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What this page is: Delvantic's full research page for Navient Corporation (NAVI) — AI-driven forensic equity research: mechanical valuation models (DCF, EPV, anchored-PE, scenario) plus three independent AI lenses (Quality / Value / Sentiment). Everything below is rendered server-side; you are not missing content that requires JavaScript. All scores are predictions and research opinions, not financial advice.
Page map (sections in order; each card carries a stable
reference-name attribute you can cite):
profile-header/price-overview— company profile, live quote, market capextended-analysis— the core: three AI lens reads with findings, scores, and the analyst memofuture-predictions— our forward price-band predictionsmarket-narrative/ai-findings/gpt-critique— narrative context, cross-model findings, and an adversarial critique of our own analysis (near the end of the document)- Members-only sections (render as login gates for anonymous readers):
price-history,income-trend,key-metrics,financials(statement tables),insider-trading. The analysis above is public; the raw data tables require a free account.
More for machine readers: site briefing at
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any ticker resolves at delvantic.com/stock/TICKER ·
raw inputs are public-company filings and market data (via licensed data feeds);
every model, score, lens read, and prediction on this page is Delvantic's own analysis.
Navient Corporation
NAVI NASDAQ
Financial Services · Credit Services
Herndon, VA 20171, United States
navient.com
Price
$9.21
Market Cap
$830.9M
Employees
2,100
Beta
1.19
Avg Volume
1,006,496
Last Dividend
$0.64
CEO
Mr. David L. Yowan
Navient Corporation is a prominent asset in the financial services sector, primarily engaged in loan management, servicing, and asset recovery. The company is noted for its extensive involvement in student loans, guiding borrowers through repayment solutions and helping them manage debt efficiently. Beyond its student loan portfolio, Navient diversifies its operations through various asset recovery services, focusing on different types of loan products, including personal and consumer loans. Navient plays a significant role in the financial markets by facilitating access to education financing and supporting the secondary market for student loans, which helps maintain liquidity and stability within the sector. Founded as part of a division of Sallie Mae, Navient emerged in 2014 as an independent entity and has since established itself as a key player in the financial landscape, addressing the needs of millions of borrowers across the United States. Its influence is particularly impactful in sectors linked to higher education and consumer financial services, making it a vital component in the network of companies that support personal financial management.
Runs with full report
Earnings Schedule
Checked daily · calendar updated Aug 13 No upcoming print on the calendar yet — companies typically confirm a few weeks ahead. Last print was Aug 6, 2026.
EPS surprise history — vs analyst consensus · 4 prints of vendor history
-93.5%
Jan '26
-14.3%
Apr '26
+25.0%
Apr '26
+45.0%
Aug '26
| Print date | EPS est. | EPS actual | Revenue est. | Revenue actual |
|---|---|---|---|---|
| Aug 6, 2026 | $0.20 | $0.29 +45.0% | — | — |
| Apr 29, 2026 | $0.16 | $0.20 +25.0% | — | — |
| Apr 9, 2026 | $-0.07 | $-0.08 -14.3% | — | — |
| Jan 28, 2026 | $0.31 | $0.02 -93.5% | — | — |
Green = beat the estimate, red = missed. An earnings print is the fastest way a thesis changes — our designations should be re-read after each one.
Recent SEC Filings
| Filed | Form | Document |
|---|---|---|
| Aug 7, 2026 | 10-Q | View |
| Aug 6, 2026 | 8-K | View |
| Jul 14, 2026 | SCHEDULE 13G/A | View |
| Jul 2, 2026 | 8-K | View |
| Jun 23, 2026 | 11-K | View |
| Jun 5, 2026 | 4 | View |
| Jun 5, 2026 | 4 | View |
| Jun 5, 2026 | 4 | View |
| Jun 5, 2026 | 4 | View |
| Jun 5, 2026 | 4 | View |
| Jun 5, 2026 | 8-K | View |
| May 29, 2026 | 8-K | View |
Filings link to the SEC’s EDGAR system. Annual/quarterly reports (10-K, 10-Q, 20-F) carry the full story; 8-K/6-K current reports are the fastest signal that something material happened.
