Navient (NAVI) Panoramica del titolo
Navient Corporation fornisce finanziamenti tecnologici per l'istruzione negli Stati Uniti. Maggiori dettagli
| Punteggio fiocco di neve | |
|---|---|
| Valutazione | 1/6 |
| Crescita futura | 5/6 |
| Prestazioni passate | 0/6 |
| Salute finanziaria | 3/6 |
| Dividendi | 4/6 |
NAVI Community Fair Values
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Analyst Price Targets
Top Community Narratives
US$14.34
FV
42.5% sottovalutato sconto intrinseco43
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Concorrenti di Navient Corporation
Storia dei prezzi e prestazioni
| Prezzi storici delle azioni | |
|---|---|
| Prezzo attuale dell'azione | US$8.24 |
| Massimo di 52 settimane | US$15.26 |
| Minimo di 52 settimane | US$7.33 |
| Beta | 1.21 |
| Variazione di 1 mese | 3.39% |
| Variazione a 3 mesi | 0.98% |
| Variazione di 1 anno | -45.93% |
| Variazione a 3 anni | -56.97% |
| Variazione a 5 anni | -58.68% |
| Variazione dall'IPO | 936.17% |
Notizie e aggiornamenti recenti
Aggiornamento della narrazione • Jun 25
NAVI: Capital Returns And CEO Transition Will Support Future Upside
Analysts have adjusted the Navient price target slightly higher to $12.41 from $12.16, reflecting updated views on fair value, the discount rate, revenue growth, and profit margin assumptions. Analyst Commentary Recent Street research on Navient shows a mixed but active backdrop, with both upward and downward price target revisions as analysts refresh their views on fair value, execution, and risk.
Aggiornamento della narrazione • Jun 10
NAVI: Mixed Revisions And New Leadership Will Keep Earnings Durability Under Review
Analysts have nudged their average price target for Navient higher by $1, citing updated assumptions around revenue growth, profitability, and valuation that refine rather than overhaul their prior views. Analyst Commentary Recent research has been mixed, with some firms lifting their price targets by US$1 while others have moved in the opposite direction.Seeking Alpha • Jun 01
Navient: We Wonder About End Market Growth
Summary Navient Corporation (NAVI) is restructuring as it oursources servicing and focuses on consumer lending. NAVI should benefit from higher rates and a mix shift to consumer loans as a consequence of shifting away from FFELP. Loan loss provisions have not yet risen despite macro risks; further increases are expected as cost of capital and credit concerns mount in macro. We also wonder how sustainable origination growth will be. We are concerned due to demographics and education ROI whether end market growth can be sustained. AI, higher tuition costs and also just a generally high share of not very useful courses at university could start impacting behaviours and direct more people to the trades. Read the full article on Seeking AlphaRecent updates
Aggiornamento della narrazione • Jun 25
NAVI: Capital Returns And CEO Transition Will Support Future Upside
Analysts have adjusted the Navient price target slightly higher to $12.41 from $12.16, reflecting updated views on fair value, the discount rate, revenue growth, and profit margin assumptions. Analyst Commentary Recent Street research on Navient shows a mixed but active backdrop, with both upward and downward price target revisions as analysts refresh their views on fair value, execution, and risk.Aggiornamento della narrazione • Jun 10
NAVI: Mixed Revisions And New Leadership Will Keep Earnings Durability Under Review
Analysts have nudged their average price target for Navient higher by $1, citing updated assumptions around revenue growth, profitability, and valuation that refine rather than overhaul their prior views. Analyst Commentary Recent research has been mixed, with some firms lifting their price targets by US$1 while others have moved in the opposite direction.Seeking Alpha • Jun 01
Navient: We Wonder About End Market Growth
Summary Navient Corporation (NAVI) is restructuring as it oursources servicing and focuses on consumer lending. NAVI should benefit from higher rates and a mix shift to consumer loans as a consequence of shifting away from FFELP. Loan loss provisions have not yet risen despite macro risks; further increases are expected as cost of capital and credit concerns mount in macro. We also wonder how sustainable origination growth will be. We are concerned due to demographics and education ROI whether end market growth can be sustained. AI, higher tuition costs and also just a generally high share of not very useful courses at university could start impacting behaviours and direct more people to the trades. Read the full article on Seeking Alpha
Aggiornamento della narrazione • May 27
NAVI: Mixed Repricing And New Leadership Will Shape Risk Balance Into 2026
Navient's updated analyst price target edges higher by about $0.13 per share to align with recent target increases of $1 at several firms, with analysts pointing to revised assumptions for discount rates, margins, and future P/E as key drivers. Analyst Commentary Recent price target changes on Navient have been mixed, with several bullish analysts lifting targets by about US$1 and a group of more cautious analysts trimming targets by US$1 to US$3.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Articolo di analisi • 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...Articolo di analisi • 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 AlphaArticolo di analisi • 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...Articolo di analisi • 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...
