Navient Corp

Chart & Performance

D1W1MN

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P/E

14.17

P/S

0.49

EPS

1.30

Div Yield, %

6.13%

Shrs. gr., 5y

-14.10%

Rev. gr., 5y

13.80%

Revenues

3.81b

-13.80%

Net income

131m

-42.54%

CFO

459m

-32.10%

Dividend

Sep 13, 20240.375 USD/sh

Earnings

Jul 22, 2025

Profile

Navient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing and asset recovery services on its own loan portfolio, as well as asset recovery services on FFELP loans owned by other institutions. It also owns, originates, acquires, and services refinance and in-school private education loans; and offers healthcare services that include revenue cycle outsourcing, accounts receivable management, extended business office support, consulting engagement, and public health programs, as well as business processing services to state governments, agencies, court systems, municipalities, and parking and tolling authorities. In addition, the company provides customizable solutions for its clients that include hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments; and corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware.

URL

https://www.navient.com/

IPO date

Apr 17, 2014

Employees

4,000

Domiciled in

Incorporated in

Valuation

Order:

Title USD in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title USD in thousands, except ratios and share amounts	2024‑12	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12
Income
Revenues	3,809,000 -13.80%	4,419,000 154.40%	1,737,000 -21.44%
Cost of revenue	632,000	1,201,000	997,000
Unusual Expense (Income)
NOPBT	3,177,000	3,218,000	740,000
NOPBT Margin	83.41%	72.82%	42.60%
Operating Taxes	43,000	85,000	182,000
Tax Rate	1.35%	2.64%	24.59%
NOPAT	3,134,000	3,133,000	558,000
Net income	131,000 -42.54%	228,000 -64.65%	645,000 -10.04%
Dividends	(70,000)	(78,000)	(91,000)
Dividend yield	4.83%	3.41%	3.84%
Proceeds from repurchase of equity	(179,000)	(310,000)	(400,000)
BB yield	12.36%	13.54%	16.89%
Debt
Debt current	5,134,000	4,226,000	5,870,000
Long-term debt		53,402,000	61,026,000
Deferred revenue			67,818,000
Other long-term liabilities	44,014,000	987,000	(55,561,000)
Net debt	3,031,000	54,835,000	65,194,000
Cash flow
Cash from operating activities	459,000	676,000	305,000
CAPEX
Cash from investing activities	8,466,000	7,357,000	10,585,000
Cash from financing activities	(9,615,000)	(10,047,000)	(9,661,000)
FCF	1,294,000	5,796,000	2,827,000
Balance
Cash	2,103,000	2,793,000	1,535,000
Long term investments			167,000
Excess cash	1,912,550	2,572,050	1,615,150
Stockholders' equity	4,704,000	4,661,000	71,160,000
Invested Capital	49,876,450	58,802,950	137,402,850
ROIC	5.77%	3.19%	0.50%
ROCE	6.13%	5.24%	1.04%
EV
Common stock shares outstanding	109,000	123,000	144,000
Price	13.29 -28.63%	18.62 13.19%	16.45 -22.48%
Market cap	1,448,610 -36.75%	2,290,260 -3.32%	2,368,800 -35.10%
EV	4,479,610	57,125,260	134,141,800
EBITDA	3,323,000	3,228,000	759,000
EV/EBITDA	1.35	17.70	176.73
Interest	3,273,000	3,557,000	2,102,000
Interest/NOPBT	103.02%	110.53%	284.05%