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Earnings transcript
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NAVI
Navient Corporation
$9.34
-0.03
(-0.32%)
| Exchange: | NASDAQ |
| Market Cap: | 877.861M |
| Shares Outstanding: | 476M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Edward John Bramson | |||||
| Full Time Employees: | 670 | |||||
| Address: |
| |||||
| Website: | https://www.navient.com |
Navient Corporation specializes in managing education loans and delivering comprehensive business processing services. Its clientele spans the education, healthcare, and government sectors, serving federal, state, and local entities across the United States. The company’s operations are divided into three primary segments: Federal Education Loans, Consumer Lending, and Business Processing. Within its Federal Education Loans segment, Navient holds Federal Family Education Loan Program (FFELP) loans, which are backed by state or non-profit agency guarantees. This division also handles the servicing and recovery of its own loan assets, alongside offering asset recovery solutions for FFELP loans held by other organizations. Its Consumer Lending activities involve the ownership, origination, acquisition, and ongoing servicing of private education loans, including both in-school financing and refinancing options. The Business Processing segment extends to various healthcare services, encompassing outsourced revenue cycle management, accounts receivable administration, supplementary business office support, consulting, and public health program management. Furthermore, it provides tailored business processing solutions to state governments, their agencies, judicial systems, local municipalities, and authorities overseeing parking and toll collection. These customizable offerings serve a diverse range of clients, such as hospitals, healthcare networks, medical centers, large physician practices, other healthcare providers, and public health departments. Navient also manages corporate liquidity portfolios. Established in 1973, Navient Corporation maintains its headquarters 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 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 791,336.472 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 871,069.774 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 831,305.135 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 214,104.361 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 235,677.040 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 224,918.301 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 91,838.340 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 104,052.961 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 97,945.651 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 68,772.791 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 75,702.184 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 72,246.353 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 0.990 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 1.050 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 0.930 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 2 | Research Access | Research Access | Research Access | Research 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.
[intrinsic_calculator]
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
-0.32
Trading Metrics:
| Open: | 9.3 | Previous Close: | 9.37 | |
| Day Low: | 9.12 | Day High: | 9.34 | |
| Year Low: | 7.33 | Year High: | 13.87 | |
| Price Avg 50: | 8.68 | Price Avg 200: | 9.68 | |
| Volume: | 159763 | Average Volume: | 1.135M |
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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…
