Navient Corporation (NAVI) is a publicly traded company in the Financial Services — Financial - Credit Services industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Navient Corporation specializes in managing education loans and delivering comprehensive business processing services. Its clientele spans the education, healthcare, and government sectors, serving federal, state, and local entities across the United States. The company's operations are divided into three primary segments: Federal Education Loans, Consumer Lending, and Business Processing.
Is Navient Corporation stock overvalued or undervalued in 2026?
As of October 28, 2026, Navient Corporation (NAVI) trades at $8.14 with no positive earnings over the last twelve months, according to Kaplio. No valuation verdict: it has no earnings to calculate a P/E from.
Kaplio overview: Navient Corporation
Market cap $763M · 52 weeks $7 – $13 (32 % below the high) · P/E no earnings · Dividend 7.9 % · Closing price, Oct 28 · accounts published Aug 6.
- Valuation: P/Sales 0.2× (no earnings).
- Business: ROE −2.0 % (weak).
- Balance sheet: Debt/Equity 18.49 (fragile).
- Earnings: 5 of 8 (uneven).
What would it be worth at its usual multiples?
No valuation verdict: it has no earnings to calculate a P/E from.
What matters in financial services: 2 of 4 pass
- ROE −2.0 %, fails.
- Debt / Equity 18.49, fails.
- 5y revenue growth 11.0 %, passes.
- Operating margin 77.1 %, passes.
Against its peers (reference peers) — Navient Corporation: P/E —; EV/EBITDA 39.8×; ROIC 39.3 %; $763M. SLM Corporation (P/E 7.1×; EV/EBITDA 7.4×; ROIC 6.2 %; $3.7B), Nelnet, Inc. (P/E 14.6×; EV/EBITDA 20.1×; ROIC 3.5 %; $4.4B), Ally Financial Inc. (P/E 8.9×; EV/EBITDA 9.6×; ROIC 3.5 %; $11.8B).
Dividend
tight (only raised recently) · Yield 7.9 % ($0.64 per share in 2025) · 5-year growth -0 % a year · Free cash flow coverage 7.4× · With $1,000 invested today you'd collect $78.60 a year ($6.55 a month).
Profitability
| Return on Equity | -2.04% |
| Return on Invested Capital | 39.33% |
| Return on Assets | -0.10% |
| Gross Margin | 49.42% |
| Operating Margin | 37.20% |
| Net Margin | -1.67% |
Financial Health
| Debt / Equity | 18.49 |
| Current Ratio | 0.51 |
| Piotroski F-Score | 6 |
| Altman Z-Score | 0.35 |
Price Performance
| 1 month | -6.28% |
| 3 months | +1.31% |
| Year-to-date | -34.62% |
| 1 year | -27.16% |
| 3 years | -46.54% |
| 5 years | -56.85% |
| 10 years | -33.49% |
Dividend History
Paid in the last 12 months: $0.6400 per share in 4 payments.
| Date | Amount |
|---|---|
| 2026-09-04 | $0.1600 |
| 2026-06-05 | $0.1600 |
| 2026-03-06 | $0.1600 |
| 2025-12-05 | $0.1600 |
| 2025-09-05 | $0.1600 |
| 2025-06-06 | $0.1600 |
| 2025-03-07 | $0.1600 |
| 2024-12-06 | $0.1600 |
| 2024-09-06 | $0.1600 |
| 2024-06-07 | $0.1600 |
Amounts adjusted for stock splits.
Related companies: ALLY · SLM · NNI · V · 0R2Z.L · MA · AXP · COF
Explore sector: Financial Services · Financial - Credit Services
More sections of NAVI: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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