Stocks · Financial Services · Financial - Credit Services
Navient Corporation NAVI
$9.19 +0.88% Close, Oct 2, 2026 · NASDAQ · Market cap $863.8M
Weak trendHigh risk
Next earnings report: Oct 28, 2026
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
- Diluted EPS over the last four quarters was $-0.50, down 255.3% year over year.
- Operating margin widened to 37.2% from 1.4% a year earlier.
- Net debt is 39.0× EBITDA, a high level of leverage.
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 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 6%
- EPS growth (TTM, YoY)Bottom 5%
- FCF growth (TTM, YoY)Top 23%
- Revenue growth, 3-year CAGRBottom 3%
- Revenue growth accelerationTop 25%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 3%
- Gross marginBottom 22%
- Operating marginTop 17%
- Accruals (lower is better)Top 35%
- Net debt / EBITDA (lower is better)Bottom 2%
- Interest coverBottom 24%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 8%
- Free-cash-flow yieldTop 6%
- EBITDA / enterprise valueBottom 30%
- Sales / enterprise valueBottom 6%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 8%
- 6-month returnTop 38%
- 1-year return vs S&P 500Bottom 10%
- Distance from 52-week highBottom 15%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 3%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyBottom 15%
- Upside to consensus price targetBottom 5%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 15%
- Maximum drawdown, 3 yearsBottom 10%
- Beta vs S&P 500 (lower is better)Bottom 16%
- Net debt / EBITDA (lower is better)Bottom 2%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -21.5% | -18.8% | ↑ |
| EPS growth (YoY) | -223.5% | -255.3% | ↓ |
| Gross margin | 16.2% | 49.4% | ↑ |
| Operating margin | 1.4% | 37.2% | ↑ |
| FCF margin | 5.4% | 11.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -18.8% | -21.5% | ↑ | Bottom 6% |
| EPS growth (TTM, YoY) | -255.3% | -223.5% | ↓ | Bottom 5% |
| Gross margin | 49.4% | 16.2% | ↑ | Bottom 22% |
| Operating margin | 37.2% | 1.4% | ↑ | Top 17% |
| Net margin | -1.7% | 0.9% | ↓ | — |
| Free-cash-flow margin | 11.6% | 5.4% | ↑ | — |
| Return on invested capital | 39.3% | — | Top 3% | |
| Revenue growth, 3-year CAGR | -5.6% | — | Bottom 3% |
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%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +11.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 38.96×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 7.06%
- Net buyback yield (TTM)
- 9.03%
- Shareholder yield
- 16.09%
- Share count change, 1 year
- -5.0%
- Share count change, 3-year CAGR
- -8.4%
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
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- -100.0%
- Average 2-day reaction, last 8
- -4.2%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $8.50
- Target vs current price
- -7.5%
- Analysts with a rating
- 24
- Share rating Buy or Strong Buy
- 21%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | +43.9% | +4.7% | -2.4% | +5.5% | — |
| Apr 29, 2026 | +17.6% | +3.7% | -5.0% | -11.5% | -10.3% |
| Jan 28, 2026 | -93.6% | -18.5% | -16.9% | -26.0% | -26.6% |
| Oct 29, 2025 | -566.7% | -9.8% | -7.3% | -2.9% | -6.6% |
| Jul 30, 2025 | -22.2% | -8.0% | -9.4% | -0.9% | -8.5% |
| Apr 30, 2025 | +47.4% | -2.5% | -1.1% | +5.4% | +10.1% |
| Jan 29, 2025 | +25.0% | -3.3% | -6.5% | -4.2% | -19.3% |
| Oct 30, 2024 | +21.7% | +0.3% | -6.1% | +0.7% | -2.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $0.29 | $0.20 | +43.9% | $147.0M |
| Apr 29, 2026 | $0.20 | $0.17 | +17.6% | $142.0M |
| Jan 28, 2026 | $0.02 | $0.31 | -93.6% | $144.0M |
| Oct 29, 2025 | -$0.84 | $0.18 | -566.7% | $161.0M |
| Jul 30, 2025 | $0.21 | $0.27 | -22.2% | $156.0M |
| Apr 30, 2025 | $0.28 | $0.19 | +47.4% | $195.0M |
| Jan 29, 2025 | $0.25 | $0.20 | +25.0% | $223.0M |
| Oct 30, 2024 | $0.28 | $0.23 | +21.7% | $239.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 12.2× | — | — | — |
| EV / EBITDA | 39.8× | — | — | Bottom 30% |
| EV / Sales | 14.66× | — | — | Bottom 6% |
| Free-cash-flow yield | 39.36% | — | — | Top 6% |
| Earnings yield | -5.44% | — | — | Bottom 8% |
P/E over the past five years
Range 3.8× – 39.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -30.5%
- Earnings per share growth (TTM)
- -255.3%
- Change in P/E multiple
- +241.3%
Most of the move came from a change in the valuation multiple.
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)
- +4.1%
- 200-day average slope (20 days)
- -3.0%
- Distance from 50-day average
- -0.1%
- Distance from 200-day average
- -1.4%
- RSI (14)
- 48.0
- Relative volume
- 0.56×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 40.9%
- Volatility vs own 5-year history
- 66th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.11
- Correlation with S&P 500
- 0.48
- Current drawdown from 1-year high
- -30.9%
- Maximum drawdown, 3 years
- -62.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Sep 17, 2021 | Jun 3, 2026 | -68.3% | 1181 days | Not yet recovered |
| Oct 15, 2020 | Oct 30, 2020 | -19.8% | 11 days | 6 days (Nov 9, 2020) |
| Nov 17, 2020 | Dec 14, 2020 | -13.9% | 18 days | 15 days (Jan 6, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $863.8M
- EPS, diluted (TTM)
- -$0.50
- Revenue (TTM)
- $2.94B
- Dividend yield
- 6.96%
- 52-week range
- $7.33 – $13.48
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $3.53B | $3.84B | $4.84B | $4.23B | $3.23B |
| Gross profit | $2.27B | $1.66B | $1.16B | $848.0M | $2.81B |
| Operating income | $936.0M | $827.0M | $313.0M | $174.0M | $2.49B |
| Net income | $717.0M | $645.0M | $228.0M | $131.0M | -$80.0M |
| EPS (diluted) | $4.17 | $4.48 | $1.85 | $1.18 | -$0.81 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.00B | $977.0M | $828.0M | $806.0M | $800.0M | $761.0M | $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 | $0.22 | -$0.02 | $0.14 | -$0.87 | -$0.06 | $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 | -$63.0M |
| 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
- $44.34B
- Net debt
- $42.20B
- Shareholders’ equity
- $2.40B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 4, 2026 | $0.16 | Sep 18, 2026 |
| Jun 5, 2026 | $0.16 | Jun 19, 2026 |
| Mar 6, 2026 | $0.16 | Mar 20, 2026 |
| Dec 5, 2025 | $0.16 | Dec 19, 2025 |
| Sep 5, 2025 | $0.16 | Sep 19, 2025 |
| Jun 6, 2025 | $0.16 | Jun 20, 2025 |
| Mar 7, 2025 | $0.16 | Mar 21, 2025 |
| Dec 6, 2024 | $0.16 | Dec 20, 2024 |
Short interest
- Shares sold short
- 12,000,615
- Days to cover
- 9.39
- Change vs previous report
- +5.3%
FINRA short interest, settlement date Sep 15, 2026.