Price Overview
Last updated: Aug 13, 2026 1:55pm (just now)
Current data · timestamped when a report runs
$9.21
Change · Aug 13
+0.37 (+4.19%)
Day Range
$8.93 – $9.23
52-Week Range
$7.33 – $13.87
50-Day MA
$8.42
200-Day MA
$9.81
Volume
39,071.00
Share Structure
Outstanding
93,979,984.00
Float
61,916,083.00
Free Float
65.9%
Normal free float
— 65.9% of shares trade freely, ~34.1% held by insiders/institutions
Healthy float typical of established companies. Good liquidity for entering and exiting positions without major price impact.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
TD Twelve Data statement
HEX SEC filing
P/E Ratio (Price per dollar of earnings)
HEXStock Price / EPS (Diluted)
-11.37
Stock Price: $9.21
EPS (Diluted): -0.81
EPS (Diluted): -0.81
P/B Ratio (Price vs net asset value)
HEXStock Price / Book Value Per Share
0.38
Stock Price: $9.21
Total Equity: $2.40B
Shares: 98,765,432
Total Equity: $2.40B
Shares: 98,765,432
EV/EBITDA (Total value vs operating profit)
HEXEnterprise Value / EBITDA
—
Market Cap: $830.87M
Total Debt: $45.71B
Cash: $637.00M
EBITDA: N/A
Total Debt: $45.71B
Cash: $637.00M
EBITDA: N/A
EBITDA not available
Enterprise Value (Takeover price (cap + debt - cash))
HEXMarket Cap + Total Debt - Cash
$45.9B
Market Cap: $830.87M
Total Debt: $45.71B
Cash: $637.00M
Total Debt: $45.71B
Cash: $637.00M
P/S Ratio (Price per dollar of revenue)
HEXStock Price / Revenue Per Share
1.49
Stock Price: $9.21
Revenue: $610.00M
Shares: 98,765,432
Revenue: $610.00M
Shares: 98,765,432
EV/Sales (Total value vs revenue — works when P/E can't)
CALC75.32
Gross Margin (Revenue left after direct costs)
HEXGross Profit / Revenue
—
Gross Profit: N/A
Revenue: $610.00M
Revenue: $610.00M
Missing from API: Gross Profit
Operating Margin (Revenue left after all operations)
HEXOperating Income / Revenue
—
Operating Income: N/A
Revenue: $610.00M
Revenue: $610.00M
Missing from API: Operating Income
Net Margin (Revenue left as actual profit)
HEXNet Income / Revenue
-13.1%
Net Income: -$80.00M
Revenue: $610.00M
Revenue: $610.00M
ROE (Profit from shareholder equity)
HEXNet Income / Total Equity
-3.3%
Net Income: -$80.00M
Total Equity: $2.40B
Total Equity: $2.40B
ROIC (Profit from all invested capital)
HEXNOPAT / Invested Capital
—
Operating Income: N/A
Tax Rate: 27.9%
Equity: $2.40B
Total Debt: $45.71B
Cash: $637.00M
Tax Rate: 27.9%
Equity: $2.40B
Total Debt: $45.71B
Cash: $637.00M
Missing from API: Operating Income
Current Ratio (Can it pay short-term bills)
HEXCurrent Assets / Current Liabilities
—
Current Assets: N/A
Current Liabilities: N/A
Current Liabilities: N/A
Missing from API: Current Assets, Current Liabilities
Debt/Equity (Leverage — debt vs equity)
HEXTotal Debt / Total Equity
19.05
Short-Term Debt: $5.07B
Long-Term Debt: $40.63B
Total Debt: $45.71B
Total Equity: $2.40B
Long-Term Debt: $40.63B
Total Debt: $45.71B
Total Equity: $2.40B
Rev/Share (Top-line per share)
HEXRevenue / Shares Outstanding
$6.18
Revenue: $610.00M
Shares: 98,765,432
Shares: 98,765,432
Book Value/Share (Net assets per share)
HEX(Total Assets - Total Liabilities) / Shares
$24.29
Total Equity: $2.40B
Shares: 98,765,432
Shares: 98,765,432
FCF/Share (Real cash generated per share)
HEX(Operating Cash Flow + CapEx) / Shares
$4.47
Operating CF: $441.00M
CapEx: $0.00
Shares: 98,765,432
CapEx: $0.00
Shares: 98,765,432
Div Yield (Annual income from holding)
TDLast Annual Dividend / Stock Price
6.9%
Last Dividend: $0.64
Stock Price: $9.21
Stock Price: $9.21
Payout Ratio (Earnings paid out as dividends)
HEXDividends Paid / Net Income
-78.8%
Dividends Paid: -$63.00M
Net Income: -$80.00M
Net Income: -$80.00M
Income Statement (Annual)