Nuova narrazione • 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.Articolo di analisi • 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...Rendimenti per gli azionisti
| NAVI | US Consumer Finance | US Mercato | |
|---|---|---|---|
| 7D | -4.3% | -1.0% | 0.8% |
| 1Y | -45.9% | 2.5% | 20.6% |
Ritorno vs Industria: NAVI ha avuto una performance inferiore rispetto al US Consumer Finance che ha registrato un rendimento 2.5 % nell'ultimo anno.
Rendimento vs Mercato: NAVI ha avuto una performance inferiore al mercato US che ha registrato un rendimento 20.6 % nell'ultimo anno.
Volatilità dei prezzi
| NAVI volatility | |
|---|---|
| NAVI Average Weekly Movement | 5.9% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.2% |
Prezzo delle azioni stabile: NAVI non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato US.
Volatilità nel tempo: La volatilità settimanale ( 6% ) di NAVI è rimasta stabile nell'ultimo anno.
Informazioni sull'azienda
| Fondato | I dipendenti | AMMINISTRATORE DELEGATO | Sito web |
|---|---|---|---|
| 1973 | 670 | Ed Bramson | www.navient.com |
Navient Corporation fornisce finanziamenti tecnologici per l'istruzione negli Stati Uniti. Opera attraverso due segmenti: Federal Education Loans e Consumer Lending. L'azienda possiede e gestisce un portafoglio di prestiti per l'istruzione privata e offre prestiti per l'istruzione e servizi finanziari digitali, prestiti per studenti in ambito scolastico e prodotti di rifinanziamento con il marchio Earnest.
Navient Corporation Riepilogo dei fondamenti
| NAVI statistiche fondamentali | |
|---|---|
| Capitalizzazione di mercato | US$774.47m |
| Utili (TTM) | -US$61.00m |
| Ricavi(TTM) | US$329.00m |
2.4x
Rapporto P/S-12.7x
Rapporto P/ENAVI è sopravvalutato?
Vedi Fair Value e analisi di valutazioneUtili e ricavi
| NAVI Conto economico (TTM) | |
|---|---|
| Ricavi | US$329.00m |
| Costo del fatturato | US$0 |
| Profitto lordo | US$329.00m |
| Altre spese | US$390.00m |
| Utili | -US$61.00m |
Ultimi utili riportati
Mar 31, 2026
Prossima data di guadagno
Aug 06, 2026
| Utile per azione (EPS) | -0.65 |
| Margine lordo | 100.00% |
| Margine di profitto netto | -18.54% |
| Rapporto debito/patrimonio netto | 1,900.0% |
Come si è comportato NAVI nel lungo periodo?
Vedi performance storica e confrontoDividendi
7.8%
Rendimento attuale del dividendo-102%
Rapporto di remunerazioneAnalisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/07/12 20:21 |
| Prezzo dell'azione a fine giornata | 2026/07/10 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
|
|
| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
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* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; disponiamo inoltre di guide su come utilizzare i nostri report e di tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
Navient Corporation è coperta da 20 analisti. 6 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Mark DeVries | Barclays |
| Terry Ma | Barclays |
| James Fotheringham | BMO Capital Markets Equity Research |