/NAVI
NAVI Stock - Navient Corporation
Financial Services|Financial - Credit ServicesNASDAQ
$13.08-1.51%
$0.20 (-1.51%) • Dec 19
74
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.BUY
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.61
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).100
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.68
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+26.1%upside
Target: $16.49
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ENTRY ZONE$12.95 – $13.21
TARGET (TP)$16.50
STOP LOSS$12.03
RISK/REWARD1:3.3
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta1.31
52W High$16.07
52W Low$10.53
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $4.23B | $4.84B | $3.84B | $3.53B | $3.73B |
| Gross Profit | $848.00M | $1.16B | $1.66B | $2.27B | $1.53B |
| Gross Margin | 20.0% | 23.9% | 43.2% | 64.4% | 41.1% |
| Operating Income | $174.00M | $313.00M | $827.00M | $936.00M | $532.00M |
| Net Income | $131.00M | $228.00M | $645.00M | $717.00M | $412.00M |
| Net Margin | 3.1% | 4.7% | 16.8% | 20.3% | 11.0% |
| EPS | $1.20 | $1.87 | $4.54 | $4.22 | $2.13 |
Company Overview
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.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
1
10%
Hold / Neutral
7
70%
Sell / Underperform
2
20%
Analyst Consensus🔴 Bearish
1 Bullish9 Neutral/Bearish
Price Targets
$16
Average Target
↑ 19.9% Upside
Now
$12
Low
$16
Average
$18
High
Based on 14 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| September 4th 2025 | BofA Securities | Downgrade | Underperform | $12 |
| January 21st 2025 | Seaport Research Partners | Upgrade | Buy | $18 |
| September 30th 2024 | BofA Securities | Initiation | Neutral | $17 |
| April 3rd 2024 | JP Morgan | Upgrade | Neutral | $17← $18 |
| January 10th 2024 | Deutsche Bank | Initiation | Hold | - |
| January 10th 2024 | Barclays | Downgrade | Underweight | $14← $17 |
| January 8th 2024 | TD Cowen | Downgrade | Underperform | $15← $17 |
| January 2nd 2024 | Stephens | Downgrade | Underweight | $16 |
| November 15th 2023 | Barclays | Initiation | Equal Weight | $17 |
| November 9th 2023 | Jefferies | Downgrade | Hold | $16← $22 |
| November 1st 2023 | TD Cowen | Initiation | Market Perform | $17 |
| December 1st 2022 | Morgan Stanley | Upgrade | Equal Weight | $16← $14 |
| October 7th 2022 | Morgan Stanley | Initiation | Underweight | $14.5 |
| September 9th 2022 | Barclays | Downgrade | Equal Weight | $13← $19 |
| April 11th 2022 | JP Morgan | Downgrade | Underweight | $17← $21 |
Earnings History & Surprises
NAVIBeat Rate
56%
Last 18 quarters
Avg Surprise
-1.0%
EPS vs Estimate
Beats / Misses
10/8
Last 12 quarters
Latest EPS
$0.29
Q4 2025
EPS Surprise History
Q1 24
-9.1%
$0.70vs$0.77
Q2 24
-19.0%
$0.47vs$0.58
Q3 24
+14.3%
$0.48vs$0.42
Q4 24
+21.7%
$0.28vs$0.23
Q1 25
-3.8%
$0.25vs$0.26
Q2 25
+47.4%
$0.28vs$0.19
Q3 25
-22.2%
$0.21vs$0.27
Q4 25
+61.1%
$0.29vs$0.18
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 28, 2026 | — | — | — | — |
