Navient Corporation

Report azionario NasdaqGS:NAVI

Capitalizzazione di mercato: US$793.3m

Navient Crescita futura

Criteri Future verificati 5/6

Navient prevede che gli utili e i ricavi cresceranno rispettivamente di 109.1% e 33.8% all'anno. Si prevede che l'EPS crescerà di 112.4% all'anno. Si prevede che il ritorno sul capitale proprio sarà di 3.4% in 3 anni.

Informazioni chiave

109.1%

Tasso di crescita degli utili

112.39%

Tasso di crescita dell'EPS

Consumer Finance crescita degli utili19.1%
Tasso di crescita dei ricavi33.8%
Rendimento futuro del capitale proprio3.44%
Copertura analitica

Low

Ultimo aggiornamento19 May 2026

Aggiornamenti recenti sulla crescita futura

Recent updates

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...
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 Alpha
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 Alpha
Articolo 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...
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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...
Articolo di analisi • 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...

Previsioni di crescita degli utili e dei ricavi

NasdaqGS:NAVI - Stime future degli analisti e dati finanziari passati (USD Millions )
DataRicaviUtiliFlusso di cassa liberoLiquidità dell'operazioneAvg. Numero di analisti
12/31/202764481N/AN/A5
12/31/202657371N/AN/A5
3/31/2026329-61323323N/A
12/31/2025330-80441441N/A
9/30/2025443-51275275N/A
6/30/202558433195195N/A
3/31/202569956348348N/A
12/31/2024848131459459N/A
9/30/202481779761761N/A
6/30/20241,032160893893N/A
3/31/20241,095190713713N/A
12/31/20231,156228676676N/A
9/30/20231,296361573573N/A
6/30/20231,309387519519N/A
3/31/20231,450501559559N/A
12/31/20221,658645305305N/A
9/30/20221,858529266266N/A
6/30/20221,988597399399N/A
3/31/20222,062602414414N/A
12/31/20212,272717702702N/A
9/30/20212,272913705705N/A
6/30/20212,279948725725N/A
3/31/20212,157888713713N/A
12/31/20201,533412987987N/A
9/30/20201,4953991,0041,004N/A
6/30/20201,4403351,0921,092N/A
3/31/20201,4553631,2841,284N/A
12/31/20191,738597N/A1,019N/A
9/30/20191,604497N/A1,316N/A
6/30/20191,587466N/A1,180N/A
3/31/20191,513397N/A1,044N/A
12/31/20181,553395N/A1,140N/A
9/30/20181,688239N/A899N/A
6/30/20181,775302N/A1,010N/A
3/31/20181,853330N/A1,085N/A
12/31/20171,785292N/A1,158N/A
9/30/20171,808522N/A1,157N/A
6/30/20171,910576N/A1,216N/A
3/31/20171,944588N/A1,372N/A
12/31/20162,094681N/A1,347N/A
9/30/20162,244808N/A1,565N/A
6/30/20162,239814N/A1,626N/A
3/31/20162,349872N/A1,753N/A
12/31/20152,521983N/A1,910N/A
9/30/20152,518973N/A1,508N/A
6/30/20152,6211,098N/A1,606N/A

Previsioni di crescita futura degli analisti

Guadagni vs tasso di risparmio: Si prevede che NAVI diventerà redditizio nei prossimi 3 anni, il che è considerato una crescita più rapida del tasso di risparmio ( 3.5% ).

Guadagni vs Mercato: Si prevede che NAVI diventerà redditizia nei prossimi 3 anni, il che è considerato una crescita superiore alla media del mercato.

Guadagni ad alta crescita: Si prevede NAVI diventerà redditizia nei prossimi 3 anni.

Ricavi vs Mercato: Si prevede che il fatturato di NAVI ( 33.8% all'anno) crescerà più rapidamente del mercato US ( 11.8% all'anno).

Ricavi ad alta crescita: Si prevede che il fatturato di NAVI ( 33.8% all'anno) crescerà più rapidamente di 20% all'anno.

Previsioni di crescita dell'utile per azione

Rendimento futuro del capitale proprio

ROE futuro: Si prevede che il Return on Equity di NAVI sarà basso tra 3 anni ( 3.4 %).

Scoprire le aziende in crescita

7D

1Y

7D

1Y

7D

1Y

Analisi aziendale e situazione dei dati finanziari

DatiUltimo aggiornamento (ora UTC)
Analisi dell'azienda2026/05/26 16:10
Prezzo dell'azione a fine giornata2026/05/26 00:00
Utili2026/03/31
Utili annuali2025/12/31

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.

PacchettoDatiTempisticaEsempio Fonte USA *
Dati finanziari della società10 anni
  • Conto economico
  • Rendiconto finanziario
  • Bilancio
Stime di consenso degli analisti+3 anni
  • Previsioni finanziarie
  • Obiettivi di prezzo degli analisti
Prezzi di mercato30 anni
  • Prezzi delle azioni
  • Dividendi, scissioni e azioni
Proprietà10 anni
  • Top azionisti
  • Insider trading
Gestione10 anni
  • Team di leadership
  • Consiglio di amministrazione
Sviluppi principali10 anni
  • Annunci aziendali

* 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; abbiamo anche guide su come utilizzare i nostri report e 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 22 analisti. 5 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.

AnalistaIstituzione
Mark DeVriesBarclays
Terry MaBarclays
James FotheringhamBMO Capital Markets Equity Research