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Earnings transcript
Read the complete earnings call transcript.
NAVI
Navient Corporation
$8.3
0.01
(0.12%)
| Exchange: | NASDAQ |
| Market Cap: | 789.245M |
| Shares Outstanding: | 476M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | David L. Yowan | |||||
| Full Time Employees: | 2100 | |||||
| Address: |
| |||||
| Website: | https://www.navient.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 4,836,000 | 4,234,000 | 3,229,000 |
| Gross Profit | 1,156,000 | 848,000 | 2,808,000 |
| EBITDA | 313,000 | 174,000 | 2,474,000 |
| Operating Income | 313,000 | 174,000 | 2,491,000 |
| Net Income | 228,000 | 131,000 | -80,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 61,375,000 | 51,789,000 | 48,681,000 |
| Total Liabilities | 58,615,000 | 49,148,000 | 46,282,000 |
| Total Stockholders Equity | 2,760,000 | 2,641,000 | 2,399,000 |
| Total Debt | 57,299,000 | 48,318,000 | 5,073,000 |
| Cash and Cash Equivalents | 839,000 | 722,000 | 2,104,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 676,000 | 459,000 | 441,000 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 676,000 | 459,000 | 441,000 |
| Net Income | 228,000 | 131,000 | -80,000 |
| Net Change in Cash | -2,014,000 | -690,000 | 1,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 850,267.103 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 1,015,675.106 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 933,435.588 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 230,048.659 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 274,801.525 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 252,550.763 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 108,978.211 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 137,372.401 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 123,255.001 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 73,894.283 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 88,269.420 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 81,122.219 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 1.250 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 1.390 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 1.100 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Revenue Performance: NAVI has demonstrated consistent revenue generation as per the latest income statements, with reported figures indicating stable income streams across its product segments. This reflects a robust business model within the financial services sector, particularly in student loan servicing.
- Strong Free Cash Flow: The cash flow statements highlight a healthy free cash flow yield (as per key metrics TTM), indicating NAVI’s ability to generate cash after capital expenditures. This provides financial flexibility for debt management, dividends, and potential reinvestment.
- Favorable Dividend Yield: With a competitive dividend yield (TTM) as reported in key metrics, NAVI offers an attractive return to income-focused investors, enhancing its appeal in the current market environment.
- Sector Positioning: Operating in the financial services sector, NAVI benefits from a relatively stable industry performance (as per sector performance metrics), with positive trends in sector performance over 1-year and 5-year periods, providing a supportive backdrop for growth.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates NAVI intrinsic value between $61.96 – $63.55 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about NAVI valuation
Is Navient Corporation (NAVI) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Navient Corporation (NAVI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is NAVI a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether NAVI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is NAVI’s P/E ratio?
You can see NAVI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for NAVI?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is NAVI a good long-term investment?
Whether NAVI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
NAVI
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Daily snapshot
0.12
Trading Metrics:
| Open: | 8.15 | Previous Close: | 8.29 | |
| Day Low: | 8.08 | Day High: | 8.36 | |
| Year Low: | 7.86 | Year High: | 16.07 | |
| Price Avg 50: | 9.13 | Price Avg 200: | 12.05 | |
| Volume: | 668899 | Average Volume: | 1.07M |
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Login — it's freeNAVI full analysis
Welcome to MARKETSNAP’s SWOT analysis for Navient Corporation, also known by its ticker NAVI. If you’re a long-term investor looking to dig into a player in the financial services space, you’ve come to the right place. Today, we’re breaking down Navient, a company that’s carved out a niche in student loan servicing and financial solutions. Let’s unpack what makes this company tick, dive into recent developments, and analyze its strengths, weaknesses, opportunities, and threats—all with an eye on building wealth…
