Is Navient (NAVI) overvalued or fairly valued?

MarketChacha shows Navient's valuation in context — a forward P/E of about 10.0, a price-to-book of about 0.4 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Navient's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (5.65×) from reported figures — education, not a rating.

What is the share price of Navient (NAVI)?

Navient last traded at $9.63 (+1.6% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

Navient

NAVI · NYSE · Financials · United States

Snapshot

TickerNAVI

ExchangeNYSE

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees670

HeadquartersHerndon, United States

Websitewww.navient.com

Filings tracked16

About Navient

Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand. It also owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.

Who owns it

Insiders2.3%
Institutions97.7%
Public & other0.0%

352 institutional holders

Ownership breakdown from public market data.

Top holders

Sherborne Investors Management, LP31.40%
Blackrock Inc.13.81%
Dimensional Fund Advisors LP5.66%
Vanguard Capital Management LLC2.99%
State Street Corporation2.93%
Vanguard Portfolio Management LLC2.56%
American Century Companies Inc2.16%
Wellington Management Group, LLP2.07%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

Margin has compressed by about 22.7 points over the period — profitability is trending down.

Cash conversion5.65×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend71.0% → 48.3%

Margin has compressed by about 22.7 points over the period — profitability is trending down.

Return on equity-3.3%

Latest ROE of -3.3% is on the low side — the business earns a modest return on shareholder capital.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $138.3M · EPS 0.21

Est. earnings growth +964.8%

Next fiscal year

Rev $587.5M · EPS 0.97

Est. earnings growth +26.4%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

ROE

-3.3%

EPS (FY2025)

-0.81

Net profit (FY2025)

$-80.0M

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Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	—	$-80.0M	-0.81	—	-3.3%
FY2024	$271.0M	$131.0M	1.18	48.3%	5.0%
FY2023	$321.0M	$228.0M	1.85	71.0%	8.3%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	—	$25.0M	0.26	—
2026Q1	—	$17.0M	0.17	—
2025Q3	—	$-86.0M	-0.87	—
2025Q2	—	$14.0M	0.13	—
2025Q1	—	$-2.0M	-0.02	—
2024Q3	$70.0M	$-2.0M	-0.02	-2.9%
2024Q2	$81.0M	$36.0M	0.32	44.4%
2024Q1	$77.0M	$73.0M	0.64	94.8%
2023Q3	$85.0M	$79.0M	0.65	92.9%
2023Q2	$83.0M	$66.0M	0.52	79.5%
2023Q1	$72.0M	$111.0M	0.86	154.2%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC8/7/2026
8-K — Results of operations, Exhibits
SEC8/6/2026material
8-K filing
SEC7/2/2026material
8-K — Shareholder vote results
SEC6/5/2026material
8-K — Material agreement, Material financial obligation, Exhibits
SEC5/29/2026material
8-K — Results of operations, Exhibits
SEC4/29/2026material
10-Q filing
SEC4/29/2026
8-K — Executive/director change, Exhibits
SEC4/8/2026material
10-K filing
SEC2/26/2026
8-K — Results of operations, Exhibits
SEC1/28/2026material
8-K — Executive/director change, Exhibits
SEC1/8/2026material

2025

8-K — Reg FD disclosure, Exhibits
SEC11/19/2025material
8-K — Results of operations, Exhibits
SEC10/29/2025material
10-Q filing
SEC10/29/2025
8-K — Results of operations, Exhibits
SEC7/30/2025material
10-Q filing
SEC7/30/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.