NASDAQ · Financial - Credit Services

NAVI (NAVI) Stock

$9.06 -3.21% NASDAQ: NAVI Financial Services

Valuation

MetricValue
Price$9.06
Market Cap$851.54M
P/E Ratio-10.54
P/B Ratio0.33
P/S Ratio0.26
EPS (TTM)$-0.81
52-Week High$16.07
52-Week Low$7.33
Dividend Yield—

Financials & Margins

MetricValue
ROE-3.33%
ROA-0.16%
ROCE103.83%
Gross Margin77.14%
Operating Margin77.14%
Net Margin-1.96%
Debt/Equity18.99
Current Ratio0.41

Annual Financials (USD)

Metric20212022202320242025
Revenue$3.5B$3.8B$4.8B$4.2B$3.2B
Operating Profit$936.0M$827.0M$313.0M$174.0M$2.5B
Net Profit$717.0M$645.0M$228.0M$131.0M$-80.0M
EPS$4.17$4.48$1.85$1.18$-0.81
Op Margin26.5%21.5%6.5%4.1%77.1%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$80.6B$70.8B$61.4B$51.8B$48.7B
Total Liabilities$78.0B$67.8B$58.6B$49.1B$46.3B
Cash$905.0M$1.5B$839.0M$722.0M$2.1B
Borrowings$76.7B$67.4B$57.9B$48.7B$45.7B

Latest News

NAVI: What does Argus have to say about NAVI? Argus Research · Jul 22, 2026 CFOs On the Move: Week ending July 17 CFO.com · Jul 17, 2026 1 Russell 2000 Stock for Long-Term Investors and 2 We Find Risky StockStory · Jul 15, 2026 Consumer Finance Stocks Q1 Recap: Benchmarking Navient (NASDAQ:NAVI) StockStory · Jul 6, 2026 Navient Reports Cybersecurity Incident at Service Provider MT Newswires · Jul 2, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$702.0M$305.0M$676.0M$459.0M$441.0M
Investing Cash Flow$6.7B$10.6B$7.4B$8.5B$2.7B
Financing Cash Flow$-2.6B$783.0M$-411.0M$-258.0M$153.0M
Net Cash Flow$41.0M$1.2B$-2.0B$-690.0M$1.0M
Free Cash Flow$702.0M$305.0M$676.0M$459.0M$441.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA17.80
FCF Yield54.94%
Quick Ratio0.41
Interest Coverage0.96
Return 1Y-37.41%
Return 3Y-49.60%
Return 5Y-47.47%

Ownership

Insiders Held2.29%
Institutions Held103.14%
Institutions Float Held105.56%
Institutional HolderSharesReport Date
Sherborne Investors Management, LP29,449,9972026-03-31
Blackrock Inc.12,715,8812026-03-31
Dimensional Fund Advisors LP6,383,5332026-03-31
Vanguard Portfolio Management LLC3,677,5252026-03-31
Vanguard Capital Management LLC2,890,7712026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BETR $20.74 -7.58% 27.54 $324.98M 0.00%
BFC $151.79 +2.10% 20.04 $1.70B 1.28%
CNOB $33.32 +1.52% 20.18 $1.68B 2.47%
DFIN $49.65 -0.08% 33.52 $1.22B 0.00%
EZPW $30.04 -1.18% 18.15 $1.76B 0.00%

About NAVI

NAVI is led by CEO David L. Yowan, employs 2,100 people, headquartered in US, publicly traded since 2014.

NAVI stock trades at $9.06 with a market capitalization of $851.54M. The stock is valued at a price-to-earnings (P/E) ratio of -10.54, price-to-book of 0.33, price-to-sales of 0.26. Over the past 52 weeks the stock has ranged between $7.33 and $16.07, and currently trades 43.6% below its 52-week high.

On profitability, NAVI generates a return on equity (ROE) of -3.33%, return on capital employed of 103.83%, an operating margin of 77.14%, a net profit margin of -1.96%.

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