A Business at a Glance
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Overview and Fundamentals of Our Business Navient (Nasdaq: NAVI) creates long-term value for customers and investors with responsible lending, flexible refinancing, trusted servicing oversight, and decades of education finance and portfolio management expertise. Through our Earnest brand's business, we help customers confidently achieve financial success through digital financial services. Our employees thrive in a culture of belonging, where they are supported and proud to deliver meaningful outcomes. Learn more on Navient.com. Navient’s business consists of: •Consumer Lending We own and manage a portfolio of $15.5 billion of Private Education Loans. Through our Earnest brand we help students and families succeed with education lending and digital financial services, originating Earnest branded in-school student loans and refinancing products. In 2025, we originated $2.5 billion of Private Education Loans, a 77% increase from $1.4 billion a year ago.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 610M | 610M | 271M | 321M | 332M | 507M |
| Net Income | -80M | -80M | 131M | 228M | 645M | 717M |
| EPS | $-0.81 | $-0.81 | $1.18 | $1.85 | $4.49 | $4.18 |
| Free Cash Flow | 441M | 441M | 459M | 676M | 305M | 702M |
| ROIC | -0.2% | -0.2% | 0.3% | 0.4% | 0.9% | 0.9% |
| Gross Margin | 61.1% | 61.1% | -64.2% | -58.3% | -60.8% | -46.9% |
| Debt/Equity | 19.05 | 19.05 | 18.30 | 20.88 | 22.47 | 29.64 |
| Dividends/Share | $0.64 | $0.64 | $0.64 | $0.64 | $0.64 | $0.64 |
| Operating Income | -111M | -111M | 174M | 313M | 827M | 936M |
| Operating Margin | -18.2% | -18.2% | 64.2% | 97.5% | 249.1% | 184.6% |
| ROE | -3.3% | -3.2% | 4.9% | 7.9% | 23.1% | 28.5% |
| Shares Outstanding | 99M | 99M | 111M | 123M | 144M | 172M |
NAVIENT CORP passes 2 of 9 quality checks, indicating weak fundamentals.
On a free-cash-flow basis, the stock trades at 1.9x vs a median of 2.7x. The company's 5-year average ROIC is 0.5%. Total shareholder yield (dividends + buybacks) is 21.3%. At current prices, the estimated annualized return to fair value is -0.2%.
NAVIENT CORP (NAVI) has a 5-year average return on invested capital (ROIC) of 0.5%. This is below average and may indicate limited pricing power.
NAVIENT CORP (NAVI) has a market capitalization of $818M. It is classified as a small-cap stock.
Yes, NAVIENT CORP (NAVI) pays a dividend with a trailing twelve-month yield of 7.70%. The company also returns capital through share buybacks, with a buyback yield of 13.57%.
NAVIENT CORP (NAVI) operates in the Security Brokers, Dealers & Flotation Companies industry, within the Financials sector.
NAVIENT CORP (NAVI) reported annual revenue of $610 million in its most recent fiscal year, based on SEC EDGAR filings.
NAVIENT CORP (NAVI) has a net profit margin of -13.1%. The company is currently unprofitable.
NAVIENT CORP (NAVI) generated $441 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
NAVIENT CORP (NAVI) has a debt-to-equity ratio of 19.05. This indicates higher leverage, which may increase financial risk.
NAVIENT CORP (NAVI) reported earnings per share (EPS) of $-0.81 in its most recent fiscal year.
NAVIENT CORP (NAVI) has a return on equity (ROE) of -3.2%. A negative ROE may indicate losses or negative equity.
NAVIENT CORP (NAVI) has a 5-year average gross margin of -33.8%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 14 years of financial data for NAVIENT CORP (NAVI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
NAVIENT CORP (NAVI) has a book value per share of $24.29, based on its most recent annual SEC filing.
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