Last updated: Aug 7, 2026 3:17am (6d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $2.2B | $1.7B | $1.3B | $961.0M | $610.0M |
| Cost of Revenue | — | — | — | — | — |
| Gross Profit | — | — | — | — | — |
| Operating Expenses | $569.0M | $444.0M | $401.0M | $316.0M | $149.0M |
| Operating Income | — | — | — | — | — |
| Net Income | $717.0M | $645.0M | $228.0M | $131.0M | -$80.0M |
| EBITDA | — | — | — | — | — |
| EPS | $4.23 | $4.54 | $1.87 | $1.20 | $-0.81 |
| EPS (Diluted) | $4.18 | $4.49 | $1.85 | $1.18 | $-0.81 |
Balance Sheet (Annual)
Last updated: Aug 7, 2026 3:17am (6d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $905.0M | $1.5B | $839.0M | $722.0M | $637.0M |
| Total Current Assets | — | — | — | — | — |
| Total Assets | $80.6B | $70.8B | $61.4B | $51.8B | $48.7B |
| Current Liabilities | — | — | — | — | — |
| Long-Term Debt | $74.5B | $61.0B | $53.4B | $43.2B | $40.6B |
| Total Liabilities | $78.0B | $67.8B | $58.6B | $49.1B | $46.3B |
| Total Equity | $2.6B | $3.0B | $2.8B | $2.6B | $2.4B |
| Retained Earnings | $3.9B | $4.5B | $4.6B | $4.7B | $4.6B |
Cash Flow (Annual)
Last updated: Aug 7, 2026 3:17am (6d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $702.0M | $305.0M | $676.0M | $459.0M | $441.0M |
| Capital Expenditure | — | — | — | — | — |
| Free Cash Flow | — | — | — | — | — |
| Acquisitions (net) | -$16.0M | $0 | $0 | — | — |
| Net Debt Issued / (Repaid) | — | — | — | — | — |
| Dividends Paid | -$107.0M | -$91.0M | -$78.0M | -$70.0M | -$63.0M |
| Stock Buybacks | -$600.0M | -$400.0M | -$310.0M | -$179.0M | -$111.0M |
| Net Change in Cash | $41.0M | $1.2B | -$2.0B | -$690.0M | $1.0M |
Growth Trends (YoY %)
Last updated: Aug 7, 2026 3:17am (6d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | -21.4% | -26.4% | -24.9% | -36.5% |
| Gross Profit Growth | — | — | — | — |
| Operating Income Growth | — | — | — | — |
| Net Income Growth | -10.0% | -64.7% | -42.5% | -161.1% |
| EBITDA Growth | — | — | — | — |
Dividend History (Last 20)
Last updated: Aug 7, 2026 3:17am (6d ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-06-05 | $0.16 | — | — | — |
| 2026-03-06 | $0.16 | — | — | — |
| 2025-12-05 | $0.16 | — | — | — |
| 2025-09-05 | $0.16 | — | — | — |
| 2025-06-06 | $0.16 | — | — | — |
| 2025-03-07 | $0.16 | — | — | — |
| 2024-12-06 | $0.16 | — | — | — |
| 2024-09-06 | $0.16 | — | — | — |
| 2024-06-07 | $0.16 | — | — | — |
| 2024-02-29 | $0.16 | — | — | — |
| 2023-11-30 | $0.16 | — | — | — |
| 2023-08-31 | $0.16 | — | — | — |
| 2023-06-01 | $0.16 | — | — | — |
| 2023-03-02 | $0.16 | — | — | — |
| 2022-12-01 | $0.16 | — | — | — |
| 2022-09-01 | $0.16 | — | — | — |
| 2022-06-02 | $0.16 | — | — | — |
| 2022-03-03 | $0.16 | — | — | — |
| 2021-12-02 | $0.16 | — | — | — |
| 2021-09-02 | $0.16 | — | — | — |
Industry Benchmarks
Compares NAVI against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for NAVI — it's generated by the pipeline (
market-narrative step).
Claude Reading
No AI findings yet for NAVI — they're generated by the
pipeline (
ai-findings step) when a report is run on this ticker.
GPT Reading
No GPT reading yet for NAVI — it's generated by the
pipeline (
gpt-critique step) after the other Big-3 seats, when a
report is run on this ticker.
Grok Reading
No Grok reading yet for NAVI — it's generated by the
pipeline (
grok-critique step) alongside the other Big-3 seats, when a
report is run on this ticker.
Advanced Analysis Forensic deep-dive · four lenses
No community reviews yet for NAVI.
Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
My Notes
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Sign in to save personal notes and rate your interest in this stock.
Data via Financial Modeling Prep · Cached for performance · twelvedata
v1.1.530 · 761561a2 · 2026-08-12 19:06:35