Navient (NAVI) Resumen de Acciones
Navient Corporation ofrece financiación tecnológica para la educación en Estados Unidos. Saber más
| Puntuación del snowflake | |
|---|---|
| Valoración | 2/6 |
| Crecimiento futuro | 5/6 |
| Rendimiento pasado | 0/6 |
| Salud financiera | 3/6 |
| Dividendos | 4/6 |
NAVI Community Fair Values
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Analyst Price Targets
Top Community Narratives
US$14.34
FV
43.4% infravalorado descuento intrínseco39
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Competidores de Navient Corporation
Historial de precios y rendimiento
| Precios históricos de las acciones | |
|---|---|
| Precio actual de la acción | US$8.12 |
| Máximo en las últimas 52 semanas | US$16.07 |
| Mínimo de 52 semanas | US$7.80 |
| Beta | 1.26 |
| Cambio en 1 mes | -8.66% |
| Variación en 3 meses | -9.68% |
| Cambio de 1 año | -39.31% |
| Variación en 3 años | -46.40% |
| Variación en 5 años | -56.46% |
| Variación desde la OPV | 921.08% |
Noticias y actualizaciones recientes
Recent updates
Actualización de narrativa • May 01
NAVI: Mixed Repricing And Leadership Shift Will Shape Risk Reward Into 2026
Navient's updated analyst price target has shifted to reflect a fair value move from $11.33 to $9.31, as analysts weigh recent mixed target changes and revised expectations for revenue growth, profit margins, and future P/E assumptions. Analyst Commentary Recent Street research on Navient reflects a mix of optimism and caution, with several price target hikes offset by a cluster of target cuts over a short window.
Actualización de narrativa • Apr 17
NAVI: Capital Returns And Margin Discipline Will Support Future Upside
Narrative Update Navient's analyst price target has been revised lower by about $0.84 to $12.16, as analysts factor in recent cuts from several firms alongside updated assumptions for fair value, revenue, profit margins and the future P/E multiple. Analyst Commentary Recent research updates on Navient skew toward reduced price targets, but they still provide useful insight into how analysts think about valuation, execution and future earnings power.
Actualización de narrativa • Apr 02
NAVI: Cautious View Will Persist As Earnings Durability Remains Under Scrutiny
The analyst price target for Navient has moved from $11.00 to $8.00 as analysts factor in updated views on revenue growth potential, profit margins, and P/E multiples following a series of recent target cuts across the Street. Analyst Commentary Recent Street research on Navient has tilted cautious, with several bearish analysts cutting price targets and rethinking their assumptions after earlier optimism around the stock.Actualización de narrativa • Mar 19
NAVI: Benign Credit Conditions And Buybacks Will Support Future Upside
Narrative Update Analysts have lowered Navient's fair value estimate to $13.00, reflecting reduced price targets driven by more cautious profit margin expectations, while revenue growth assumptions and future P/E remain relatively unchanged. Analyst Commentary Street research on Navient has recently been dominated by lower price targets, reflecting more cautious views on profitability and credit risk.Actualización de narrativa • Mar 05
NAVI: Benign Credit Backdrop And Buybacks Will Support 2026 Upside Potential
Analysts have trimmed their average price target on Navient to about $11.33, down roughly $1.72 from the prior $13.06. They cited updated views on revenue growth, profit margins and valuation following a series of target reductions from major firms in recent research.Actualización de narrativa • Feb 19
NAVI: Benign Credit And Buybacks Will Support Future Upside Potential
Analysts have trimmed their average price target for Navient to reflect a slightly lower fair value estimate of about $16.77 per share, citing recent target cuts across several firms and modest adjustments to revenue growth, profit margin assumptions, the discount rate, and future P/E expectations. Analyst Commentary Recent research updates on Navient have been dominated by reductions in price targets, even as one earlier report moved its target to US$11 from US$10 and kept an Underweight rating.Actualización de narrativa • Feb 05
