Navient Corporation

NAVI

$9.48

-0.84%

2026-09-03 16:00:00 EDT-$0.08

Financial Services

Financial - Credit Services

NASDAQ

Active Trading

Navient Corporation specializes in managing education loans and delivering comprehensive business processing services. Its clientele spans the education, healthcare, and government sectors, ...

Price Action of NAVI

$9.48

-0.84%-$0.08

High—

Low—

52W High-27.8%

Rel. vol—

Interval

Range6.5h

Volume—SMA5SMA10

—

Navient Corporation (ticker: NAVI) is a prominent American financial services company specializing in education loan management and business processing solutions. Established in 1973, it was originally part of Sallie Mae and became an independent public company in 2014. Headquartered in Herndon, Virginia, Navient operates through three primary segments: Federal Education ...Navient Corporation (ticker: NAVI) is a prominent American financial services company specializing in education loan management and business processing solutions. Established in 1973, it was originally part of Sallie Mae and became an independent public company in 2014. Headquartered in Herndon, Virginia, Navient operates through three primary segments: Federal Education Loans, Consumer Lending, and Business Processing. The Federal Education Loans segment manages and services federal student loans, including those under the FFELP program, providing asset recovery and servicing for its own portfolio and for other organizations. Consumer Lending focuses on originating, acquiring, and servicing private education loans, offering both in-school financing and refinancing options. The Business Processing segment delivers outsourced revenue cycle management, accounts receivable administration, and consulting services to healthcare providers, as well as business processing solutions for government entities, including judicial systems, municipalities, and toll authorities. Navient has a significant scale, at one time servicing nearly $300 billion in student loans, though recent strategic shifts include transitioning its loan servicing operations to MOHELA. The company employs approximately 3,000-4,500 people, with a workforce that has been downsized in recent years. Financially, Navient generates revenue primarily from interest on loans and fees, with a focus on optimizing its loan portfolio. Key leadership includes CEO David L. Yowan, who took over in 2023, and the company is recognized for its technology-driven approach to simplifying complex education finance and business processes. Despite past legal challenges regarding student loan servicing practices, Navient continues to adapt and evolve in a changing regulatory and market environment.ExpandCollapse

Founded

1973

Employees

670

CEO

Edward John Bramson

Full Name

Navient Corporation

Sector

Financial Services

Industry

Financial - Credit Services

ROE

-2.04%

Market Cap

$0.89B

Current Ratio

0.51

WACC

4.35%

ROIC

-60.59%

Contact Information

https://www.navient.com

302 283 8000

13865 Sunrise Valley Drive, Herndon, VA 20171

Key Metrics of NAVI

Snapshot

Latest / TTM · 6 periods

Market Cap

$891.02M

ROCE

2.5%

EV / EBITDA

39.79x

-3.2% YoY

FCF Yield

38.2%

+3.9% YoY

Cash Conversion Cycle

204.7d

Current Ratio

0.51

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Financial Highlights of NAVI

Profitability trend

Latest / TTM · 6 periods

Gross Margin

49.4%

Net Margin

-1.7%

P/E Ratio

-19.35x

n/a

Debt / Equity

18.49

n/a

Current Ratio

0.51

Dividend Yield

6.8%

Understanding

TTM —

Current ratio below 1.0

High debt to equity

Calendar of NAVI

Upcoming

Sep 4, 2026Today
Ex-dividend date
$0.64 per share
Sep 18, 2026In 14 days
Dividend payment
$0.64 per share
Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $0.09 · Revenue $143.82M · 5 analysts
Dec 30, 2026
Q4 FY2026 · Estimated results
Est. EPS $0.21 · Revenue $147.46M · 5 analysts

