NAVIENT CORP (NAVI)
Financials · Consumer Finance · NASDAQ
A financial services provider specializing in student loan management, servicing, and business process outsourcing.
What NAVIENT CORP does
Navient is a financial services company primarily focused on the servicing and management of education loans. The company provides loan management, servicing, and business processing solutions for education, healthcare, and government clients.
Themes: student loan servicing, business process outsourcing, healthcare revenue cycle management
Fundamentals
- Price$8.98 as of 2026-10-20 close
- Market cap$842M as of 2026-06-30 (share count; price 2026-10-20)
- 1-year return-27.5% 2025-10-20 close $12.39 → 2026-10-20 close $8.98
- P/En/a negative earnings
- Net margin+48.3% FY2024, SEC XBRL
- ROE-3.3% FY2025, SEC XBRL
- ROICn/a No figure: it is a bank or insurer, whose operating income and debt are not what ROIC divides.
- Debt / equity18.49 borrowings, leases excluded / equity — 10-Q/10-K balance sheet 2026-06-30
- Revenue growth (YoY)-15.6% FY2024, SEC XBRL
- Revenue CAGR (3y)-18.8% SEC XBRL
- Beta1.02 as of 2026-09-03
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +6.7%; at least 14 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How NAVI compares in its sector
- net profit margintop 25% 343 covered Financials peers, as of 2026-09-03
- return on equitybottom 10% 558 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRbottom 10% 347 covered Financials peers
- indicated dividend yieldtop 10% 440 covered Financials peers, as of 2026-09-03
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, NAVI's dividend was covered by reported results (operating-cash-flow payout 14%). This describes past coverage, not a forecast.
- Earnings payoutnot assessable earnings were not positive that year
- Operating-cash-flow payout14% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
Quarterly results
| Quarter | Revenue | Net income | Diluted EPS | Operating cash flow |
|---|---|---|---|---|
| Q2 FY2026 2026-06-30 | — | $25M | $0.26 | $143M† |
| Q1 FY2026 2026-03-31 | — | $17M | $0.17 | -$47M |
| Q4 FY2025 2025-12-31 | — | -$5M† | -$0.06† | $174M† |
| Q3 FY2025 2025-09-30 | — | -$86M | -$0.87 | $70M† |
| Q2 FY2025 2025-06-30 | — | $14M | $0.13 | $126M† |
| Q1 FY2025 2025-03-31 | — | -$2M | -$0.02 | $71M |
| Q4 FY2024 2024-12-31 | $43M† | $24M† | $0.23† | $8M† |
| Q3 FY2024 2024-09-30 | $70M | -$2M | -$0.02 | -$10M† |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$770M
- Total debt$44.3B borrowings only; leases excluded
- Net debt$43.6B total debt − cash − short-term investments
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How NAVIENT CORP looks technically
NAVIENT CORP (NAVI) is trading 1.7% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 7 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 13, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 1 trading day ago (its momentum flipped negative). It made a new 20-day low about 17 trading days ago. It is 33.4% below its highest point of the past year. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 1.7% below its 200-day average, the long-term trend line — a long-term downtrend | -1.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $9.29 | $9.29 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $9.14 | $9.14 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 21 calendar days ago — the swings before that are what the structure reading is measured on | 21 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes below 8.75. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible upward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 7 trading days ago — a "golden cross", a bullish long-term signal | 7 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 13, below the 25 that marks a real trend) | 12.6 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30) | 44.5 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($8.82 to $9.73) — its "stochastic" reading is 18 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 17.6 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 1 trading day ago (its momentum flipped negative) | 1 session |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $13.48 | $13.48 |
|---|---|---|
| From the 52-week high | it is 33.4% below its 52-week high (its highest price of the past year) | -33.4% |
| Above the 52-week low | it is 22.5% above its 52-week low (its lowest price of the past year) | +22.5% |
| Below the 52-week high | it is 33.4% below its highest point of the past year | 33.4% |
| Since a 20-day breakout | it made a new 20-day low about 17 trading days ago | 17 sessions |
| Since a 55-day breakout | it made a new 55-day high about 26 trading days ago | 26 sessions |
| All-time high | its highest closing price on record is $23.80 (set on 2021-09-17) | $23.80 |
| Given back of the 52-week move | over the past year its closes ranged ($7.44 to $13.28), and it has recovered roughly a quarter of its fall from last year’s high — 26% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $11.05 to $11.24. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 26.4% |
| From the all-time high | it is 62.3% below its all-time high | -62.3% |
| Nearest price level | it is trading 2.2% above a support level at $8.78 — a price it turned at five times since 2026-04-08, most recently on 2026-10-07. Since 2024-10-21 it has 2 such levels below the current price and 9 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -2.2% |
| All-time low | its lowest closing price on record is $4.07 (set on 2020-03-18) | $4.07 |
| Above the all-time low | it is 120.6% above its all-time low | +120.6% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move | 0th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.3427 between its high and its low — about 3.8% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.3427 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $8.83 and $9.48 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $8.83 – $9.16 – $9.48 |
| Typical daily range (% of price) | its price moves about 3.8% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.8% |