NAVI: Benign Credit Backdrop And Cost Control Will Support Future Upside
Analysts have trimmed their price targets on Navient, and our updated fair value estimate moves from US$18.00 to about US$17.04 as they factor in a higher assumed P/E multiple, along with changes in revenue growth and profit margin assumptions highlighted in recent research cuts from several major firms. Analyst Commentary Recent research has centered on where Navient's earnings profile and balance sheet risks should sit within the broader consumer finance peer group, which has led to a cluster of revised price targets.Actualización de narrativa • Jan 22
NAVI: Cautious View Will Persist Despite Anticipated 2026 Credit Improvement
Narrative Update Analysts lifted their price target on Navient to US$11.00 from US$10.00, citing expectations for a more supportive credit backdrop, potential loan growth, and a firmer mortgage origination market in 2026, along with updated assumptions for revenue, profit margins, and future P/E. Analyst Commentary The latest price target move to US$11.00 sits at the low end of where some investors might expect a lender to trade if credit conditions and mortgage activity improve meaningfully in 2026.Actualización de narrativa • Jan 07
NAVI: Benign Credit Backdrop And Buybacks Will Shape Balanced 2026 Outlook
Analysts have nudged their price target for Navient higher, with the fair value estimate moving from about $12.72 to $13.06 as they factor in a relatively stable credit backdrop and their expectations for healthier loan and mortgage origination conditions by 2026. Analyst Commentary Recent research points to a cautious stance on Navient, even as some expectations for 2026 loan and mortgage activity are factored into updated price targets.Actualización de narrativa • Dec 14
NAVI: Federal Loan Sales And Buybacks Will Shape Balanced Future Outlook
Analyst Price Target Update Analysts have trimmed their price target on Navient slightly, to approximately $12.72 from about $12.89, as they factor in stronger projected revenue growth, slightly lower expected profit margins, and a modestly reduced future earnings multiple. What's in the News White House officials are reportedly considering selling high performing portions of the federal government's $1.6 trillion student loan portfolio to private lenders, potentially expanding market opportunities for servicers such as Navient (Politico) Navient completed repurchases of 2,000,000 shares in the third quarter of 2025 for $26.38 million, bringing total buybacks under its December 2021 authorization to 61,032,748 shares, or about 48.64% of shares outstanding (company filing) The Board of Directors authorized a new share repurchase program of up to $100 million on October 29, 2025, reflecting continued emphasis on returning capital to shareholders (company announcement) Navient reported third quarter 2025 net charge offs of $105 million, roughly flat compared to $104 million in the prior year period (earnings release) The company issued fourth quarter 2025 earnings guidance of $0.30 to $0.35 per share, providing investors with a clearer view of near term profitability expectations (earnings guidance) Valuation Changes The fair value estimate has decreased slightly to approximately $12.72 from about $12.89, reflecting modestly tighter assumptions.Actualización de narrativa • Nov 30
NAVI: Phase 2 Execution Risk And Federal Loan Sale Will Shape Outlook
Analysts have lowered Navient’s price target from $15 to $12, citing increased execution risks as the company shifts its strategy from cost-cutting to more challenging growth initiatives. Analyst Commentary Analysts have provided mixed insights on Navient’s outlook as the company transitions to more growth-oriented strategies.Actualización de narrativa • Nov 16
NAVI: Phase 2 Transition Will Drive Execution Risk Amid Federal Loan Sale Talks
