Navient Corporation (NAVI) Stock

Navient Corporation (NAVI) is a Financials stock trading at $9.12 (as of 2026-08-20), with a market capitalization of $854.84M. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Navient Corporation manages and services education and healthcare-related loans and provides business processing services. It operates through segments including Federal Education Loans, Consumer Lending, and Business Processing, serving education, healthcare, and government clients at federal, state, and local levels in the United States.

Understand Navient Corporation: how it makes money

Navient provides education loan management and business processing solutions for education, healthcare, and government clients, and it makes money by owning FFELP loans (insured or guaranteed by state or not-for-profit agencies) and servicing and performing asset recovery on its own loan portfolio and on FFELP loans owned by other institutions.

Navient's profit model is structurally driven by the size and performance of education loan portfolios it services, because earnings depend on servicing and asset-recovery outcomes that are influenced by credit deterioration signals like forbearance and charge-offs.

Business quality (Mixed): The operating picture is helped by clear credit and loan-balance metrics (forbearance, charge-offs, ending FFELP and private loan balances). However, a clean segment revenue breakdown into the three official segments is not available in the provided facts.

Bull case

  • Large, ongoing loan portfolios: The company reports sizable ending balances in both FFELP loans, net (35.88 USD_B) and private education loans, net (16.61 USD_B), which supports a continuing servicing and asset-recovery business.
  • Business processing is a distinct revenue stream: Business Processing Segment Revenue is reported at 0.08 USD_B, reflecting that Navient earns from business processing activities alongside education loan servicing and recovery.

Bear case

  • Credit performance is a key earnings risk: The reported Federal Education Loan Forbearance Rate is 12.8 percent and the Net Charge-Off Rate is 19.0 percent, both of which indicate elevated credit stress that can pressure results.
  • Provisioning suggests continuing expected loss costs: Federal Education Loan Segment Provision Expense is 0.01 USD_B in the latest quarter, indicating that credit costs are an active input to earnings.
Valuation — source: SEC EDGAR (first-party)
Price$9.12
Market Cap$854.84M
Price / Book0.36
Price / Sales0.29
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$3.11B
Net Margin-2.6%
Revenue Growth (YoY)-12.3%
EPS Growth (YoY)92.9%
Valuation vs Sector & Industry
Sector P/E (Financials)15.1
Industry P/E (Trading)34.6
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderSherborne Investors Management LP ($240.90M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryTrading
CEODavid L. Yowan
Employees2,100
CountryUS
IPO Date2014-04-17

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NAVI earnings history · NAVI institutional & insider holders · NAVI KPIs & operating metrics · NAVI financials · NAVI investor presentations & press releases · NAVI SEC filings · NAVI peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.