NAVI · Navient Corp
$9.17
-0.07 (-0.76%)
At close · Aug 14
Market Cap
$860.00M
Shares
93.78M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$9.17
Open$9.23
Day$8.90–9.31
52W close$7.44–13.77
Avg vol 30d1.1M
Short int10.3M · 11.0% float · 13.8d
Short vol65%
Last earningsAug 6, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Nov 5, 2026
Est · unconfirmed
· in 12 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Neutral
Momentum
Neutral
Sentiment
Neutral
Fundamentals
Weak
Quant / Vol
Very High
Market backdrop
VIX 14.3 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−6%
below
Price vs 50-day avg
+9%
above
RSI (14)
57
neutral
MACD trend
Positive
52-week position
27%
mid-range
Volume (OBV)
Bearish div.
distributing
Momentum
relative strength
1-month return
+6%
trailing
6-month return
+2%
trailing
YTD return
−29%
this year
Relative strength
−12%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $8 › 200d $10 — 200d above 50d
Institutional flow
Accumulating
+2% holders QoQ · +48 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
11.01% of float · ▲ +0.1% MoM · 13.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
250 holders — mid 3-yr range
Squeeze score
75
high risk · 0–100
Fundamentals
Revenue growth
−16%
Y/Y
EPS growth
−169%
Y/Y
Buyback
$74.0M
remaining
Balance sheet
$45.1B
net debt
Quant / Vol
risk profile
Volatility
40%
annualized · 1-yr
Max drawdown
−46%
past year
ATR
4.6%
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.
Guidance & track record
Latest guidance
· from the Earnings Call filed Dec 31, 2025
Total loan originations
· 2026
$4B
Loan growth
· 2026
$1.5B
Prior guidance
period ended
· from the Earnings Call filed Sep 30, 2025
Core earnings per share
· fourth quarter
$0.30 – $0.35
Guided vs delivered
· last 1 settled
Earnings per share
2024 outlook
guided $2.10 – $2.30
$1.18
Miss −46.4%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−6%
Bearish
Price vs 50-day avg
+9%
Bullish
RSI (14)
57
Neutral
MACD trend
Positive
Bullish
52-week position
27%
Neutral
Volume (OBV)
Bearish div.
Bearish
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $8 › 200d $10 — 200d above 50d
Institutional flow
Accumulating
+2% holders QoQ · +48 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
11.01% of float · ▲ +0.1% MoM · 13.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
250 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $7
Now $9 · 27%
Range high $14
vs 200-day avg -6%
vs 50-day avg +9%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance as a percentage of the ending loans in repayment non-GAAP | 2.9% | Three Months Ended June 30, 2026 filing | — |
| Allowance as a percentage of the ending total loan balance non-GAAP | 2.8% | Three Months Ended June 30, 2026 filing | — |
| Allowance at end of period excluding expected future recoveries on previously fully charged-off non-GAAP | $589M | Three Months Ended June 30, 2026 filing | — |
| Average balance of Private Education Refinance Loans | $9.27B | the three months ended June 30, 2026 filing | — |
| Average total education loans | $43.03B | the three months ended June 30, 2026 filing | — |
| Common shares repurchased | 0.3M | the three months ended June 30, 2026 filing | — |
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| Dividends paid | $15M | Q2-26 filing | — |
| Ending balance of Private Education Refinance Loans non-GAAP | $9.26B | the three months ended June 30, 2026 filing | — |
| Forbearance rate non-GAAP | 1.8% | the three months ended June 30, 2026 filing | — |
| Greater than 30-days delinquency rate non-GAAP | 5.4% | the three months ended June 30, 2026 filing | — |
| Greater than 30-days delinquency rate (FFELP Loans) non-GAAP | 14.7% | the three months ended June 30, 2026 filing | — |
| Greater than 30-days delinquency rate (Private Education Loans including Refinance Loans) non-GAAP | 5.4% | the three months ended June 30, 2026 filing | — |
| Greater than 90-days delinquency rate (Private Education Loans including Refinance Loans) non-GAAP | 2.4% | the three months ended June 30, 2026 filing | — |
