Navient (NAVI) Stock Price, News & Analysis

Company Overview

Navient Corporation provides technology-enabled education finance and business processing solutions for education, health care, and government clients in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. It also owns, originates, and services refinance and in-school private education loans; and offers business processing solutions, such as omnichannel contact center, workflow processing, and revenue cycle optimization services to federal agencies, state governments, tolling and parking authorities, other public sector clients, as well as hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments. In addition, the company provides corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.

Key Stats

• Today's Range: $14.95 to $15.36
• 50-Day Range: $13.99 to $16.15
• 52-Week Range: $13.71 to $19.68
• Volume: 911,785 shs
• Average Volume: 789,470 shs
• Market Capitalization: $1.63 billion
• P/E Ratio: 21.94
• Dividend Yield: 4.23%
• Price Target: $15.75
• Consensus Rating: Reduce

Navient Stock Analysis - MarketRank™

Navient scored higher than 80% of companies evaluated by MarketBeat, and ranked 286th out of 963 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 0.8 / 5
• Analyst Rating: Reduce

Consensus Rating

Navient has received a consensus rating of Reduce. The company's average rating score is 1.63, and is based on no buy ratings, 5 hold ratings, and 3 sell ratings.

Amount of Analyst Coverage

Navient has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: -35.96%

Earnings Growth

Earnings for Navient are expected to decrease by -35.96% in the coming year, from $2.28 to $1.46 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Navient is 21.94, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 121.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of Navient is 21.94, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 28.47.

Price to Book Value per Share Ratio

Navient has a P/B Ratio of 0.60. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

7.39% of the float of Navient has been sold short.

Short Interest Ratio / Days to Cover

Navient has a short interest ratio ("days to cover") of 12.5, which indicates bearish sentiment.

Change versus previous month

Short interest in Navient has recently decreased by 0.90%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Navient is a leading dividend payer. It pays a dividend yield of 4.19%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Navient does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Navient is 92.75%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, Navient will have a dividend payout ratio of 43.84% next year. This indicates that Navient will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.9 / 5
• Environmental Score: -0.11

Percentage of Shares Shorted

7.39% of the float of Navient has been sold short.

Short Interest Ratio / Days to Cover

Navient has a short interest ratio ("days to cover") of 12.5, which indicates bearish sentiment.

Change versus previous month

Short interest in Navient has recently decreased by 0.90%, indicating that investor sentiment is improving.

News and Social Media

• Score: 3.4 / 5
• News Sentiment: 1.07

News Sentiment

Navient has a news sentiment score of 1.07. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.67 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 11 news articles for Navient this week, compared to 5 articles on an average week.

Search Interest

1 people have searched for NAVI on MarketBeat in the last 30 days.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Navient insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $150,000.00 in company stock.

Percentage Held by Insiders

27.99% of the stock of Navient is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

97.14% of the stock of Navient is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

NAVI Stock Analysis - Frequently Asked Questions

How have NAVI shares performed this year?

Navient's stock was trading at $18.62 at the start of the year. Since then, NAVI stock has decreased by 18.7% and is now trading at $15.14.
View the best growth stocks for 2024 here.

How were Navient's earnings last quarter?

Navient Co. (NASDAQ:NAVI) issued its quarterly earnings results on Wednesday, October, 30th. The credit services provider reported $1.45 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.25 by $1.20. The credit services provider had revenue of $1.22 billion for the quarter, compared to analyst estimates of $150.04 million. Navient had a trailing twelve-month return on equity of 8.62% and a net margin of 1.71%.

Does Navient have any subsidiaries?

Navient subsidiaries include these companies: Earnest, and Duncan Solutions.

Who are Navient's major shareholders?

Top institutional shareholders of Navient include Donald Smith & CO. Inc. (3.20%), State Street Corp (3.17%), Geode Capital Management LLC (1.77%) and Charles Schwab Investment Management Inc. (1.02%). Insiders that own company stock include John M Kane, Mark L Heleen, Stephen M Hauber and Newbury Investors Llc.
View institutional ownership trends.

How do I buy shares of Navient?

Shares of NAVI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of Navient own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Navient investors own include NVIDIA (NVDA), Advanced Micro Devices (AMD), Tesla (TSLA), Meta Platforms (META), JPMorgan Chase & Co. (JPM), Netflix (NFLX) and Home Depot (HD).

Company Calendar

• Ex-Dividend for 9/20 Dividend: 9/06/2024
• Dividend Payable: 9/20/2024
• Last Earnings: 10/30/2024
• Today: 11/17/2024
• Ex-Dividend for 12/20 Dividend: 12/06/2024
• Dividend Payable: 12/20/2024
• Fiscal Year End: 12/31/2024
• Next Earnings (Estimated): 1/29/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Security brokers & dealers
• Sub-Industry: Trading
• Current Symbol: NASDAQ:NAVI
• Previous Symbol: NASDAQ:NAVIV
• CUSIP: N/A
• CIK: 1593538
• Web: www.navient.com
• Phone: (302) 283-8000
• Fax: N/A
• Employees: 4,500
• Year Founded: 2014

Price Target and Rating

• Average Stock Price Target: $15.75
• High Stock Price Target: $19.00
• Low Stock Price Target: $11.00
• Potential Upside/Downside: +4.0%
• Consensus Rating: Reduce
• Rating Score (0-4): 1.63
• Research Coverage: 8 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $0.69
• Trailing P/E Ratio: 21.94
• Forward P/E Ratio: 6.64
• P/E Growth: N/A
• Net Income: $228 million
• Net Margins: 1.71%
• Pretax Margin: 2.40%
• Return on Equity: 8.62%
• Return on Assets: 0.41%

Debt

• Debt-to-Equity Ratio: 16.59
• Current Ratio: 9.49
• Quick Ratio: 9.49

Sales & Book Value

• Annual Sales: $4.83 billion
• Price / Sales: 0.34
• Cash Flow: $3.14 per share
• Price / Cash Flow: 4.82
• Book Value: $25.09 per share
• Price / Book: 0.60

Miscellaneous

• Outstanding Shares: 107,360,000
• Free Float: 77,312,000
• Market Cap: $1.63 billion
• Optionable: Optionable
• Beta: 1.39