NAVI · Navient Corp
$9.19
+0.08 (+0.88%)
At close · Oct 2
Return incl. dividend (before tax)
Market Cap
$855.31M
Shares
93.78M
Volume · Oct 2
875.43K
Avg daily vol (3M)
1.21M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$9.19
Open$9.27
Day$9.12–9.30
52W close$7.44–13.29
Avg vol 30d1.4M
Short int12.0M · 12.8% float · 9.4d
Short vol55%
Last earningsAug 6, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Nov 5, 2026
Est · unconfirmed
· in 5 wks
filed Aug 7, 2026
call held Aug 6, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$600.00M
Trailing 12 months
Net income (TTM)
−$50.00M
Trailing 12 months
Revenue growth YoY
-3.8%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
−$43.57B
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-5.9%
Year over year · fewer shares
Price change (1Y)
-30.2%
Trailing year
Short interest
12.8%
Latest settlement · 9.4 days to cover
AI Brief
Q2 FY26 earnings call · Aug 6, 2026
Q2 FY26
TL;DR. Navient reported core EPS of $0.29 versus $0.20 a year ago, with private loan originations up 63% to $815M and operating expenses down 18%, while classifying $528M of legacy private loans as held for sale and recording a $23M reserve build on the remaining private portfolio.
Bullish
- + Private Education Loan originations grew 63% year-over-year to $815M.
- + Operating expenses fell 18% year-over-year, keeping the company on track for its full-year outlook of $350M or lower.
- + Private credit quality improved sequentially, with charge-off rate down to 1.8% from 1.9% and 90+ delinquencies down to 2.4% from 2.5%.
- + FFELP credit trends normalized, with 90+ delinquencies improving 50bps QoQ and over 200bps YoY.
Bearish
- − Company recorded a $23M general reserve build on the legacy private loan portfolio, with management citing moderating pace of credit improvement.
- − Classified $528M of legacy private loans as held for sale and may reclassify more, signaling a strategic retreat from this portfolio.
- − Federal Education Loans segment net income fell to $26M from $30M YoY as the FFELP portfolio continues to pay down.
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Sell
Momentum
Weak
Sentiment
Neutral
Fundamentals
Weak
Quant / Vol
High
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−1%
below
Price vs 50-day avg
−0%
below
RSI (14)
48
neutral
MACD trend
Negative
52-week position
30%
mid-range
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+13%
trailing
YTD return
−29%
this year
Relative strength
0%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $9 › 200d $9 — 200d above 50d
Institutional flow
Distributing
1 of 258 funds reported for Sep 30 · net -245 sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
12.80% of float · ▲ +5.3% MoM · 9.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
258 holders — near 3-yr high, broad support
Squeeze score
81
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
41%
annualized · 1-yr
Max drawdown
−44%
past year
ATR
3.8%
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
· full-year 2026
Initiated
$4B
Expenses
· full-year 2026
Initiated
$350M
Core EPS
· full-year 2026
Non-GAAP
Initiated
$0.65 – $0.80
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−1%
Neutral
Price vs 50-day avg
−0%
Neutral
RSI (14)
48
Neutral
MACD trend
Negative
Bearish
52-week position
30%
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $9 › 200d $9 — 200d above 50d
Institutional flow
Distributing
1 of 258 funds reported for Sep 30 · net -245 sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
12.80% of float · ▲ +5.3% MoM · 9.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
258 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $7
Now $9 · 30%
Range high $13
vs 200-day avg -1%
vs 50-day avg 0%
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 total loan balance non-GAAP | 2.8% | Three Months Ended June 30 filing | — |
| Allowance coverage of charge-offs (annualized) non-GAAP | 1.6 | Three Months Ended June 30 filing | — |
| Allowance coverage of charge-offs (annualized) - Private Education Loans non-GAAP | 1.6 | Three Months Ended June 30, 2026 filing | — |
