Navient Corporation
NASDAQ•NAVI
CEO: Mr. David L. Yowan
セクター: Financial Services
業種: Financial - Credit Services
上場日: 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.
連絡先情報
時価総額
$789.24M
PER (TTM)
-9.0
21.1
配当利回り
7.5%
52週高値
$16.07
52週安値
$8.01
52週レンジ
順位52Top 73.5%
2.9
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 2.9 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$761.00M-22.11%
直近4四半期の推移
EPS
-$0.06-126.09%
直近4四半期の推移
フリーCF
$174.00M+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
Private Loan Originations Surge Private Education Loan originations increased 77% in 2025, reaching $2.5B compared to $1.4B prior year.
Federal Loan Segment Income Rises Federal Education Loans segment Core Earnings grew 10% to $115M in 2025, up from $105M in 2024.
Capital Returned to Shareholders Total capital returned reached $174M in 2025, comprising $63M dividends and $111M common stock repurchases.
Equity Ratio Remains Strong Adjusted Tangible Equity Ratio measured 9.1% as of December 31, 2025, supporting capital allocation decisions.
リスク要因
Loan Loss Provision Spikes Provision for loan losses increased $167M to $280M in 2025, driven by elevated delinquency balances and outlook.
GAAP Results Show Net Loss GAAP basis reported a net loss of $80M in 2025, a reversal from $131M net income recorded in 2024.
FFELP Prepayments Decline Sharply FFELP Loan prepayments fell 82% to $977M in 2025 from $5.4B in 2024, impacting premium amortization.
Private Loan Delinquency Rises Private Education Loan delinquencies greater than 90 days increased to 2.9% of loans in repayment status.
見通し
Expense Base Significantly Reduced Achieved and exceeded $400M expense reduction objective through strategic streamlining and divestitures completed in 2025.
Focus on Private Loan Growth Executing strategy to enhance growth business value via high-quality Private Education Loan originations targeting returns.
New Share Repurchase Authorized Board authorized a new $100M share repurchase program in October 2025, with full amount remaining available.
FFELP Portfolio Expected Wind-Down Federal Education Loans segment is expected to wind down over time as the portfolio amortizes under current policies.
同業比較
売上高 (TTM)
$4.43B
$3.20B
$1.34B
粗利益率 (最新四半期)
91.5%
89.3%
88.4%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| BFC | $1.53B | 18.8 | 11.3% | 2.8% |
| EZPW | $1.49B | 12.5 | 12.5% | 38.5% |
| DCOM | $1.40B | 12.6 | 7.7% | 2.4% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-2.8%
横ばい
4四半期純利益CAGR
N/M
収益構造の変化
キャッシュフロー安定性
100%
優れたキャッシュフローの実績
深度リサーチ
次回決算:2026年4月28日
EPS:-
|売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし