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Financial Services - Financial - Credit Services - NASDAQ - US
$ 13.92
0.651 %
$ 1.49 B
Market Cap
18.32
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jan, 18, 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 Jan, 18, 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 Jan, 18, 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%
0.42% ROIC
0.42%
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 22.13%
NAVI Average Price Target Wall Street Target
17 USD 22.13%
NAVI Highest Price Target Wall Street Target
17 USD 22.13%
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
150 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
160 K USD 1
9-12 MONTHS
172 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
2 months ago
Nov 06, 2024
Sell 150 K USD
HAUBER STEPHEN M
EVP & Chief Admin Officer
- 10000
15 USD
8 months ago
May 03, 2024
Sell 160 K USD
HELEEN MARK L
EVP, CLO & Secretary
- 10000
16 USD
11 months 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
1 year 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
2 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
6 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
8 years ago
Feb 09, 2016
Bought 340 K USD
REMONDI JOHN F
Chief Executive Officer
+ 40000
8.4948 USD
8 years ago
Feb 08, 2016
Bought 364 K USD
REMONDI JOHN F
Chief Executive Officer
+ 40000
9.0931 USD
8 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
9 years ago
Feb 06, 2015
Sell 23.9 K USD
HYNES TIMOTHY J IV
Chief Risk Officer
- 1118
21.38 USD
9 years ago
Feb 06, 2015
Sell 30 K USD
KANE JOHN M
Chief Operating Officer
- 1402
21.38 USD
9 years ago
Feb 06, 2015
Sell 25.3 K USD
CHIVAVIBUL SOMSAK
Chief Financial Officer
- 1184
21.38 USD
9 years ago
Feb 04, 2015
Sell 35 K USD
KANE JOHN M
Chief Operating Officer
- 1670
20.93 USD
9 years ago
Feb 04, 2015
Sell 29.5 K USD
CHIVAVIBUL SOMSAK
Chief Financial Officer
- 1408
20.93 USD
9 years ago
Feb 04, 2015
Sell 29.4 K USD
HYNES TIMOTHY J IV
Chief Risk Officer
- 1404
20.93 USD
9 years ago
Feb 03, 2015
Sell 11.4 K USD
HYNES TIMOTHY J IV
Chief Risk Officer
- 553
20.7036 USD
9 years ago
Feb 03, 2015
Sell 35.7 K USD
KANE JOHN M
Chief Operating Officer
- 1735
20.5991 USD
9 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
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 week ago
Navient Stock Reaches 52-Week Low: What Should Investors Do Now? NAVI's muted top-line growth, along with high debt levels, poses near-term concerns for the stock. Yet, the Fed's rate cuts may offer some support. zacks.com - 2 weeks ago
Navient to Divest Its Government Services Unit to Gallant Capital NAVI's agreement to divest its Government Services business will enable it to focus on its core operations in education finance and business processing solutions. zacks.com - 3 weeks ago
Navient to sell Government Services business to Gallant Capital HERNDON, Va., Dec. 23, 2024 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) announced today that it has reached an agreement to sell its Government Services business to an affiliate of Gallant Capital Partners, LLC, a Los Angeles-based investment firm. globenewswire.com - 3 weeks ago
Why Is Navient (NAVI) Up 7.7% Since Last Earnings Report? Navient (NAVI) reported earnings 30 days ago. What's next for the stock? zacks.com - 1 month ago
Navient declares fourth quarter common stock dividend HERNDON, Va., Nov. 13, 2024 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) announced that its board of directors approved a 2024 fourth quarter dividend of $0.16 per share on the company's common stock. globenewswire.com - 2 months ago
Navient Receives Champion of Board Diversity Recognition by The Forum of Executive Women HERNDON, Va., Nov. 12, 2024 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) has been recognized by The Forum of Executive Women as a Champion of Board Diversity. This award annually honors the top public companies in the Philadelphia region with boards comprised of at least 30% women. globenewswire.com - 2 months ago
Is the Options Market Predicting a Spike in Navient (NAVI) Stock? Investors need to pay close attention to Navient (NAVI) stock based on the movements in the options market lately. zacks.com - 2 months ago
Navient Corporation (NAVI) Q3 2024 Earnings Call Transcript Navient Corporation (NASDAQ:NAVI ) Q3 2024 Results Conference Call October 30, 2024 8:00 AM ET Company Participants Jen Earyes - IR David Yowan - CEO Joe Fisher - CFO Conference Call Participants Bill Ryan - Seaport Research Partners Sanjay Sakhrani - KBW Rick Shane - JPMorgan Mark DeVries - Deutsche Bank Terry Ma - Barclays Moshe Orenbuch - TD Cowen Nate Richam - Bank of America Jeff Adelson - Morgan Stanley Ryan Shelly - Bank of America Operator Good day, and thank you for standing by. Welcome to the Navient Third Quarter 2024 Earnings Call. seekingalpha.com - 2 months ago
Navient Q3 Earnings Beat Estimates, NII & Provisions Decline Y/Y A surge in other income and a decline in provisions support NAVI's Q3 2024 results. Lower NII and higher expenses are headwinds. zacks.com - 2 months ago
Navient (NAVI) Reports Q3 Earnings: What Key Metrics Have to Say Although the revenue and EPS for Navient (NAVI) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 months ago
Navient (NAVI) Q3 Earnings Beat Estimates Navient (NAVI) came out with quarterly earnings of $0.28 per share, beating the Zacks Consensus Estimate of $0.23 per share. This compares to earnings of $0.84 per share a year ago. zacks.com - 2 months ago
8. Profile Summary

Navient Corporation NAVI

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 1.49 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 Mr. Stephen M. Hauber Executive Vice President & Chief Administrative Officer Mr. Troy Standish Chief Operating Officer & Executive Vice President Ms. Judah Holland Senior Vice President of Strategic Initiatives Ms. Deanna Coloe Vice President & Chief Audit Officer Paul Hartwick Vice President of Corporate Communications Ms. Shanee Ben-Zur Chief Marketing Officer of Earnest Ms. Jen Earyes Head of Investor Relations Mr. Joe Fisher C.F.A. Executive Vice President, Chief Financial Officer & Principal Accounting Officer Mr. Matthew R. Sheldon Senior Vice President & General Counsel Mr. David L. Yowan President, Chief Executive Officer & Director