| In-school loan originations | $80M | the three months ended June 30, 2026 filing | — |
| Net charge-offs | $71M | the three months ended June 30, 2026 filing | — |
| Net charge-offs (Private Education Loans including Refinance Loans) non-GAAP | $71M | the three months ended June 30, 2026 filing | — |
| Net charge-offs as a percentage of average loans in repayment (annualized) | 1.84% | Three Months Ended June 30, 2026 filing | — |
| Net interest margin, Consumer Lending segment non-GAAP | 2.26% | the three months ended June 30, 2026 filing | — |
| Refinance Loan originations | $735M | the three months ended June 30, 2026 filing | — |
| Segment net interest margin (Consumer Lending) non-GAAP | 2.26% | the three months ended June 30, 2026 filing | — |
| Total Capital Returned | $17M | Q2-26 filing | — |
| Total repurchases in dollars | $2M | Q2-26 filing | — |
| Adjusted tangible equity ratio non-GAAP | 9% | 2Q26 | — |
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| Allowance coverage of charge-offs (annualized) non-GAAP | 1.5 | Six Months Ended June 30, 2026 | — |
| Asset-backed securities issued | $1.3B | 2Q26 | — |
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| Average FFELP Loans | $27.05B | 2Q26 | — |
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| Average Private Education Loans | $15.99B | 2Q26 | — |
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| Average Private Education Refinance Loans | $9.27B | 2Q26 | — |
| Common stock dividends paid | $15M | 2Q26 | — |
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| Ending FFELP Loans, net | $26.58B | 2Q26 | — |
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| Ending Private Education Loans, net | $15.67B | 2Q26 | — |
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| Ending Private Education Refinance Loans, net | $9.26B | 2Q26 | — |
| Greater than 90-days delinquency rate | 2.4% | 2Q26 | — |
| Loans in forbearance as a percentage of loans in repayment and forbearance | 1.8% | Q2 FY2026 | — |
| Percentage of Private Education Loans in repayment | 95.9% | Q2 FY2026 | — |
| Percentage of Private Education Loans with a cosigner | 29% | Q2 FY2026 | — |
| Private Education Loan originations | $815M | 2Q26 | — |
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| Private Education Loans (including Refinance Loans) Net charge-offs | $71M | 2Q26 | — |
| Private Education Refinance Loan originations | $735M | 2Q26 | — |
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| Segment net interest margin | 2.26% | 2Q26 | — |
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| FFELP Loans greater than 30-days delinquency rate | 15.2% | 1Q26 | — |
| Private Education Loans forbearance rate | 1.5% | 1Q26 | — |
| Private Education Loans greater than 30-days delinquency rate | 5.5% | 1Q26 | — |
| Private Education Loans greater than 90-days delinquency rate | 2.5% | 1Q26 | — |
| FFELP Loan prepayments | $225M | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
NAVI
this stock
Navient Corp
|
$860.00M | -29.5% | -15.6% | — | 11.0% |
|
V
Visa Inc.
|
$649.80B | +3.8% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$498.70B | -0.3% | +16.4% | 31.3 | 1.0% |
|
AXP
American Express Co
|
$231.28B | -7.4% | +13.4% | 20.8 | 1.8% |
|
COF
Capital One Financial Corp
|
$141.47B | -6.2% | +36.6% | — | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| NAVI | +1.0% | +6.0% | +2.0% | +9.3% | -29.5% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +0.6% | +1.6% | -11.8% | +5.4% | -43.3% |
Capital returns
Latest dividend
$0.16
/ share · ex Jun 5, 2026
Declared · upcoming
$0.16
/ share · ex Sep 4, 2026
Paid (TTM)
$0.64
/ share · 4 payouts
Dividend yield (TTM, derived)
6.98%
Buyback program
· as of Jun 30, 2026
Authorized
$100.00M
Spent (derived)
$26.00M
Remaining
$74.00M
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)
235 filings
235 filers
Visit website
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