logo
Twitter
Discord
Email
logo
Navient Corporation

Navient Corporation

NASDAQ•NAVI
CEO: Mr. David L. Yowan
Sector: Financial Services
Industry: Financial - Credit Services
Listing Date: 2014-04-17
Navient Corporation provides technology-enabled education finance and business processing solutions for education, health care, and government clients 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 on its portfolios, as well as federal education loans held by other institutions. It also owns, originates, and services refinance and in-school private education loans; and offers business processing solutions, such as omnichannel contact center, workflow processing, and revenue cycle optimization services to federal agencies, state governments, tolling and parking authorities, other public sector clients, as well as hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments. In addition, the company provides corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.
Contact Information
13865 Sunrise Valley Drive, Herndon, VA, 20171, United States
703-810-3000
www.navient.com
Market Cap
$1.21B
P/E (TTM)
-23.7
23.4
Dividend Yield
5.3%
52W High
$16.07
52W Low
$10.53
52W Range
27%
3.0
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$781.00M-21.82%
4-Quarter Trend

EPS

-$0.87+4602.70%
4-Quarter Trend

FCF

$70.00M-800.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Federal Loan Income Up Federal Education Loans segment Core Net Income reached $35M, marking a 30% increase compared to $27M year ago.
Private Loan Originations Surge Private Education Loan originations totaled $788M this quarter, reflecting a strong 58% increase over the prior period.
Headcount Reduction Progress Headcount reduced by over 80% since early 2024 following strategic simplification actions and business divestitures.
Capital Returned $42M Total capital returned to shareholders was $42M via $26M in repurchases and $16M in dividends paid this quarter.

Risk Factors

GAAP Net Loss Widens GAAP net loss for the quarter was $(86)M, significantly worse than the $(2)M loss reported in the prior year.
Consumer Lending Core Loss Consumer Lending segment swung to a Core Earnings net loss of $(76)M, compared to $27M earnings last year.
Loan Loss Provisions Spike Total provision for loan losses increased to $168M, substantially higher than the $42M provision recorded in Q3 2024.
FFELP Prepayments Decline FFELP Loan prepayments dropped sharply to $268M versus $1.0B year ago, impacting net interest income dynamics.

Outlook

New Share Repurchase Authorized Board authorized a new $100M share repurchase program, effective immediately, supplementing existing authorization.
Private Loan Growth Focus Executing on enhancing Private Education Loan originations, aiming for high-quality originations generating targeted returns.
Anticipate Private Loan Demand Federal legislation changes are anticipated to drive increased demand for private in-school graduate loan originations.
Debt Maturities Managed Funding ongoing needs using cash flow, unencumbered assets, and planning to address $0.5B unsecured notes maturing soon.

Peer Comparison

Revenue (TTM)

Navient CorporationNAVI
$3.39B
-25.5%
EZCORP, Inc.EZPW
$1.23B
+8.3%
ProAssurance CorporationPRA
$1.12B
-2.5%

Gross Margin (Latest Quarter)

World Acceptance CorporationWRLD
99.4%
-89783.2 pp
Guild Holdings CompanyGHLD
96.6%
-125.9 pp
Navient CorporationNAVI
95.9%
+19.4 pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
QCRH$1.29B10.611.7%0.0%
GHLD$1.24B47.92.1%65.9%
PRA$1.23B25.33.9%0.3%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-7.2%
Growth Under Pressure
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Oct 29, 2025|
    Revenue: $781.00M-21.8%
    |
    EPS: $-0.87+4602.7%
    Miss

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Jul 30, 2025|
    Revenue: $806.00M-26.1%
    |
    EPS: $0.14-56.3%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: Apr 30, 2025|
    Revenue: $828.00M-28.7%
    |
    EPS: $-0.02-103.0%
    Miss

  • Form 10-K/A - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 4, 2025|
    Revenue: $4.23B-13.9%
    |
    EPS: $1.20-35.8%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 27, 2025|Refer to amended data

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Oct 30, 2024|
    Revenue: $999.00M-14.6%
    |
    EPS: $-0.02-102.8%
    Miss

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Jul 24, 2024|
    Revenue: $1.09B-9.7%
    |
    EPS: $0.32-39.6%
    Miss

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: Apr 24, 2024|
    Revenue: $1.16B-1.3%
    |
    EPS: $0.65-24.4%
    Beat