| Stretch from the 200-day average | it is trading 0.5 daily ranges below its 200-day average price (1.7% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.5 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.99× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 0.8% since the prior reading | +0.8% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a bearish engulfing | 2 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 2 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-10-20 0.1% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.1% |
|---|---|---|
| Gap filled | a 2.2% gap down opened on 2026-09-04 has been "filled" 31 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 31 sessions ago |
Price streaks
1
| Closing streak | it has closed lower 3 sessions in a row, a -6.07% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 3 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 6.5 percentage points (the stock lost 5.6% while the market gained 1.0%) | -6.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 0.3 percentage points (the stock gained 3.9% while the market gained 3.6%) | +0.3% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 8.8 percentage points (the stock lost 0.3% while the market gained 8.5%) | -8.8% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 42.1 percentage points (the stock lost 27.5% while the market gained 14.6%) | -42.1% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-14 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 4.3% of the share price. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 1% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $9.08 — a volume-weighted average of daily closes over 199 sessions, not a true tick-by-tick VWAP. | -1.1% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-08-06 (its 8-K), so the typical buyer over that stretch is under water. That average is $9.30 — a volume-weighted average of daily closes over 53 sessions, not a true tick-by-tick VWAP. | -3.4% |
Price levels it has turned at before
NAVI last closed at $8.98 on 2026-10-20. Since 2024-10-21 it has turned at 2 prices below its last close and 9 above; the 2 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $8.78 | Support | 2.2% below the last close | turned there five times · 2026-04-08 to 2026-10-07 |
| $9.84 | Resistance | 9.5% above the last close | turned there twice · 2026-04-29 to 2026-09-04 |
| $7.84 | Support | 12.7% below the last close | turned there four times · 2026-03-13 to 2026-06-22 |
| $11.88 | Resistance | 32.3% above the last close | turned there twice · 2025-10-10 to 2026-01-20 |
| $12.13 | Resistance | 35.1% above the last close | turned there twice · 2025-08-05 to 2025-12-09 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes below $8.75.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $10.51 and $11.60 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close below $8.75.
This reading has stood for 11 trading days, since 2026-10-06.
Read from daily closes as of 2026-10-20.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Trading below the 50-day moving average · Recent golden cross (50-day crossed above 200-day) · Pulled back from the 12-month high · MACD just crossed bearish (12/26/9) · in a Bollinger Band volatility squeeze | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low · bollinger bands
Based on daily closing prices as of 2026-10-20. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (3.29 mean, 1=Strong Buy…5=Strong Sell) — 7 analysts
- Mean price target$9.00 range $7.00 – $13.00; median $8.50
Analyst estimates, as of 2026-10-17. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for NAVI
- Consensus EPS estimate$0.1328 next reporting period, as of 2026-10-17
- Estimate change, 30 days+$0.04582 from $0.08693, on 2026-09-12, 35-day window
- Readings revised upward33% of 9 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Significant regulatory and legal risks surrounding student loan servicing practices.","High sensitivity to interest rate fluctuations and changing government student loan policy."]
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for NAVI — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding NAVI as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 18,678,786
- Reported value $158,956,472
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about NAVI's institutional holders → See what each manager we track holds →
Short interest (FINRA)
NAVI had 11,585,607 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
NAVI had 12.4% of its shares outstanding sold short as of the 2026-09-30 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.67 days to cover at the same settlement.
- Reported short interest (shares) 11,585,607
- Short interest (% of shares outstanding) 12.4%
- Prior settlement (shares) 12,000,615
- Reported change -3.46%
- Days to cover (reported) 6.67
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- SLM Corporation (SLM)
- Nelnet (NNI)
- SoFi Technologies (SOFI)
- Discover Financial Services (DFS)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does NAVIENT CORP (NAVI) do?
Navient is a financial services company primarily focused on the servicing and management of education loans. The company provides loan management, servicing, and business processing solutions for education, healthcare, and government clients.
What sector is NAVIENT CORP (NAVI) in?
NAVIENT CORP (NAVI) is classified in the Financials sector. Its industry is Consumer Finance. It trades on NASDAQ.
Does NAVI pay a dividend?
Yes — NAVIENT CORP (NAVI) pays a dividend, with an indicated yield of about 6.73% and at least 14 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-03). Informational only — not financial advice.
Who are NAVIENT CORP's (NAVI) competitors?
Notable peers of NAVIENT CORP (NAVI) include SLM Corporation, Nelnet, SoFi Technologies and Discover Financial Services. This peer set is informational only — not financial advice.
Is NAVIENT CORP (NAVI) overbought or oversold right now?
NAVIENT CORP (NAVI) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 45, in the neutral middle (as of 2026-10-20). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on NAVI come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-20.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.