Navient Past Earnings Performance
Past criteria checks 0/6
Navient's earnings have been declining at an average annual rate of -54.7%, while the Consumer Finance industry saw earnings declining at 1.1% annually. Revenues have been declining at an average rate of 32.4% per year.
Key information
-54.67%
Earnings growth rate
-48.12%
EPS growth rate
| Consumer Finance Industry Growth | 7.20% |
| Revenue growth rate | -32.43% |
| Return on equity | -2.56% |
| Net Margin | -18.54% |
| Last Earnings Update | 31 Mar 2026 |
Recent past performance updates
Recent updates
Narrative Update • 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.
Narrative Update • 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
Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Analysis Article • 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...Analysis Article • 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 AlphaAnalysis Article • 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...Analysis Article • 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...
New Narrative • 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.Analysis Article • 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...Revenue & Expenses Breakdown
Revenue & Expenses Breakdown
How Navient makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 26 | 329 | -61 | 132 | 0 |
| 31 Dec 25 | 330 | -80 | 149 | 0 |
| 30 Sep 25 | 443 | -51 | 173 | 0 |
| 30 Jun 25 | 584 | 33 | 212 | 0 |
| 31 Mar 25 | 699 | 56 | 264 | 0 |
| 31 Dec 24 | 848 | 131 | 316 | 0 |
| 30 Sep 24 | 817 | 79 | 358 | 0 |
| 30 Jun 24 | 1,032 | 160 | 386 | 0 |
| 31 Mar 24 | 1,095 | 190 | 397 | 0 |
| 31 Dec 23 | 1,156 | 228 | 401 | 0 |
| 30 Sep 23 | 1,296 | 361 | 409 | 0 |
| 30 Jun 23 | 1,309 | 387 | 416 | 0 |
| 31 Mar 23 | 1,450 | 501 | 429 | 0 |
| 31 Dec 22 | 1,658 | 645 | 444 | 0 |
| 30 Sep 22 | 1,858 | 529 | 473 | 0 |
| 30 Jun 22 | 1,988 | 597 | 508 | 0 |
| 31 Mar 22 | 2,062 | 602 | 540 | 0 |
| 31 Dec 21 | 2,272 | 717 | 569 | 0 |
| 30 Sep 21 | 2,272 | 913 | 568 | 0 |
| 30 Jun 21 | 2,279 | 948 | 548 | 0 |
| 31 Mar 21 | 2,157 | 888 | 522 | 0 |
| 31 Dec 20 | 1,533 | 412 | 497 | 0 |
| 30 Sep 20 | 1,495 | 399 | 478 | 0 |
| 30 Jun 20 | 1,440 | 335 | 476 | 0 |
| 31 Mar 20 | 1,455 | 363 | 484 | 0 |
| 31 Dec 19 | 1,738 | 597 | 488 | 0 |
| 30 Sep 19 | 1,604 | 497 | 499 | 0 |
| 30 Jun 19 | 1,587 | 466 | 501 | 0 |
| 31 Mar 19 | 1,513 | 397 | 501 | 0 |
| 31 Dec 18 | 1,553 | 395 | 507 | 0 |
| 30 Sep 18 | 1,688 | 239 | 518 | 0 |
| 30 Jun 18 | 1,775 | 302 | 525 | 0 |
| 31 Mar 18 | 1,853 | 330 | 523 | 0 |
| 31 Dec 17 | 1,785 | 292 | 519 | 0 |
| 30 Sep 17 | 1,808 | 522 | 502 | 0 |
| 30 Jun 17 | 1,910 | 576 | 497 | 0 |
| 31 Mar 17 | 1,944 | 588 | 498 | 0 |
| 31 Dec 16 | 2,094 | 681 | 500 | 0 |
| 30 Sep 16 | 2,244 | 808 | 502 | 0 |
| 30 Jun 16 | 2,239 | 814 | 485 | 0 |
| 31 Mar 16 | 2,349 | 872 | 476 | 0 |
| 31 Dec 15 | 2,521 | 983 | 467 | 0 |
| 30 Sep 15 | 2,518 | 973 | 456 | 0 |
| 30 Jun 15 | 2,621 | 1,098 | 459 | 0 |
Quality Earnings: NAVI is currently unprofitable.
Growing Profit Margin: NAVI is currently unprofitable.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: NAVI is unprofitable, and losses have increased over the past 5 years at a rate of 54.7% per year.
Accelerating Growth: Unable to compare NAVI's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: NAVI is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (22.2%).
Return on Equity
High ROE: NAVI has a negative Return on Equity (-2.56%), as it is currently unprofitable.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/29 22:43 |
| End of Day Share Price | 2026/06/29 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
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 |
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| 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
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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 20 analysts. 5 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 |
|---|---|
| Mark DeVries | Barclays |
| Terry Ma | Barclays |
| James Fotheringham | BMO Capital Markets Equity Research |