Analysts have lowered their price target for Navient to $12 from $13, citing increased execution risk as the company transitions from cost-cutting to more challenging growth initiatives. Analyst Commentary Recent analyst discussions surrounding Navient highlight a shift in sentiment due to the company’s transition from cost-saving measures to more ambitious growth initiatives.Actualización de narrativa • Oct 30
NAVI: Execution Risks And Policy Shifts Will Shape Future Performance
Analysts have lowered their price target for Navient from $14.10 to $13.00 per share. They cite increased execution risks associated with the company’s shift toward growth initiatives, despite recent improvements in profitability and projected revenue growth.Artículo de análisis • Aug 18
Navient (NASDAQ:NAVI) Will Pay A Dividend Of $0.16
Navient Corporation's ( NASDAQ:NAVI ) investors are due to receive a payment of $0.16 per share on 19th of September...Seeking Alpha • May 14
Navient Baby Bond: Lock In 9.6% YTM With At Least 11% Upside
Summary Navient's exchange-traded bond JSM is undervalued versus its OTC counterpart, offering a higher yield and capital appreciation potential of around 11%. Both bonds have similar credit ratings, but JSM's yield to maturity (9.6%) and current price discount make it the more attractive option. Market sentiment is currently negative for exchange-traded bonds, creating a buying opportunity for JSM ahead of a likely mean reversion. Read the full article on Seeking AlphaArtículo de análisis • Apr 24
Improved Earnings Required Before Navient Corporation (NASDAQ:NAVI) Shares Find Their Feet
When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 17x, you may...Seeking Alpha • Mar 28
Navient: Deeply Discounted Valuation, But Capital Allocation Will Be Key
Summary Navient now primarily focuses on private education loans, following the outsourcing and divestitures of its other operations. Management's guidance calls for core earnings of between $1 and $1.2 per share for FY25. Shares are trading at approximately half of book value, which stands at $25.6 per share. Despite its cheap valuation, I maintain a Hold rating on NAVI stock due to the surrounding risks and uncertainties. Read the full article on Seeking AlphaArtículo de análisis • Feb 27
Navient (NASDAQ:NAVI) Is Paying Out A Dividend Of $0.16
The board of Navient Corporation ( NASDAQ:NAVI ) has announced that it will pay a dividend of $0.16 per share on the...Artículo de análisis • Oct 24
Navient Corporation's (NASDAQ:NAVI) Prospects Need A Boost To Lift Shares
Navient Corporation's ( NASDAQ:NAVI ) price-to-earnings (or "P/E") ratio of 10.4x might make it look like a buy right...
Nueva narrativa • Sep 24
Decisive Overhaul To Boost Efficiency And Unlock Shareholder Value In Consumer Finance Sector
Navient's strategic focus on cost reduction through outsourcing and divestment aims to improve net margins by lowering operational expenses.Artículo de análisis • Aug 18
Navient (NASDAQ:NAVI) Has Affirmed Its Dividend Of $0.16
Navient Corporation ( NASDAQ:NAVI ) will pay a dividend of $0.16 on the 20th of September. This means the annual...Artículo de análisis • May 28
Navient (NASDAQ:NAVI) Has Announced A Dividend Of $0.16
The board of Navient Corporation ( NASDAQ:NAVI ) has announced that it will pay a dividend of $0.16 per share on the...Rentabilidad de los accionistas
| NAVI | US Consumer Finance | Mercado US | |
|---|---|---|---|
| 7D | -2.3% | 1.6% | 2.5% |
| 1Y | -39.3% | 4.7% | 26.4% |
Rentabilidad vs. Industria: Los resultados de NAVI fueron inferiores a los de la industria US Consumer Finance, que obtuvo un rendimiento del 4.7% el año pasado.
Rentabilidad vs. Mercado: NAVI obtuvo unos resultados inferiores a los del mercado US, que fueron del 26.4% el año pasado.
Volatilidad de los precios
| NAVI volatility | |
|---|---|
| NAVI Average Weekly Movement | 4.7% |
| Consumer Finance Industry Average Movement | 6.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.5% |
| 10% least volatile stocks in US Market | 3.1% |
Precio estable de las acciones: NAVI no ha tenido una volatilidad de precios significativa en los últimos 3 meses en comparación con el mercado US.
Volatilidad a lo largo del tiempo: La volatilidad semanal de NAVI (5%) se ha mantenido estable durante el año pasado.