Recent history

Aug 7, 2026
Q2 FY2026 · Results reported
EPS $0.26 · Revenue $682.00M
View filing
Apr 29, 2026
Q1 FY2026 · Results reported
EPS $0.17 · Revenue $695.00M
View filing
Feb 26, 2026
FY2025 · Annual results
EPS $-0.81 · Revenue $3.23B
View filing
Oct 29, 2025
Q3 FY2025 · Results reported
EPS $-0.87 · Revenue $800.00M
View filing
Jul 30, 2025
Q2 FY2025 · Results reported
EPS $0.14 · Revenue $806.00M
View filing
Apr 30, 2025
Q1 FY2025 · Results reported
EPS $-0.02 · Revenue $828.00M
View filing

Financial Statements of NAVI

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$3.2B	-23.7%	-1.9%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$-80.0M	-161.1%	+47.1%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+87.0%	+334.2%	+409.5%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+77.1%	+1777.2%	+5208.4%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	-2.5%	-180.1%	+49.9%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$441.0M	-3.9%	+404.3%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+13.7%	+26.0%	+410.1%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	1905.2%	+3.4%	-2.6%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.74x	+34.6%	-32.5%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$48.7B	-6.0%	-1.5%

Actual vs Estimate

A Dec 31Q Jun 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	-0.81 vs -0.06	-1199.9%	0.26 vs 0.20	+29.1%
Revenue Surprise	$3.2B vs $667.2M	+384.0%	$682.0M vs $141.9M	+380.8%

Insider Transactions of NAVI

Acquisitions (A)

Since Jun 4, 2026

Disposals (D)

Since Jun 4, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Jun 4, 2026	Lawson Michael A	director	Common Stock	A	18,018	$7.77
Jun 4, 2026	KLANE LARRY A	director	Phantom Stock Units	A	18,018	—
Jun 4, 2026	CABRAL ANNA ESCOBEDO	director	Phantom Stock Units	A	18,018	—
Jun 4, 2026	ARNOLD FREDERICK	director	Common Stock	A	18,018	$7.77
Jun 4, 2026	YOWAN DAVID L.	director, officer: President & CEO	Common Stock	A	107,363	—

Earnings Call Transcript of NAVI

1 transcript segments

Q2 2026

Unknown Speaker

Operator: Good day, and welcome to the Navient Second Quarter 2026 Earnings Conference Call. This call is being recorded. [Operator Instructions] At this time, I will turn the call over to Roger Yankoupe, Navient's Treasurer and Head of Investor Relations. Please go ahead. Roger Yankoupe: Hello. Good afternoon, and welcome to Navient's earnings call for the second quarter of 2026. Joining me today are Ed Bramson, Navient's Chief Executive Officer and Chair of the Board; and Steve Hauber, Navient Chief Financial Officer. After Ed and Steve's prepared remarks, we will open up the call for questions. Today's discussion is accompanied by a presentation, which you can find on navient.com/investors. Before we begin, keep in mind our discussion will contain predictions, expectations, forward-looking statements and other information about our business that is based on management's current expectations as of the date of the presentation. Actual results in the future may differ materially from those discussed today due to a variety of risks and uncertainties. Listeners should refer to the discussion of those factors on the company's Form 10-K and other filings with the SEC. During this conference call, we will refer to certain non-GAAP financial measures, including core earnings, adjusted tangible equity ratio and various other non-GAAP financial measures derived from core earnings. Our GAAP results, description of our non-GAAP financial measures and a reconciliation of core earnings to GAAP results can be found in Navient's second quarter 2026 earnings release, which is posted on our website. Thank you. And I will now turn the call over to Ed. Edward Bramson: Thank you, Roger, and thank you to everyone for joining the call today. Before turning to the results themselves, I want to express our thanks to Dave Yowan, our predecessor CEO, who stepped down from the role in June of this year. David led the Navient team through a period of significant strategic change. Under his leadership, we bolstered our liquidity and accomplished a major structural reduction in fixed costs. This has put us in a much stronger position to compete in the areas that represent our future growth. In fact, we're already benefiting from this transformation, and I'll highlight a few of these benefits later in my remarks. As you have seen from the release, Navient's second quarter core earnings were $0.29 a share. During the quarter, a few significant items affected the results. We realized a gain on investment. This was partially offset by regulatory and restructuring expenses and the upfront expense from electing to call a FFELP securitization trust. The net impact of those items was a benefit of about $0.04 per share. So excluding them, core EPS would have been $0.25 for the quarter, and that compares to core EPS of $0.20 in 2025. Steve will discuss these items when he takes you through the slide presentation, and he will also cover some adjustments to loss provisions in the …

