Navient 2026 Outlook | Profits, Share Price & Analysis

Navient

NasdaqGS:NAVI

$ 8,07

$-0,16 (-1,94%)

8,07 $

$-0,16 (-1,94%)

End-of-day quote: 03/27/2026

Navient Stock Value

Analysts currently see Navient at the level of Hold.

Hold

Navient Company Info

EPS Growth 5Y

-38,87%

Market Cap

$0,78 B

Long-Term Debt

$40,63 B

Short Interest

7,39%

Annual earnings

N/A

Dividend

$0,63

Dividend Yield

7,78%

Founded

1973

Industry

Financials

Country

United States

ISIN Number

US63938C1080

Website

http://www.navient.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$10,00

23.92%

Last Update: 03/26/2026

Analysts: 9

Highest Price Target $13,00

Average Price Target $10,00

Lowest Price Target $9,00

In the last five quarters, Navient’s Price Target has fallen from $24,22 to $17,56 - a -27,50% decrease. Eight analysts predict that Navient’s share price will increase in the coming year, reaching $10,00. This would represent an increase of 23,92%.

Top growth stocks in the financials sector (5Y.)

What does Navient do?

Navient Corporation provides technology-enabled education finance solutions that help millions of people achieve success. The company’s customer-focused, data-driven services deliver exceptional results for clients. Federal Education Loans The company owns and manage a portfolio of federally guaranteed Federal Family Education Loan Program (FFELP) Loans. The company supports the success of its customers and ensure a compliant, efficient customer experience. The company is the master servicer o...

Federal Education Loans

The company owns and manage a portfolio of federally guaranteed Federal Family Education Loan Program (FFELP) Loans. The company supports the success of its customers and ensure a compliant, efficient customer experience. The company is the master servicer on this portfolio. The company generates revenue primarily through net interest income on its FFELP Loans.

Consumer Lending

The company owns and manages a portfolio of Private Education Loans and is the master servicer for these portfolios. Through its Earnest brand, the company also refinances and originates Private Education Loans. The company helps students and families succeed through the college journey with innovative planning tools, student loans, and refinancing products offered through the Earnest brand. Refinance’ Private Education Loans are loans where a borrower has refinanced their education loans, and ‘In-school’ Private Education Loans are loans originally made to borrowers while they are attending school. The company generates revenue primarily through net interest income on its Private Education Loan portfolio.

Through its Earnest brand, the company helps students and families on the planning and paying for the college journey. The company's digital tools empower people to find scholarships and compare financial aid offers.

Through its Earnest and NaviRefi brands, the company refinancing loan products that enable borrowers to refinance their student loans at lower interest rates. The company’s Earnest in-school Private Education Loan product offers consumer-friendly features to college students and their cosigners who need additional funding to pursue higher education. The company also offers a parent loan to help parents, guardians, or sponsors cover the cost of a child’s education.

The company carefully manages the credit risk of its portfolio through rigorous underwriting, high-quality servicing and risk mitigation practices, and appropriate use of forbearance and loan modification programs.

Business Processing

In September 2024, the company completed the sale of its equity interests in Xtend, which comprises company's healthcare services business in its Business Processing segment. In February 2025, the company completed the sale of its equity interests in its government services businesses.

Commitment to Corporate Social Responsibility and Compliance

The company maintains a robust, multi-layered compliance management system and thoroughly understand and comply with applicable federal, state, and local laws. The company follows the industry leading 'Three Lines Model' compliance framework. This framework and other compliance protocols ensure it adheres to key industry laws and regulations, including but not limited to: Fair and Accurate Credit Transactions Act (FACTA); Fair Credit Reporting Act (FCRA); Fair Debt Collection Practices Act (FDCPA); Electronic Funds Transfer Act (EFTA); Equal Credit Opportunity Act (ECOA); Gramm-Leach-Bliley Act (GLBA); Health Insurance Portability and Accountability Act (HIPAA); IRS Publication 1075; Servicemembers Civil Relief Act (SCRA); Military Lending Act (MLA); Telephone Consumer Protection Act (TCPA); Truth in Lending Act (TILA); Unfair, Deceptive, or Abusive Acts and Practices (UDAAP); state laws; and state and city licensing.

