NAVIENT CORP (NAVI)
Financials · Student loan servicing and portfolio management · NASDAQ
Navient services federal student loans and earns revenue through interest rate spreads, but faces significant headwinds from regulatory changes and declining profitability.
What NAVIENT CORP does
Navient is a financial services company that manages and services federal family education loans (FFELP), including Stafford loans, PLUS loans, and consolidation loans. The company originates, acquires, and services student loans, earning revenue through interest rate spreads and servicing fees. Navient primarily operates in the education finance sector, managing a portfolio of guaranteed federal education loans and providing related loan servicing, collections, and administrative services.
Themes: ["Student loan servicing","Federal education finance","Interest rate spread trading","Loan portfolio management"]
Fundamentals
- Price$8.03 as of 2026-07-09 close
- Market cap$759M as of 2026-07-10
- 1-year return-47.2% as of 2026-07-09 close
- Net margin-11.6% as of 2026-07-10
- Gross margin+109.6% as of 2026-07-10
- ROE-2.5% as of 2026-07-10
- Debt / equity18.96 as of 2026-07-10
- Revenue growth (YoY)-29.1% as of 2026-07-10
- Revenue CAGR (3y)-18.8% SEC XBRL
- Beta1.19 as of 2026-07-10
Dividend: yield +7.9%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Revenue decline of 29.1% YoY and negative net margin of -11.56% indicate severe operational deterioration and unprofitability","Dependence on federal education loan programs; regulatory changes or discontinuation of FFELP program could materially impact business","Interest rate risk: Floor Income earnings are sensitive to declining interest rates, creating earnings volatility"]
Competitors & peers
- Nelnet (NELNET)
- MOHELA (Missouri Higher Education Loan Authority)
- Great Lakes Higher Education Guaranty Corporation
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.