Navient (NAVI) Hisse Özeti
Navient Corporation, Amerika Birleşik Devletleri'nde eğitim için teknoloji destekli eğitim finansmanı sağlamaktadır. Daha fazla detay
| Kar Tanesi Skoru | |
|---|---|
| Değerleme | 2/6 |
| Gelecekteki Büyüme | 5/6 |
| Geçmiş Performans | 0/6 |
| Finansal Sağlık | 3/6 |
| Temettüler | 4/6 |
NAVI Community Fair Values
Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Top Community Narratives
US$14.34
FV
41.1% değerinin altında içsel indirim39
users have viewed this narrative0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
Navient Corporation Rakipler
Fiyat Geçmişi ve Performans
| Tarihsel hisse senedi fiyatları | |
|---|---|
| Güncel Hisse Fiyatı | US$8.44 |
| 52 Haftanın En Yüksek Seviyesi | US$16.07 |
| 52 Haftanın En Düşük Seviyesi | US$7.80 |
| Beta | 1.26 |
| 1 Aylık Değişim | -5.49% |
| 3 Aylık Değişim | -9.93% |
| 1 Yıllık Değişim | -36.30% |
| 3 Yıllık Değişim | -45.72% |
| 5 Yıllık Değişim | -53.80% |
| Halka arzdan bu yana değişim | 961.32% |
Son Haberler & Güncellemeler
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.Recent updates
Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Analiz Makalesi • 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 AlphaAnaliz Makalesi • 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 AlphaAnaliz Makalesi • 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...Analiz Makalesi • 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...
Yeni Anlatı • 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.Analiz Makalesi • 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...Analiz Makalesi • 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...Hissedar Getirileri
| NAVI | US Consumer Finance | US Pazar | |
|---|---|---|---|
| 7D | 3.7% | -0.5% | 1.0% |
| 1Y | -36.3% | 7.7% | 28.7% |
Getiri vs. Endüstri: NAVI geçen yıl % 7.7 oranında getiri sağlayan US Consumer Finance sektörünün gerisinde kaldı.
Getiri vs Piyasa: NAVI geçen yıl % 28.7 oranında getiri sağlayan US Piyasasının altında performans gösterdi.
Fiyat Oynaklığı
| NAVI volatility | |
|---|---|
| NAVI Average Weekly Movement | 4.7% |
| Consumer Finance Industry Average Movement | 6.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.1% |
İstikrarlı Hisse Senedi Fiyatı: NAVI son 3 ayda US piyasasına kıyasla önemli bir fiyat oynaklığı yaşamadı.
Zaman İçindeki Volatilite: NAVI 'nin haftalık oynaklığı ( 5% ) son bir yıldır istikrarlı seyretti.
Şirket Hakkında
| Kuruldu | Çalışanlar | CEO | Web sitesi |
|---|---|---|---|
| 1973 | 670 | Dave Yowan | www.navient.com |
Navient Corporation, Amerika Birleşik Devletleri'nde eğitim için teknoloji destekli eğitim finansmanı sağlamaktadır. İki segment üzerinden faaliyet göstermektedir: Federal Eğitim Kredileri ve Tüketici Kredileri. Şirket, özel eğitim kredileri portföyünün sahibi ve yöneticisidir; ve Earnest markası altında eğitim kredisi ve dijital finansal hizmetler, okul içi öğrenci kredileri ve refinansman ürünleri sunmaktadır.
Navient Corporation Temel Bilgiler Özeti
| NAVI temel i̇stati̇sti̇kler | |
|---|---|
| Piyasa değeri | US$784.81m |
| Kazançlar(TTM) | -US$61.00m |
| Gelir(TTM) | US$329.00m |
2.4x
P/S Oranı-13.0x
F/K OranıNAVI aşırı değerli mi?
Gerçeğe Uygun Değer ve değerleme analizine bakınızKazanç ve Gelir
| NAVI gelir tablosu (TTM) | |
|---|---|
| Gelir | US$329.00m |
| Gelir Maliyeti | US$0 |
| Brüt Kâr | US$329.00m |
| Diğer Giderler | US$390.00m |
| Kazançlar | -US$61.00m |
Son Raporlanan Kazançlar
Mar 31, 2026
Sonraki Kazanç Tarihi
n/a
| Hisse başına kazanç (EPS) | -0.65 |
| Brüt Marj | 100.00% |
| Net Kâr Marjı | -18.54% |
| Borç/Özkaynak Oranı | 1,900.0% |
NAVI uzun vadede nasıl bir performans gösterdi?
Geçmiş performansı ve karşılaştırmayı görünTemettüler
7.6%
Mevcut Temettü Verimi-102%
Ödeme OranıŞirket Analizi ve Finansal Veri Durumu
| Veri | Son Güncelleme (UTC saati) |
|---|---|
| Şirket Analizi | 2026/05/22 13:42 |
| Gün Sonu Hisse Fiyatı | 2026/05/22 00:00 |
| Kazançlar | 2026/03/31 |
| Yıllık Kazançlar | 2025/12/31 |
Veri Kaynakları
Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.
| Paket | Veri | Zaman Çerçevesi | Örnek ABD Kaynağı * |
|---|---|---|---|
| Şirket Finansalları | 10 yıl |
| |
| Analist Konsensüs Tahminleri | +3 yıl |
|
|
| Piyasa Fiyatları | 30 yıl |
| |
| Sahiplik | 10 yıl |
| |
| Yönetim | 10 yıl |
| |
| Önemli Gelişmeler | 10 yıl |
|
* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.
Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.
Analiz Modeli ve Kar Tanesi
Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına GitHub sayfamızdan ulaşabilirsiniz, ayrıca raporlarımızı nasıl kullanacağınızı anlatan kılavuzlarımız ve Youtube'da eğitim videolarımız da bulunmaktadır.
Simply Wall St analiz modelini tasarlayan ve oluşturan dünya standartlarındaki ekip hakkında bilgi edinin.
Endüstri ve Sektör Metrikleri
Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.
Analist Kaynakları
Navient Corporation 22 Bu analistlerden 5, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.
| Analist | Kurum |
|---|---|
| Mark DeVries | Barclays |
| Terry Ma | Barclays |
| James Fotheringham | BMO Capital Markets Equity Research |