| Common shares repurchased | 0.3M | Three Months Ended June 30, 2026 filing | — |
| FFELP Loan cost of funds | -5.03% | Three Months Ended June 30, 2026 filing | — |
| FFELP Loan forbearance rate | 12.8% | Three Months Ended June 30, 2026 filing | — |
| FFELP Loan greater than 30-days delinquency rate | 14.7% | Three Months Ended June 30, 2026 filing | — |
| FFELP Loan net yield | 5.79% | Three Months Ended June 30, 2026 filing | — |
| FFELP Loan yield | 5.54% | Three Months Ended June 30, 2026 filing | — |
| Greater than 30-days delinquency rate | 14.7% | Three Months Ended June 30, 2026 filing | — |
| Greater than 30-days delinquency rate (Consumer Lending) | 5.4% | Three Months Ended June 30, 2026 filing | — |
| Greater than 90-days delinquency rate (Consumer Lending) | 2.4% | Three Months Ended June 30, 2026 filing | — |
| Net interest margin, Consumer Lending segment non-GAAP | 2.26% | Three Months Ended June 30, 2026 filing | — |
| Private Education Refinance Loan net charge-offs | $18M | Three Months Ended June 30, 2026 filing | — |
| Adjusted tangible equity ratio non-GAAP | 9% | 2Q26 | — |
| Allowance as a percentage of the ending loans in repayment - Private Education Loans (Non-GAAP) non-GAAP | 2.9% | Six months ended June 30, 2026 | — |
| Allowance as a percentage of the ending total loan balance - Private Education Loans (Non-GAAP) non-GAAP | 2.8% | Six months ended June 30, 2026 | — |
| Allowance at end of period excluding expected future recoveries on previously fully charged-off non-GAAP | $426M | Quarter ended June 30, 2026 | — |
| Allowance coverage of charge-offs (annualized) - Private Education Loans (Non-GAAP) non-GAAP | 1.5% | Six months ended June 30, 2026 | — |
| Average FFELP Loans | $27.05B | 2Q26 | — |
| Average Private Education Loans | $15.99B | 2Q26 | — |
| Average Private Education Refinance Loans | $9.27B | 2Q26 | — |
| Core Earnings Net income non-GAAP | 47M | Six Months Ended June 30, 2026 | — |
| Ending FFELP Loans, net | $26.58B | 2Q26 | — |
| Ending Private Education Loans, net | $15.67B | 2Q26 | — |
| Ending Private Education Refinance Loans, net | $9.26B | 2Q26 | — |
| GAAP equity-to-asset ratio | 5.1% | 2Q26 | — |
| Greater than 90-days delinquency rate | 2.4% | 2Q26 | — |
| Loans current | $13.99B | June 30, 2026 | — |
| Loans delinquent 31-60 days | $279M | June 30, 2026 | — |
| Loans delinquent 61-90 days | $168M | June 30, 2026 | — |
| Loans delinquent greater than 90 days | $349M | June 30, 2026 | — |
| Loans in forbearance | $271M | June 30, 2026 | — |
| Loans in forbearance as a percentage of loans in repayment and forbearance | 1.8% | June 30, 2026 | — |
| Loans in-school/grace/deferment | $357M | June 30, 2026 | — |
| Net charge-offs as a percentage of average loans in repayment (annualized) - Private Education L | 1.84% | Quarter ended June 30, 2026 | — |
| Net interest margin | 2.26% | 2Q26 | — |
| Percentage of Private Education Loans in repayment | 95.9% | June 30, 2026 | — |
| Percentage of Private Education Loans with a cosigner | 29% | June 30, 2026 | — |
| Private Education Loan allowance for loan losses | -$263M | June 30, 2026 | — |
| Private Education Loan originations | $815M | 2Q26 | — |
| Private Education Loans, net | $15.15B | June 30, 2026 | — |
| Private Education Refinance Loan originations | $735M | 2Q26 | — |
| Total Private Education Loans in repayment | $14.78B | June 30, 2026 | — |
| Total Private Education Loans, gross | $15.41B | June 30, 2026 | — |
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
|
$855.31M | -29.3% | -15.6% | — | 12.8% |
|
V
Visa Inc.
|
$655.56B | +2.8% | -4.9% | — | 1.0% |
|
MA
Mastercard Inc
|
$497.27B | -3.3% | +16.4% | 31.2 | 0.8% |
|
AXP
American Express Co
|
$206.24B | -18.2% | +13.4% | 18.5 | 1.6% |
|
COF
Capital One Financial Corp
|
$119.78B | -19.7% | +36.6% | 11.7 | 1.6% |
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 | +0.8% | -3.1% | +12.6% | +1.3% | -29.3% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | +1.0% | -2.6% | +0.4% | +0.4% | -42.2% |
Capital returns
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.