Price Alert

Navient Corporation (NAVI)

NASDAQ: NAVI · Real-Time Price · USD

12.83

-0.02 (-0.16%)

At close: Sep 26, 2025, 3:59 PM

12.83

0.00%

After-hours: Sep 26, 2025, 04:10 PM EDT

Navient Statistics

Share Statistics

Navient has 99.43M shares outstanding. The number of shares has increased by -7.55% in one year.

Shares Outstanding	99.43M
Shares Change (YoY)	-7.55%
Shares Change (QoQ)	-1.1%
Owned by Institutions (%)	98.62%
Shares Floating	96.97M
Failed to Deliver (FTD) Shares	138,375
FTD / Avg. Volume	14.74%

Short Selling Information

The latest short interest is 7.34M, so 7.34% of the outstanding shares have been sold short.

Short Interest	7.34M
Short % of Shares Out	7.34%
Short % of Float	29.56%
Short Ratio (days to cover)	8.95

Valuation Ratios

The PE ratio is 11.06 and the forward PE ratio is 9.88. Navient's PEG ratio is -0.31.

PE Ratio	11.06
Forward PE	9.88
PS Ratio	0.38
Forward PS	2
PB Ratio	0.55
P/FCF Ratio	3.16
PEG Ratio	-0.31

Financial Ratio History

Enterprise Valuation

Navient has an Enterprise Value (EV) of 49.04B.

EV / Sales	12.88
EV / EBITDA	14.15
EV / EBIT	106.85
EV / FCF	106.85

Financial Position

The company has a current ratio of 0.41, with a Debt / Equity ratio of 18.3.

Current Ratio	0.41
Quick Ratio	0.41
Debt / Equity	18.3
Debt / EBITDA	13.94
Debt / FCF	105.27
Interest Coverage	0.86

Financial Efficiency

Return on Equity is 4.96% and Return on Invested Capital is 83.38%.

Return on Equity	4.96%
Return on Assets	0.25%
Return on Invested Capital	83.38%
Revenue Per Employee	$1.81M
Profits Per Employee	$62.38K
Employee Count	2,100
Asset Turnover	0.07
Inventory Turnover	n/a

Taxes

Income Tax	43M
Effective Tax Rate	24.71%

Stock Price Statistics

The stock price has increased by -16.8% in the last 52 weeks. The beta is 1.37, so Navient's price volatility has been higher than the market average.

Beta	1.37
52-Week Price Change	-16.8%
50-Day Moving Average	13.25
200-Day Moving Average	13.43
Relative Strength Index (RSI)	40.91
Average Volume (20 Days)	938,490

Income Statement

In the last 12 months, Navient had revenue of 3.81B and earned 131M in profits. Earnings per share was 1.2.

Revenue	3.81B
Gross Profit	3.49B
Operating Income	2.81B
Net Income	131M
EBITDA	3.47B
EBIT	3.32B
Earnings Per Share (EPS)	1.2

Full Income Statement

Balance Sheet

The company has 722M in cash and 48.32B in debt, giving a net cash position of -47.6B.

Cash & Cash Equivalents	722M
Total Debt	48.32B
Net Cash	-47.6B
Retained Earnings	4.7B
Total Assets	50.22B
Working Capital	-2.67B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 459M and capital expenditures 0, giving a free cash flow of 459M.

Operating Cash Flow	459M
Capital Expenditures	n/a
Free Cash Flow	459M
FCF Per Share	4.21

Full Cash Flow Statement

Margins

Gross margin is 91.7%, with operating and profit margins of 73.85% and 3.44%.

Gross Margin	91.7%
Operating Margin	73.85%
Pretax Margin	4.57%
Profit Margin	3.44%
EBITDA Margin	91.02%
EBIT Margin	73.85%
FCF Margin	12.05%

Dividends & Yields

NAVI pays an annual dividend of $0.8, which amounts to a dividend yield of 4.66%.

Dividend Per Share	$0.80
Dividend Yield	4.66%
Dividend Growth (YoY)	0%
Payout Ratio	250%
Earnings Yield	9.04%
FCF Yield	31.69%

Dividend Details

Analyst Forecast

The average price target for NAVI is $14, which is 9.1% higher than the current price. The consensus rating is "Hold".

Price Target	$14
Price Target Difference	9.1%
Analyst Consensus	Hold
Analyst Count	8

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$6
Lynch Upside	-53.23%
Graham Number	25.6
Graham Upside	99.53%

Scores

Altman Z-Score	0.29
Piotroski F-Score	7