Navient (NAVI) 주식 개요
Navient Corporation은 미국 교육을 위한 기술 기반 교육 금융을 제공합니다. 자세히 보기
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Analyst Price Targets
Top Community Narratives
US$14.34
FV
36.1% 저평가 내재 할인율38
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Navient Corporation 경쟁사
가격 이력 및 성과
| 과거 주가 | |
|---|---|
| 현재 주가 | US$9.17 |
| 52주 최고가 | US$16.07 |
| 52주 최저가 | US$7.80 |
| 베타 | 1.29 |
| 1개월 변동 | 10.48% |
| 3개월 변동 | -8.12% |
| 1년 변동 | -28.13% |
| 3년 변동 | -38.99% |
| 5년 변동 | -47.12% |
| IPO 이후 변동 | 1,053.11% |
최근 뉴스 및 업데이트
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.
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.Recent updates
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.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.
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.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.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.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.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.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.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.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.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.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.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.Navient (NASDAQ:NAVI) Will Pay A Dividend Of $0.16
Aug 18
Navient Baby Bond: Lock In 9.6% YTM With At Least 11% Upside
May 14Improved Earnings Required Before Navient Corporation (NASDAQ:NAVI) Shares Find Their Feet
Apr 24Navient: Deeply Discounted Valuation, But Capital Allocation Will Be Key
Mar 28Navient (NASDAQ:NAVI) Is Paying Out A Dividend Of $0.16
Feb 27Navient Corporation's (NASDAQ:NAVI) Prospects Need A Boost To Lift Shares
Oct 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.Navient (NASDAQ:NAVI) Has Affirmed Its Dividend Of $0.16
Aug 18Navient (NASDAQ:NAVI) Has Announced A Dividend Of $0.16
May 28주주 수익률
| NAVI | US Consumer Finance | US 시장 | |
|---|---|---|---|
| 7D | 2.5% | -1.0% | 0.9% |
| 1Y | -28.1% | 11.5% | 28.2% |
수익률 대 산업: NAVI은 지난 1년 동안 11.5%의 수익을 기록한 US Consumer Finance 산업보다 저조한 성과를 냈습니다.
수익률 대 시장: NAVI은 지난 1년 동안 28.2%를 기록한 US 시장보다 저조한 성과를 냈습니다.
주가 변동성
| NAVI volatility | |
|---|---|
| NAVI Average Weekly Movement | 4.4% |
| Consumer Finance Industry Average Movement | 6.9% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.2% |
안정적인 주가: NAVI는 지난 3개월 동안 US 시장에 비해 주가 변동성이 크지 않았습니다.
시간에 따른 변동성: NAVI의 주간 변동성(4%)은 지난 1년 동안 안정적이었습니다.
회사 소개
| 설립 | 직원 수 | CEO | 웹사이트 |
|---|---|---|---|
| 1973 | 670 | Dave Yowan | www.navient.com |
Navient Corporation은 미국 교육을 위한 기술 기반 교육 금융을 제공합니다. 이 회사는 두 가지 부문으로 운영됩니다: 연방 교육 대출과 소비자 대출입니다. 이 회사는 사립 교육 대출 포트폴리오를 소유 및 관리하며, 교육 대출 및 디지털 금융 서비스, 학교 내 학자금 대출, Earnest 브랜드로 재융자 상품을 제공합니다.
Navient Corporation 기초 지표 요약
| NAVI 기초 통계 | |
|---|---|
| 시가총액 | US$861.88m |
| 순이익 (TTM) | -US$61.00m |
| 매출 (TTM) | US$329.00m |
2.6x
주가매출비율(P/S)-14.1x
주가수익비율(P/E)NAVI는 고평가되어 있습니까?
공정 가치 및 평가 분석 보기순이익 및 매출
| NAVI 손익계산서 (TTM) | |
|---|---|
| 매출 | US$329.00m |
| 매출원가 | -US$38.00m |
| 총이익 | US$367.00m |
| 기타 비용 | US$428.00m |
| 순이익 | -US$61.00m |
최근 보고된 실적
Mar 31, 2026
다음 실적 발표일
해당 없음
| 주당순이익(EPS) | -0.65 |
| 총이익률 | 111.55% |
| 순이익률 | -18.54% |
| 부채/자본 비율 | 1,896.2% |
NAVI의 장기 실적은 어땠습니까?
과거 실적 및 비교 보기배당
7.0%
현재 배당 수익률-102%
배당 성향기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/05/03 05:35 |
| 종가 | 2026/05/01 00:00 |
| 수익 | 2026/03/31 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
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| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
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* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.
Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.
산업 및 섹터 지표
산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.
분석가 소스
Navient Corporation는 22명의 분석가가 다루고 있습니다. 이 중 4명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| Mark DeVries | Barclays |
| Terry Ma | Barclays |
| James Fotheringham | BMO Capital Markets Equity Research |