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NAVI

Navient Corp
$8.08 -0.27 (-3.23%) At close · Jul 8
Market Cap
$764.53M
Shares
93,979,984

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$8.08 Open$8.27 Day$8.07–8.34 52W$7.33–15.39 Avg vol 30d1.3M Short int10.2M · 10.8% float · 7.6d Short vol55% Last earningsApr 29, 2026 DataJan 2020–Jul 2026 Filing10-Q · Apr 29
Equibles Rating blended score · not investment advice
Overall
Sell
SellHoldBuy
Technical Sell Momentum Weak Sentiment Neutral Fundamentals Weak Quant / Vol High
Market backdrop VIX 16.9 · calm Equity put/call 0.86
Technical
price trend
Sell
50 / 200-day cross No cross
Price vs 200-day avg −22%
below
Price vs 50-day avg −3%
below
RSI (14) 45
neutral
MACD trend Positive
52-week position 9%
near low
Momentum
relative strength
Weak
1-month return +4%
trailing
6-month return −32%
trailing
YTD return −37%
this year
Relative strength −39%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $8 › 200d $10 — 200d above 50d
Institutional flow Accumulating
5 of 244 funds reported for Jun 30 · net +7.2K sh shares · +1 new
Insider flow Flat
No net insider activity over 90 days
Short interest Rising
10.83% of float · ▲ +3.5% MoM · 7.6 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
244 holders — mid 3-yr range
Squeeze score 80
high risk · 0–100
Fundamentals
Weak
Revenue growth −16%
Y/Y
EPS growth −169%
Y/Y
Buyback $77.0M
remaining
Balance sheet $40.0B
net debt
Quant / Vol
risk profile
High
Volatility 39%
annualized · 1-yr
Max drawdown −50%
past year
ATR 3.9%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Up next
Next earnings call
Jul 29, 2026 Est · unconfirmed · in 3 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Apr 29, 2026
AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Technicals

      trend & momentum for long-term holders Sell
      2 · 3 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      −22% Bearish
      Price vs 50-day avg
      −3% Neutral
      RSI (14)
      45 Neutral
      MACD trend
      Positive Bullish
      52-week position
      9% Bearish
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $8 › 200d $10 — 200d above 50d
      Institutional flow Accumulating
      5 of 244 funds reported for Jun 30 · net +7.2K sh shares · +1 new
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Rising
      10.83% of float · ▲ +3.5% MoM · 7.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      244 holders — mid 3-yr range
      Price context
      position in its 52-week range
      52-wk low $7 Now $8 · 9% 52-wk high $15
      vs 200-day avg -22% vs 50-day avg -3%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      Asset-backed securities issued $683M Q1 2026 —
      average share repurchase price $9.91 Q1 2026 call —
      Consumer lending expenses $39M Q1 2026 call —
      Federal 31-day plus delinquency rate 15.2% Q1 2026 call —
      Federal 91-day plus delinquency rate 8.5% Q1 2026 call —
      Federal segment net charge-off rate 29 Q1 2026 call —
      in-school originations $40M Q1 2026 call —
      in-school securitization $550M Q1 2026 call —
      private portfolio outstanding balances change $200M Q1 2026 call —
      rate check volume growth 62% Q1 2026 call —
      refi originations average FICO 775 Q1 2026 call —
      refinance loan originations $778M Q1 2026 call —
      refinance securitization $683M Q1 2026 call —
      share repurchases $23M Q1 2026 call —
      shares repurchased 2.3M Q1 2026 call —
      total capital returned to shareholders $38M Q1 2026 call —
      total core operating expenses non-GAAP $89M Q1 2026 call —
      FFELP Loans greater than 30-days delinquency rate 17.5% 4Q25 —
      Net interest margin 0.58% 4Q25 —
      Private Education Loans forbearance rate 1.5% 4Q25 —
      Private Education Loans greater than 30-days delinquency rate 6.3% 4Q25 —
      Private Education Loans greater than 90-days delinquency rate 2.9% 4Q25 —
      Private Education Refinance Loan originations $634M 4Q25 —

      Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      Versus peers

      Credit Services — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      NAVI
      Navient Corp
      this stock
      		$764.53M -36.7% -15.6% — 10.8%
      V
      Visa Inc.
      		 $624.59B -0.7% +12.3% — 1.2%
      MA
      Mastercard Inc
      		 $462.29B -8.8% +16.4% 30.3 0.8%
      AXP
      American Express Co
      		 $236.58B -8.9% +13.4% 21.6 1.8%
      COF
      Capital One Financial Corp
      		 $124.52B -20.5% +36.6% 51.1 1.8%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      245
      % held
      98.9%
      Reported
      5 of 244
      Top holder
      Sherborne Investors Manag…
      Held Float
      View
      Held by Funds
      Fund positions
      240
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      10.2M
      Days to cover
      7.6d
      Change
      +346.9K sh
      View
      Short Volume
      Short vol %
      55%
      As of
      Jul 9, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      788
      Value
      $6.2K
      As of
      Jun 12, 2026
      View
      Off-Exchange
      Off-exchange %
      38.8%
      Week of
      May 4, 2026
      Off-exch Lit
      View
      Financials
      Financials
      Revenue (FY)
      $271.0M
      Net income (FY)
      $-80.0M
      EPS diluted
      $-0.81
      View
      Buybacks
      Authorized
      $1.0B
      Remaining
      $77.0M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Jul 2, 2026
      This year
      10
      View
      Proposed Sales
      Value
      $196.1K
      Shares
      23.1K
      Filed
      Apr 16, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Apr 29, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      NAVI -5.1% +3.9% -31.8% -5.1% -36.7%
      SPY -0.2% +0.8% +7.4% -0.2% +9.3%
      vs SPY -4.9% +3.0% -39.2% -4.9% -46.0%

      Capital returns

      Latest dividend
      $0.16 / share · ex Jun 5, 2026
      Paid (TTM)
      $0.64 / share · 4 payouts
      Dividend yield (TTM, derived)
      7.92%
      Buyback program · as of Mar 31, 2026
      Authorized
      $1.00B
      Spent (derived)
      $923.00M
      Remaining
      $77.00M
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1593538 CUSIP 63938C108 13F (30d) 28 filings 8 filers Visit website Investor relations

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