NAVI
Navient Corporation
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Sell
-32/100
Last price
8.93
▼ 0.11 (1.22%)
MARKET · —
Price
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Tool
1D
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Range —
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vs
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Open
—
Prev close
9.04
Day high
9.13
Day low
8.91
Volume
956.80K
Market cap
$837.49M
P/E (TTM)
—
52W range
7.33 – 13.48
Trailing performance
Returnvs SPY
1W
-1.54%
-3.5%
1M
-7.27%
-8.4%
3M
+10.52%
+6.0%
6M
+5.06%
-13.1%
YTD
-31.31%
-45.6%
1Y
-32.81%
-49.2%
3Y
-48.14%
-130.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on NAVI open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
2.16M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 24, 26 | OFFEREINS DIANE E. Director |
STOCK | 10.04K | $0 | Direct |
| Jun 4, 26 | ARNOLD FREDERICK Director |
STOCK | 18.02K | $140.00K | Direct |
| Jun 4, 26 | YOWAN DAVID L Chief Executive Officer |
STOCK | 54.25K | $140.00K | Direct |
| Jun 4, 26 | LAWSON MICHAEL A. Director |
STOCK | 18.02K | $140.00K | Direct |
| Jun 4, 26 | YOWAN DAVID L Chief Executive Officer |
— | 107.36K | — | Direct |
| Mar 4, 26 | HAUBER STEPHEN M Chief Financial Officer |
STOCK | 73.44K | $637.49K | Direct |
| Mar 4, 26 | STANDISH TROY Chief Operating Officer |
STOCK | 51.84K | $450.00K | Direct |
| Feb 7, 25 | ARNOLD FREDERICK Director |
STOCK | 10.31K | $140.00K | Direct |
| Feb 7, 25 | MILLS LINDA A Director |
STOCK | 17.67K | $240.00K | Direct |
| Feb 7, 25 | CABRAL ANNA ESCOBEDO Director |
STOCK | 10.31K | $140.00K | Direct |
| Feb 7, 25 | HAUBER STEPHEN M Officer |
STOCK | 64.09K | $870.33K | Direct |
| Feb 7, 25 | FISHER JOE Chief Financial Officer |
STOCK | 94.25K | $1.25M | Direct |
| Feb 7, 25 | LAWSON MICHAEL A. Director |
STOCK | 10.31K | $140.00K | Direct |
| Feb 7, 25 | STANDISH TROY Chief Operating Officer |
STOCK | 45.24K | $614.35K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ARNOLD FREDERICK |
Director | 98.89K | Stock Award(Grant) |
CABRAL ANNA ESCOBEDO |
Director | 71.32K | Stock Award(Grant) |
FISHER JOE |
Chief Financial Officer | 345.26K | Stock Award(Grant) |
HAUBER STEPHEN M |
Chief Financial Officer | 350.95K | Stock Award(Grant) |
LAWSON MICHAEL A. |
Director | 55.93K | Stock Award(Grant) |
MILLS LINDA A |
Director | 177.09K | Stock Award(Grant) |
OFFEREINS DIANE E. |
Director | 10.04K | Stock Award(Grant) |
STANDISH TROY |
Chief Operating Officer | 266.47K | Stock Award(Grant) |
YOWAN DAVID L |
Chief Executive Officer | 411.26K | Stock Award(Grant) |
Fundamentals
Market cap$837.49M
Enterprise value$44.47B
Revenue (TTM)$334.00M
Gross profit$334.00M
EBITDA—
Net income$-49.00M
EPS (TTM)$-0.49
Free cash flow—
Total cash$796.00M
Total debt$44.43B
Book value / share$25.57
Shares outstanding93.78M
Float62.88M
Short % of float28.67%
Dividend yield7.16%
Beta (5Y)1.17
Valuation & profitability ratios
Trailing P/E—
Forward P/E9.18
PEG ratio0.13
Price / sales—
Price / book0.35
EV / revenue133.14
EV / EBITDA—
Gross margin100.00%
Operating margin33.87%
Profit margin-14.67%
Return on equity-1.98%
