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Navient Corporation

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
13865 Sunrise Valley Drive, Herndon, VA, 20171, United States
703-810-3000
www.navient.com
時価総額
$924.36M
PER (TTM)
-10.0
22.3
配当利回り
6.8%
52週高値
$16.07
52週安値
$9.15
52週レンジ
5%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

Lufax Holding LtdLU
$4.43B
-11.7%
Navient CorporationNAVI
$3.20B
-24.5%
EZCORP, Inc.EZPW
$1.34B
+13.1%

粗利益率 (最新四半期)

Republic Bancorp, Inc.RBCAA
100.0%
+6.8pp
Guild Holdings CompanyGHLD
91.5%
+130.3pp
Navient CorporationNAVI
88.4%
+316.6pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
BFC$1.65B20.28.1%2.8%
QCRH$1.57B12.311.9%0.0%
DCOM$1.56B13.87.7%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
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月28日
|
EPS:-
|
売上高:-
財務レポート
財務データ
ニュース
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年10月29日|
    売上高: $800.00M-20.4%
    |
    EPS: $-0.87+4602.7%
    予想を下回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年7月30日|
    売上高: $806.00M-26.1%
    |
    EPS: $0.14-56.3%
    予想を下回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年4月30日|
    売上高: $828.00M-28.7%
    |
    EPS: $-0.02-103.0%
    予想を下回る

  • Form 10-K/A - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月4日|
    売上高: $4.23B-12.4%
    |
    EPS: $1.20-35.8%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月27日|修正版データを参照

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年10月30日|
    売上高: $1.01B-22.8%
    |
    EPS: $-0.02-102.8%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年7月24日|
    売上高: $1.09B-11.1%
    |
    EPS: $0.32-39.6%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年4月24日|
    売上高: $1.16B+0.3%
    |
    EPS: $0.65-24.4%
    予想を上回る