Q1 2026 | Feb 4, 2026 | $0.31 | — | — | — |
Q4 2025 | Oct 29, 2025 | $0.18 | $0.29 | +61.1% | ✓ BEAT |
Q3 2025 | Jul 30, 2025 | $0.27 | $0.21 | -22.2% | ✗ MISS |
Q2 2025 | Apr 30, 2025 | $0.19 | $0.28 | +47.4% | ✓ BEAT |
Q1 2025 | Jan 29, 2025 | $0.26 | $0.25 | -3.8% | ✗ MISS |
Q4 2024 | Oct 30, 2024 | $0.23 | $0.28 | +21.7% | ✓ BEAT |
Q3 2024 | Jul 24, 2024 | $0.42 | $0.48 | +14.3% | ✓ BEAT |
Q2 2024 | Apr 24, 2024 | $0.58 | $0.47 | -19.0% | ✗ MISS |
Q1 2024 | Jan 31, 2024 | $0.77 | $0.70 | -9.1% | ✗ MISS |
Q4 2023 | Oct 25, 2023 | $0.81 | $0.84 | +3.7% | ✓ BEAT |
Q3 2023 | Jul 26, 2023 | $0.76 | $0.70 | -7.9% | ✗ MISS |
Q2 2023 | Apr 26, 2023 | $0.83 | $1.02 | +22.9% | ✓ BEAT |
Q1 2023 | Jan 24, 2023 | $0.83 | $0.76 | -8.4% | ✗ MISS |
Q4 2022 | Oct 25, 2022 | $0.79 | $0.62 | -21.5% | ✗ MISS |
Q3 2022 | Jul 26, 2022 | $0.78 | $0.91 | +16.7% | ✓ BEAT |
Q2 2022 | Apr 26, 2022 | $0.76 | $0.90 | +18.4% | ✓ BEAT |
Q1 2022 | Jan 25, 2022 | $0.85 | $-0.43 | -150.6% | ✗ MISS |
Q4 2021 | Oct 26, 2021 | $0.82 | $0.89 | +8.5% | ✓ BEAT |
Q3 2021 | Jul 27, 2021 | $0.85 | $0.94 | +10.6% | ✓ BEAT |
Latest News
Navient To Host Audio Webcast To Provide Update On Phase 2 Of Strategic Transformation Progress And Discuss Growth Strategy For Earnest Business On Nov. 19, At 11:00 A.M. ET
📈 PositiveBenzinga•Nov 12, 2025, 02:21 PM
JP Morgan Maintains Neutral on Navient, Lowers Price Target to $12.5
➖ NeutralBenzinga•Oct 30, 2025, 09:47 PM
Navient shares are trading lower after the company reported worse-than-expected Q3 sales results.
📉 NegativeBenzinga•Oct 29, 2025, 04:49 PM
Navient Sees Q4 Adj EPS $0.30-$0.35 vs $0.34 Est
📉 NegativeBenzinga•Oct 29, 2025, 12:01 PM
Navient Q3 2025 Adj. EPS $(0.84) May Not Be Comparable To $0.18 Estimate, Sales $146.00M Miss $156.436M Estimate
📉 NegativeBenzinga•Oct 29, 2025, 10:35 AM
JP Morgan Maintains Neutral on Navient, Lowers Price Target to $14
➖ NeutralBenzinga•Oct 7, 2025, 12:04 PM•Also:
Politico Reported Trump Administration Officials Exploring Sale Of Parts Of Federal Government's $1.6T Student Loan Portfolio To Private Market
📈 PositiveBenzinga•Oct 7, 2025, 09:09 AM•Also: , ,
Keefe, Bruyette & Woods Maintains Market Perform on Navient, Lowers Price Target to $14.5
📉 NegativeBenzinga•Oct 1, 2025, 05:03 PM
Frequently Asked Questions about NAVI
What is NAVI's current stock price?
Navient Corporation (NAVI) is currently trading at $13.08 per share. The stock has moved -1.51% today.
What is the analyst price target for NAVI?
The average analyst price target for NAVI is $16.50, based on 1 analyst.
What sector is Navient Corporation in?
Navient Corporation operates in the Financial Services sector, specifically within the Financial - Credit Services industry. The company is traded on the NASDAQ exchange.
What is NAVI's market cap?
Navient Corporation has a market capitalization of $1.32 billion, making it a small-cap company.
Does NAVI pay dividends?
No, Navient Corporation does not currently pay a dividend to shareholders.
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