Stocks · Financial Services · Financial - Credit Services
Navient Corporation SR NT 6% 121543 JSM
$16.53 -1.14% Close, Oct 5, 2026 · NASDAQ · Market cap $4.58B
High qualityWeak trend
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin narrowed to 83.2% from 153.0% a year earlier.
- Net debt is 3.9× EBITDA, a high level of leverage.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 29%
- FCF growth (TTM, YoY)Top 23%
- Revenue growth, 3-year CAGRTop 23%
- Revenue growth accelerationBottom 3%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 1%
- Gross marginTop 3%
- Operating marginTop 1%
- Accruals (lower is better)Top 35%
- Net debt / EBITDA (lower is better)Bottom 31%
- Interest coverTop 49%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 10%
- Free-cash-flow yieldBottom 46%
- EBITDA / enterprise valueTop 41%
- Sales / enterprise valueTop 31%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 17%
- 6-month returnBottom 11%
- 1-year return vs S&P 500Bottom 17%
- Distance from 52-week highBottom 24%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Upside to consensus price targetBottom 22%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 23%
- Maximum drawdown, 3 yearsTop 32%
- Beta vs S&P 500 (lower is better)Top 28%
- Net debt / EBITDA (lower is better)Bottom 31%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 52.3% | 15.5% | ↓ |
| Gross margin | 192.0% | 95.8% | ↓ |
| Operating margin | 153.0% | 83.2% | ↓ |
| FCF margin | 7.8% | 11.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 15.5% | 52.3% | ↓ | Top 29% |
| Gross margin | 95.8% | 192.0% | ↓ | Top 3% |
| Operating margin | 83.2% | 153.0% | ↓ | Top 1% |
| Net margin | -1.7% | 1.4% | ↓ | — |
| Free-cash-flow margin | 11.7% | 7.8% | ↑ | — |
| Return on invested capital | 88.7% | — | Top 1% | |
| Revenue growth, 3-year CAGR | 23.3% | — | Top 23% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 3.94×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.35%
- Net buyback yield (TTM)
- 1.70%
- Shareholder yield
- 2.05%
- Share count change, 1 year
- -5.0%
- Share count change, 3-year CAGR
- -8.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- -0.5%
- Positive 20 days after report
- 1 of 5
Analysts
- Consensus price target
- $17.50
- Target vs current price
- +5.9%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Apr 28, 2026 | — | -0.8% | -0.5% | -1.3% | -6.6% |
| Feb 26, 2026 | — | -0.2% | -0.5% | -8.1% | -5.8% |
| Dec 31, 2023 | — | -1.2% | -2.3% | -1.6% | -1.0% |
| Sep 30, 2023 | — | +0.0% | -2.7% | +1.7% | +19.5% |
| Jun 30, 2023 | — | -0.6% | -2.0% | -2.0% | -10.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Apr 28, 2026 | $0.18 | — | — | $695.0M |
| Feb 26, 2026 | -$0.05 | — | — | $746.0M |
| Dec 31, 2023 | -$0.23 | — | — | $1.08B |
| Sep 30, 2023 | $0.66 | — | — | $1.17B |
| Jun 30, 2023 | $0.53 | — | — | $1.10B |
| Dec 31, 2022 | $0.91 | — | — | $1.29B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| EV / EBITDA | 12.6× | — | — | Top 41% |
| EV / Sales | 2.29× | — | — | Top 31% |
| Free-cash-flow yield | 7.42% | — | — | Bottom 46% |
| Earnings yield | -2.97% | — | — | Bottom 10% |
P/E over the past five years
Range 4.4× – 29.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -0.8%
- 200-day average slope (20 days)
- -1.1%
- Distance from 50-day average
- -6.5%
- Distance from 200-day average
- -10.6%
- RSI (14)
- 30.2
- Relative volume
- 0.51×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 15.1%
- Volatility vs own 5-year history
- 35th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.37
- Correlation with S&P 500
- 0.40
- Current drawdown from 1-year high
- -18.9%
- Maximum drawdown, 3 years
- -23.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Sep 7, 2021 | Oct 4, 2023 | -37.4% | 522 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.58B
- EPS, diluted (TTM)
- -$0.49
- Revenue (TTM)
- $2.90B
- Dividend yield
- 11.34%
- 52-week range
- $16.29 – $20.65
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $2.27B | $1.66B | $1.16B | $3.81B | $3.11B |
| Gross profit | $1.44B | $1.66B | $356.0M | $3.49B | $2.96B |
| Operating income | $1.70B | $1.21B | $755.0M | $2.81B | $2.54B |
| Net income | $717.0M | $645.0M | $228.0M | $131.0M | -$80.0M |
| EPS (diluted) | $4.17 | $4.48 | $1.85 | $1.20 | -$0.82 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $948.0M | -$13.0M | $802.0M | $778.0M | $781.0M | $746.0M | $695.0M | $682.0M |
| Net income | -$2.0M | $24.0M | -$2.0M | $14.0M | -$86.0M | -$5.0M | $17.0M | $25.0M |
| EPS (diluted) | -$0.02 | -$0.98 | -$0.02 | $0.14 | -$0.87 | -$0.05 | $0.17 | $0.26 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $702.0M | $305.0M | $676.0M | $459.0M | $441.0M |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Free cash flow | $702.0M | $305.0M | $676.0M | $459.0M | $441.0M |
| Dividends paid | -$107.0M | -$91.0M | -$78.0M | -$70.0M | $0 |
| Net share buybacks | -$600.0M | -$400.0M | -$310.0M | -$179.0M | -$111.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $2.14B
- Total assets
- $47.30B
- Total liabilities
- $44.90B
- Total debt
- $4.21B
- Net debt
- $2.08B
- Shareholders’ equity
- $2.40B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Dec 14, 2026 | $0.38 | Dec 15, 2026 |
| Sep 14, 2026 | $0.38 | Sep 15, 2026 |
| Jun 12, 2026 | $0.38 | Jun 15, 2026 |
| Mar 13, 2026 | $0.38 | Mar 16, 2026 |
| Dec 12, 2025 | $0.38 | Dec 15, 2025 |
| Sep 12, 2025 | $0.38 | Sep 15, 2025 |
| Jun 13, 2025 | $0.38 | Jun 16, 2025 |
| Mar 14, 2025 | $0.38 | Mar 17, 2025 |
Short interest
- Shares sold short
- 4,540
- Days to cover
- 1.00
- Change vs previous report
- -31.0%
FINRA short interest, settlement date Sep 15, 2026.