Leadership Team of NAVI

11 executives

Name	Title	Compensation	Gender	Year Born	Status
Troy Standish	Chief Operating Officer & Executive Vice President	USD 1,170,730	Male	1975	Active
Ted A. Morris	Controller	USD 1,159,589	Male	—	Active
Stephen Hauber	Executive Vice President, Chief Financial Officer & Principal Accounting Officer	USD 1,111,730	Male	1975	Active
Edward John Bramson	CEO, President & Chairman of the Board	—	Male	1951	Active
Judah Holland	Senior Vice President & Chief Transition Officer	—	Female	—	Active
Robert A. Crawford	Senior Vice President & Controller	—	Male	1963	Active
Shanee Ben-Zur	Chief Marketing Officer of Earnest	—	Female	—	Active
Matthew R. Sheldon	Senior Vice President & General Counsel	—	Male	1970	Active
Deanna Coloe	Vice President & Chief Audit Officer	—	Female	—	Active
Jen Earyes	Head of Investor Relations	—	Female	—	Active
Paul Hartwick	Vice President of Corporate Communications	—	—	—	Active

Recent News of NAVI

Zacks Investment Research8/19/2026Neutral

Can Navient's Cost-Cutting Strategy Set the Stage for Profitability?

Can NAVI's leaner cost structure and legacy-asset reduction pave the way for stronger profitability? Let us discuss.

GlobeNewsWire8/13/2026Neutral

Navient declares third quarter common stock dividend

HERNDON, Va., Aug. 13, 2026 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) announced that its board of directors approved a 2026 third quarter dividend of $0.16 per share on the company's common stock.

PRNewsWire8/11/2026Neutral

VINCI COMPASS REPORTS SECOND QUARTER 2026 EARNINGS RESULTS AND ANNOUNCES THE ACQUISITION OF NAVI'S REAL ESTATE PLATFORM

RIO DE JANEIRO, Aug. 11, 2026 /PRNewswire/ -- Vinci Compass Investments Ltd. (NASDAQ: VINP) ("Vinci Compass," "the Company," "we," "us," or "our"), the controlling company of a leading alternative investments and global solutions provider in Latin America, reported today its second quarter 2026 earnings results.

Defense World8/8/2026Neutral

Bank of New York Mellon Corp Has $3.13 Million Stock Holdings in Navient Corporation $NAVI

Bank of New York Mellon Corp decreased its position in Navient Corporation (NASDAQ: NAVI) by 13.6% during the undefined quarter, according to the company in its most recent filing with the SEC. The fund owned 382,305 shares of the credit services provider's stock after selling 60,249 shares during the quarter. Bank of New

Zacks Investment Research8/7/2026Neutral

Navient Stock Up on Q2 Earnings Beat, Expenses & Provisions Fall Y/Y

NAVI's Q2 results benefit from lower expenses and provisions, lifting EPS above estimates. Shares gain 4.8% despite lower NII and other income.

Historical Employee Count of NAVI

Current

670

Change

-68.10%

Minimum

670

Maximum

4,500

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	670	10-K	Feb 26, 2026	View
Dec 31, 2024	2,100	10-K	Feb 27, 2025	View
Dec 31, 2023	4,500	10-K	Feb 26, 2024	View
Dec 31, 2021	4,330	10-K	Feb 25, 2022	View

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Navient Corporation