95 USD
5 years ago
May 16, 2019
Sell 123 K USD
HAUBER STEPHEN M
EVP, Chief Risk&Compliance Off
- 9000
13.6304 USD
7 years ago
Jan 29, 2018
Sell 251 K USD
HAUBER STEPHEN M
SVP, Chief Risk&Compliance Off
- 17423
14.4025 USD
7 years ago
Oct 20, 2017
Bought 74.1 K USD
LOWN CHRISTIAN M.
EVP & Chief Financial Officer
+ 6000
12.3531 USD
7 years ago
Sep 26, 2017
Sell 433 K USD
KANE JOHN M
EVP & Group President
- 28886
15.0001 USD
7 years ago
Apr 24, 2017
Sell 86.9 K USD
SUITT GILLELAND DIANE
Director
- 5467
15.8934 USD
8 years ago
Nov 17, 2016
Sell 328 K USD
DIEFENDERFER WILLIAM M III
Director
- 18590
17.651 USD
8 years ago
Nov 14, 2016
Sell 175 K USD
SUITT GILLELAND DIANE
Director
- 10000
17.4711 USD
8 years ago
Nov 09, 2016
Sell 105 K USD
CHIVAVIBUL SOMSAK
EVP & Chief Financial Officer
- 7175
14.7 USD
8 years ago
Nov 09, 2016
Sell 38 K USD
KANE JOHN M
EVP & Group President
- 2586
14.7 USD
8 years ago
Nov 09, 2016
Sell 273 K USD
SUITT GILLELAND DIANE
Director
- 17240
15.8126 USD
8 years ago
Aug 19, 2016
Sell 231 K USD
DIEFENDERFER WILLIAM M III
Director
- 16300
14.198 USD
8 years ago
Jul 26, 2016
Sell 128 K USD
Torre Bates Ann
Director
- 9000
14.2252 USD
9 years ago
Feb 09, 2016
Bought 340 K USD
REMONDI JOHN F
Chief Executive Officer
+ 40000
8.4948 USD
9 years ago
Feb 08, 2016
Bought 364 K USD
REMONDI JOHN F
Chief Executive Officer
+ 40000
9.0931 USD
9 years ago
Feb 04, 2016
Bought 35.7 K USD
HELEEN MARK L
EVP & Chief Legal Officer
+ 3800
9.392 USD
9 years ago
Oct 30, 2015
Bought 33 K USD
LEHMAN KATHERINE A
Director
+ 2500
13.2151 USD
9 years ago
Jul 28, 2015
Bought 316 K USD
REMONDI JOHN F
Chief Executive Officer
+ 20000
15.8091 USD
9 years ago
Jul 28, 2015
Bought 3.96 K USD
REMONDI JOHN F
Chief Executive Officer
+ 250
15.8246 USD
9 years ago
May 01, 2015
Sell 5.81 K USD
HYNES TIMOTHY J IV
EVP, Chief Risk&Compliance Off
- 296
19.6445 USD
10 years ago
Feb 06, 2015
Sell 23.9 K USD
HYNES TIMOTHY J IV
Chief Risk Officer
- 1118
21.38 USD
10 years ago
Feb 06, 2015
Sell 30 K USD
KANE JOHN M
Chief Operating Officer
- 1402
21.38 USD
10 years ago
Feb 06, 2015
Sell 25.3 K USD
CHIVAVIBUL SOMSAK
Chief Financial Officer
- 1184
21.38 USD
10 years ago
Feb 04, 2015
Sell 35 K USD
KANE JOHN M
Chief Operating Officer
- 1670
20.93 USD
10 years ago
Feb 04, 2015
Sell 29.5 K USD
CHIVAVIBUL SOMSAK
Chief Financial Officer
- 1408
20.93 USD
10 years ago
Feb 04, 2015
Sell 29.4 K USD
HYNES TIMOTHY J IV
Chief Risk Officer
- 1404
20.93 USD
10 years ago
Feb 03, 2015
Sell 11.4 K USD
HYNES TIMOTHY J IV
Chief Risk Officer
- 553
20.7036 USD
10 years ago
Feb 03, 2015
Sell 35.7 K USD
KANE JOHN M
Chief Operating Officer
- 1735
20.5991 USD
10 years ago
Feb 03, 2015
Sell 20.9 K USD
CHIVAVIBUL SOMSAK
Chief Financial Officer
- 1023
20.4701 USD
10 years ago
Nov 19, 2014
Sell 491 K USD
KANE JOHN M
Chief Operating Officer
- 23767
20.6669 USD
10 years ago
Nov 07, 2014
Sell 639 K USD
SHAPIRO STEVEN L
Director
- 31575
20.25 USD
10 years ago
Aug 01, 2014
Sell 252 K USD
WILLIAMS BARRY LAWSON
Director
- 14450
17.42 USD
17 years ago
Jan 16, 2008
Bought 193 K USD
Evans Thomas R
Director
+ 50000
3.8548 USD
7. News
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 - 1 week 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 weeks 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 - 1 month 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 - 1 month 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 - 1 month 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 - 1 month 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 - 1 month ago
Decline in Non-Interest Income to Hurt Navient in Q4 Earnings NAVI's fourth-quarter 2024 earnings are likely to have been negatively impacted by declines in non-interest income and other income. zacks.com - 1 month ago
Earnings Preview: Navient (NAVI) Q4 Earnings Expected to Decline Navient (NAVI) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 1 month ago
Navient To Benefit From New Trump Administration? Analyst Turns Bullish Navient Corp NAVI ended the third quarter with an adjusted cash position of $572 million, or $5.35 per share. benzinga.com - 1 month ago
Navient to announce fourth quarter and year-end 2024 results, host earnings webcast Jan. 29 HERNDON, Va., Jan. 08, 2025 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) will host an audio webcast to review its 2024 fourth quarter and year-end financial results on Wednesday, Jan. 29, 2025, at 8:00 a.m. Eastern Time. The results are scheduled to be released the same day by 7:00 a.m. on Navient.com/investors. In addition to being available on the company's investor website, the results will be filed with the SEC on a Form 8-K available at SEC.gov. globenewswire.com - 1 month ago
Gallant Capital Acquires the Government Services Business of Navient Corporation LOS ANGELES--(BUSINESS WIRE)--Gallant Capital Partners (“Gallant”) announced that it has signed a definitive agreement to acquire 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 cent. businesswire.com - 1 month ago
8. Profile Summary

Navient Corporation NAVI

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 1.42 B
Dividend Yield 1.07%
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 4500
Officers Paul Hartwick Vice President of Corporate Communications Mr. Stephen M. Hauber Executive Vice President & Chief Administrative Officer Ms. Shanee Ben-Zur Chief Marketing Officer of Earnest Mr. Troy Standish Chief Operating Officer & Executive Vice President Ms. Judah Holland Senior Vice President of Strategic Initiatives Mr. Joe Fisher C.F.A. Executive Vice President, Chief Financial Officer & Principal Accounting Officer Mr. David L. Yowan President, Chief Executive Officer & Director Ms. Jen Earyes Head of Investor Relations Mr. Matthew R. Sheldon Senior Vice President & General Counsel Ms. Deanna Coloe Vice President & Chief Audit Officer