Navient Corporation (NAVI)
Financial Services · NMS
Fundamentals
Valuation and ratings
Navient Corporation trades at USD8.64, which is 120% below the USD19.03 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 27 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
NAVI dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD0.320 | 2 |
| 2025 | USD0.640 | 4 |
| 2024 | USD0.640 | 4 |
| 2023 | USD0.640 | 4 |
| 2022 | USD0.640 | 4 |
| 2021 | USD0.640 | 4 |
| 2020 | USD0.640 | 4 |
| 2019 | USD0.640 | 4 |
| 2018 | USD0.640 | 4 |
| 2017 | USD0.640 | 4 |
| 2016 | USD0.640 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
NAVI earnings and analyst estimates
Recommendation mix, 8 analyst ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Navient Corporation
Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand. It also owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.
NAVI passes 2 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
7 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Ken Griffin, CITADEL ADVISORS LLC$10.73M · 0.0% of book
- Two Sigma, TWO SIGMA INVESTMENTS, LP$8.21M · 0.0% of book
- Paul Tudor Jones, TUDOR INVESTMENT CORP ET AL$4.43M · 0.0% of book
- Cliff Asness, AQR CAPITAL MANAGEMENT LLC$2.60M · 0.0% of book
- Steve Cohen, Point72 Asset Management, L.P.$1.40M · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Common questions
Is Navient Corporation (NAVI) undervalued?
Against our discounted cash flow estimate of USD19.03, NAVI at USD8.64 is 120% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
Which funds own NAVI?
7 of the institutions we track reported a position in NAVI in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
Does Navient Corporation (NAVI) pay a dividend?
Yes. Navient Corporation yields 7.38% at the current share price. It has paid USD0.640 per share over the trailing twelve months. It has paid a dividend in each of the last 12 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
When does NAVI report earnings next?
Navient Corporation is scheduled to report on 6 Aug 2026. Companies move earnings dates, so read it as scheduled rather than certain.
The full research page for NAVI, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.