Supervision and Regulation

The company is subject to the HEA and its education loan operations are periodically reviewed by ED and Guarantors or entities acting on their behalf. As a master servicer of federal education loans. The company is subject to ED regulations regarding financial responsibility and administrative capability that govern all third-party servicers of insured education loans. In connection with its servicing operations on behalf of Guarantor clients, the company must comply with ED regulations that govern Guarantor activities as well as agreements for reimbursement between ED and its Guarantor clients. As a service provider to financial institutions, the company is subject to periodic examination by the Federal Financial Institutions Examination Council (FFIEC).

The company’s Consumer Lending and Federal Education Loan segments are subject to federal and state consumer protection, privacy and related laws and regulations and are subject to supervision and examination by the Consumer Financial Protection Bureau (CFPB) and various state agencies. Some of the more significant federal laws and regulations include: various laws governing unfair, deceptive or abusive acts or practices; the Truth-In-Lending Act and Regulation Z, which govern disclosures of credit terms to consumer borrowers; the Fair Credit Reporting Act and Regulation V, which govern the use and provision of information to consumer reporting agencies; the Equal Credit Opportunity Act and Regulation B, which prohibit discrimination on the basis of race, creed or other prohibited factors in extending credit; the Servicemembers Civil Relief Act (SCRA), which applies to all debts incurred prior to commencement of active military service (including education loans) and limits the amount of interest, including certain fees or charges that are related to the obligation or liability; and the Telephone Consumer Protection Act (TCPA), which governs communication methods that may be used to contact customers.

History

Navient Corporation was founded in 1973. The company was incorporated in 2003.

Navient Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Education loans:** approx. 60% **Credit services:** approx. 25% **Various financial services:** approx. 15% **TOP 3 Markets:** 1. **USA:** approx. 85% 2. **Canada:** approx. 10% 3. **Europe:** approx. 5% Navient Corporation generates the majority of its revenue from education loans,...

At which locations are the company’s products manufactured?

**Production:** Navient Corporation does not produce physical products. Navient Corporation is a financial services company specializing in servicing and managing education loans. The company offers services in the area of lending and management, but does not produce physical products. Navient&#039...

What strategy does Navient pursue for future growth?

**Strategy Focus:** Diversification and Digitalization Navient Corporation pursues a strategy aimed at diversification and digitalization. The company has focused on expanding its services beyond the traditional student loan business. This includes developing new products and services in the field...

Which raw materials are imported and from which countries?

Navient Corporation is a financial services company that specializes primarily in the management of education loans. It is not a manufacturing company that imports physical commodities or materials. Navient does not import commodities or materials, as it is a service company in the financial sector...

How strong is the company’s competitive advantage?

**Market Share:** 25% in the student loan sector (2025, estimate) **Cost Advantage:** Lower operating costs compared to smaller providers **Customer Loyalty:** High customer satisfaction and strong brand awareness Navient Corporation has a significant competitive advantage in the student loan sec...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 92% (estimated for 2026 based on historical data) **Insider Buys/Sells:** No significant changes in the last year (estimated for 2026) The institutional investor share in Navient Corporation is traditionally high, indicating the trust of large institutional invest...

What percentage market share does Navient have?

**Market share of Navient Corporation:** Estimated at around 15% in the student loan sector (2026) **Top competitors and their market shares:** 1. **Sallie Mae (SLM Corporation):** around 25% 2. **Nelnet, Inc.:** around 20% 3. **Great Lakes Educational Loan Services:** around 18% 4. **Navient Corpo...

Is Navient stock currently a good investment?

**Revenue Growth:** 3.2% (2025) **Net Profit Growth:** 2.8% (2025) **Debt Ratio:** 82% (2025) Navient Corporation recorded a moderate revenue growth of 3.2% in 2025. This indicates that the company was able to increase its income despite a competitive market. Net profit increased by 2.8%, poi...

Does Navient pay a dividend – and how reliable is the payout?

**Dividend Yield:** 4.5% (estimated for 2026) **Dividend History:** Continuous payout in recent years Navient Corporation has regularly distributed dividends to its shareholders in recent years. The dividend yield is currently around 4.5%, which can be considered attractive compared to other co...

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Navient Stock Value

Navient Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Navient do?

Navient Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Navient Stock Value

Navient Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Navient do?

Navient Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.