Acerca de la empresa
| Fundada | Empleados | CEO | Página web |
|---|---|---|---|
| 1973 | 670 | Dave Yowan | www.navient.com |
Navient Corporation ofrece financiación tecnológica para la educación en Estados Unidos. Opera a través de dos segmentos: Préstamos educativos federales y Préstamos al consumo. La empresa posee y gestiona una cartera de préstamos educativos privados y ofrece préstamos educativos y servicios financieros digitales, préstamos estudiantiles en la escuela y productos de refinanciación bajo la marca Earnest.
Resumen de fundamentos de Navient Corporation
| Estadísticas fundamentales de NAVI | |
|---|---|
| Capitalización bursátil | US$803.61m |
| Beneficios(TTM) | -US$61.00m |
| Ingresos (TTM) | US$329.00m |
2.3x
Ratio precio-ventas (PS)-12.5x
Ratio precio-beneficio (PE)¿Está NAVI sobrevalorada?
Ver valor justo y análisis de valoraciónBeneficios e Ingresos
| Cuenta de resultados (TTM) de NAVI | |
|---|---|
| Ingresos | US$329.00m |
| Coste de los ingresos | US$0 |
| Beneficio bruto | US$329.00m |
| Otros gastos | US$390.00m |
| Beneficios | -US$61.00m |
Últimos beneficios comunicados
Mar 31, 2026
Próxima fecha de beneficios
n/a
| Beneficios por acción (BPA) | -0.65 |
| Margen bruto | 100.00% |
| Margen de beneficio neto | -18.54% |
| Ratio deuda/patrimonio | 1,900.0% |
¿Cómo se ha desempeñado NAVI a largo plazo?
Ver rendimiento histórico y comparativaDividendos
7.9%
Rentabilidad actual por dividendo-102%
Ratio de pagosAnálisis de la empresa y estado de los datos financieros
| Datos | Última actualización (huso horario UTC) |
|---|---|
| Análisis de la empresa | 2026/05/27 00:03 |
| Precio de las acciones al final del día | 2026/05/27 00:00 |
| Beneficios | 2026/03/31 |
| Ingresos anuales | 2025/12/31 |
Fuentes de datos
Los datos utilizados en nuestro análisis de empresas proceden de S&P Global Market Intelligence LLC. Los siguientes datos se utilizan en nuestro modelo de análisis para generar este informe. Los datos están normalizados, lo que puede introducir un retraso desde que la fuente está disponible.
| Paquete | Datos | Marco temporal | Ejemplo Fuente EE.UU. * |
|---|---|---|---|
| Finanzas de la empresa | 10 años |
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| Estimaciones del consenso de analistas | +3 años |
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| Precios de mercado | 30 años |
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| Propiedad | 10 años |
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| Gestión | 10 años |
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| Principales avances | 10 años |
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* Ejemplo para valores de EE.UU., para no EE.UU. se utilizan formularios y fuentes normativas equivalentes.
A menos que se especifique lo contrario, todos los datos financieros se basan en un periodo anual, pero se actualizan trimestralmente. Esto se conoce como datos de los últimos doce meses (TTM) o de los últimos doce meses (LTM). Más información.
Modelo de análisis y copo de nieve
Los detalles del modelo de análisis utilizado para generar este informe están disponibles en nuestra página de Github, también tenemos guías sobre cómo utilizar nuestros informes y tutoriales en Youtube.
Conozca al equipo de talla mundial que diseñó y construyó el modelo de análisis Simply Wall St.
Métricas industriales y sectoriales
Simply Wall St calcula cada 6 horas nuestras métricas sectoriales y de sección. Los detalles de nuestro proceso están disponibles en Github.
Fuentes analistas
Navient Corporation está cubierta por 22 analistas. 5 de esos analistas presentaron las estimaciones de ingresos o ganancias utilizadas como datos para nuestro informe. Las estimaciones de los analistas se actualizan a lo largo del día.
| Analista | Institución |
|---|---|
| Mark DeVries | Barclays |
| Terry Ma | Barclays |
| James Fotheringham | BMO Capital Markets Equity Research |