profit from every $100 of sales.
$0$100
Navient
$5.92-12.23% today
-49.7% in 1 year
1-year low $5.921-year high $13.28
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Navient sold, what it kept, and what it did with the cash.
Sales went from $1.74 billion in 2022 to $610 million in 2025, with -$80.0 million of profit last year.
SalesProfit
Navient handed back 39% of the cash it generated last year.
Buybacks $111M$63M
Free cash flow 2025$441M
Bought back its own shares$111M
Paid as dividends$63M
Cash vs. debt$637M vs. $45.2B
Navient vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Navient | No profit yet | ||
 Sunbelt Rentals Holdings | 22.6× · Fair price | ||
 Global Payments | 18.9× · Fair price | ||
 Synchrony Financial | 6.6× · Cheap | ||
 SoFi Technologies | 43.9× · Expensive |
AI analysis
An AI analyst reads Navient's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,737 | 1,279 | 961 | 610 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 645 | 228 | 131 | -80 | |
| 4.49 | 1.85 | 1.18 | -0.81 | |
| – | – | – | – | |
| – | – | – | – | |
| 37.1% | 17.8% | 13.6% | -13.1% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 70,795 | 61,375 | 51,789 | 48,681 |
| Cash | 1,535 | 839 | 722 | 637 |
| Total debt | 66,595 | 57,299 | 47,906 | 45,168 |
| Total liabilities | 67,818 | 58,615 | 49,148 | 46,282 |
| 2,977 | 2,760 | 2,641 | 2,399 | |
| 144 | 123 | 111 | 99 | |
| – | – | – | – | |
| 21.7% | 8.3% | 5.0% | -3.3% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 305 | 676 | 459 | 441 | |
| – | – | – | – | |
| 305 | 676 | 459 | 441 | |
| Dividends paid | 91 | 78 | 70 | 63 |
| 400 | 310 | 179 | 111 | |
| 19 | 24 | 23 | 21 |
Valuation
- –
- 8.2×
- –
- 0.3×
- 0.9×
- 1.3×
- –
- 79.4%
- -14.4%
- 7.7%
Profitability
- 29.9%
- 17.6%
- -13.1%
- 17.4%
- 0.9%
- 0.5%
- -2.5%
- -0.1%
- 1.3%
- –
Growth
- −29.4%
- –
- −3.9%
- +0.0%
- −12.6%
Financial health
- 83.8×
- 18.99
- 94.1%
- 0.2×
- 0.75
- 0.75
- 0.06
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 23%of 758
Bottom 40%of 604
Bottom 5%of 887
Top 1%of 933
What analysts expect
- Average price target
- $8.67
- Range
- $8.00 – $9.00
- 2 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 29, 2026 | 0.20 | 0.17 | +17.6% |
| Jan 28, 2026 | 0.02 | 0.31 | −93.6% |
| Oct 29, 2025 | 0.29 | 0.18 | +61.1% |
| Jul 30, 2025 | 0.21 | 0.27 | −22.2% |
| Apr 30, 2025 | 0.28 | 0.19 | +47.4% |
| Jan 29, 2025 | 0.25 | 0.26 | −3.8% |
| Oct 30, 2024 | 0.28 | 0.23 | +21.7% |
| Jul 24, 2024 | 0.48 | 0.42 | +14.3% |
7.7%of the share price, paid each year
On $1,000 invested$77a year at today's yield, before tax
+0.0%2020 to 2025
Raised–not every year
Paid per share, each year
$0.64 in 2015 → $0.64 in 2025
How safe it looks
-103.3% of its profit
Room to growStretchedMore than it earns: 14.3%
News
South Africa lawyer Navanethm 'Navi' Pillay wins Nobel Peace Prize for efforts to prosecute war crimes and genocideCNBC · Oct 9, 2026Navient completes $612.5M securitization backed by private education loansSeeking Alpha · Sep 18, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
28No pass
Benjamin Graham
35No pass
Philip Fisher
46No pass
Peter Lynch
0No pass
Joel Greenblatt
0No pass
Charlie Munger
29No pass
Terry Smith
22No pass
Questions about Navient
Is Navient a good stock to buy?
A business with weak numbers that is not profitable yet. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Navient AI analysis
What does Navient do?
Navient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States. It is in Financial - Credit Services.
Does Navient pay a dividend?
Yes. At today's price the dividend is 7.7% a year. In 2025 it paid out $63.0 million in dividends.
Is Navient stock halal?
No. Navient does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Navient stock done over the past year?
Down 49.7% over the past twelve months, to $5.92. It traded between $5.92 and $13.28 and is 55.4% below its high.
Who are Navient's competitors?
The largest listed companies in the same industry are Sunbelt Rentals Holdings, Global Payments, Synchrony Financial and SoFi Technologies. The peers table on this page compares their profit, growth and price with Navient's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.