Navient Balance Sheet Health
Financial Health criteria checks 3/6
Navient has a total shareholder equity of $2.6B and total debt of $47.9B, which brings its debt-to-equity ratio to 1850.8%. Its total assets and total liabilities are $51.0B and $48.4B respectively.
Key information
1,850.79%
Debt to equity ratio
US$47.92b
Debt
| Interest coverage ratio | n/a |
| Cash | US$679.00m |
| Equity | US$2.59b |
| Total liabilities | US$48.36b |
| Total assets | US$50.95b |
Recent financial health updates
No updates
Recent updates
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 24
Navient: 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 28Navient (NASDAQ:NAVI) Is Paying Out A Dividend Of $0.16
Feb 19Navient Corporation's (NASDAQ:NAVI) Shares Lagging The Market But So Is The Business
Feb 04Navient (NASDAQ:NAVI) Is Due To Pay A Dividend Of $0.16
Nov 24Navient (NASDAQ:NAVI) Will Pay A Dividend Of $0.16
Aug 29Navient (NASDAQ:NAVI) Has Affirmed Its Dividend Of $0.16
Aug 15Navient (NASDAQ:NAVI) Has Announced A Dividend Of $0.16
Feb 27Biden student loan forgiveness program to cost over $400B, CBO says
Sep 26Navient cut to Equal-Weight at Barclays as student loan forgiveness poses risk to earnings
Sep 09Navient (NASDAQ:NAVI) Is Paying Out A Dividend Of $0.16
Aug 15Navient Non-GAAP EPS of $0.92 beats by $0.14, NII of $321M beats by $69.8M
Jul 26Financial Position Analysis
Short Term Liabilities: NAVI's short term assets ($49.9B) exceed its short term liabilities ($5.0B).
Long Term Liabilities: NAVI's short term assets ($49.9B) exceed its long term liabilities ($43.3B).
Debt to Equity History and Analysis
Debt Level: NAVI's net debt to equity ratio (1824.6%) is considered high.
Reducing Debt: NAVI's debt to equity ratio has reduced from 4424.3% to 1850.8% over the past 5 years.
Debt Coverage: NAVI's debt is not well covered by operating cash flow (0.7%).
Interest Coverage: Insufficient data to determine if NAVI's interest payments on its debt are well covered by EBIT.
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/05/27 20:09 |
| End of Day Share Price | 2025/05/23 00:00 |
| Earnings | 2025/03/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Navient Corporation is covered by 23 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Terry Ma | Barclays |
| Mark DeVries | Barclays |
| James Fotheringham | BMO Capital Markets Equity Research |