Return on assets-0.10%
Debt / equity1,852.71
Current ratio10.75
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $610.00M | $961.00M | $1.28B | $1.74B | -36.5% |
| Operating revenue | $610.00M | $961.00M | $1.28B | $1.74B | -36.5% |
| Selling, general & admin | $149.00M | $316.00M | $401.00M | $444.00M | -52.8% |
| Pre-tax income | -$111.00M | $174.00M | $313.00M | $827.00M | -163.8% |
| Tax provision | -$31.00M | $43.00M | $85.00M | $182.00M | -172.1% |
| Net income | -$80.00M | $131.00M | $228.00M | $645.00M | -161.1% |
| Net income to common | -$80.00M | $131.00M | $228.00M | $645.00M | -161.1% |
| Basic EPS | -0.81 | 1.20 | 1.87 | 4.54 | -167.5% |
| Diluted EPS | -0.81 | 1.18 | 1.85 | 4.49 | -168.6% |
| Basic shares | 98.77M | 109.17M | 121.93M | 142.07M | -9.5% |
| Diluted shares | 99.00M | 111.00M | 123.00M | 144.00M | -10.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $637.00M | $722.00M | $839.00M | $1.53B | -11.8% |
| Accounts receivable | $1.67B | $1.78B | $2.18B | $2.11B | -6.3% |
| Property, plant & equipment | $23.00M | $52.00M | $62.00M | $74.00M | -55.8% |
| Goodwill & intangibles | $434.00M | $437.00M | $695.00M | $705.00M | -0.7% |
| Total assets | $48.68B | $51.79B | $61.38B | $70.80B | -6.0% |
| Current debt | $4.27B | $3.99B | $4.14B | $4.16B | +7.1% |
| Long-term debt | $40.90B | $43.92B | $53.15B | $62.43B | -6.9% |
| Total debt | $45.17B | $47.91B | $57.30B | $66.59B | -5.7% |
| Total liabilities | $46.28B | $49.15B | $58.62B | $67.82B | -5.8% |
| Retained earnings | $4.55B | $4.70B | $4.64B | $4.49B | -3.1% |
| Shareholder equity | $2.40B | $2.64B | $2.76B | $2.98B | -9.2% |
| Net tangible assets | $1.97B | $2.20B | $2.06B | $2.27B | -10.8% |
| Shares issued | 466.67M | 465.31M | 463.72M | 461.00M | +0.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | -$80.00M | $131.00M | $228.00M | $645.00M | -161.1% |
| Stock-based compensation | $21.00M | $23.00M | $24.00M | $19.00M | -8.7% |
| Change in working capital | $93.00M | $212.00M | $136.00M | $133.00M | -56.1% |
| Operating cash flow | $441.00M | $459.00M | $676.00M | $305.00M | -3.9% |
| Investing cash flow | $2.71B | $8.47B | $7.36B | $10.59B | -68.0% |
| Share buybacks | -$111.00M | -$179.00M | -$310.00M | -$400.00M | +38.0% |
| Dividends paid | -$63.00M | -$70.00M | -$78.00M | -$91.00M | +10.0% |
| Financing cash flow | -$3.15B | -$9.62B | -$10.05B | -$9.66B | +67.2% |
| Free cash flow | $441.00M | $459.00M | $676.00M | $305.00M | -3.9% |
| End cash position | $2.10B | $2.10B | $2.79B | $4.81B | +0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $150.00M | $152.00M | $137.00M | $161.00M | $156.00M | -1.3% |
| Operating revenue | $150.00M | $152.00M | $137.00M | $161.00M | $156.00M | -1.3% |
| Selling, general & admin | $27.00M | $32.00M | $33.00M | $32.00M | $35.00M | -15.6% |
| Pre-tax income | $39.00M | $32.00M | -$7.00M | -$117.00M | $18.00M | +21.9% |
| Tax provision | $14.00M | $15.00M | -$2.00M | -$31.00M | $4.00M | -6.7% |
| Net income | $25.00M | $17.00M | -$5.00M | -$86.00M | $14.00M | +47.1% |
| Net income to common | $25.00M | $17.00M | -$5.00M | -$86.00M | $14.00M | +47.1% |
| Basic EPS | 0.27 | 0.18 | -0.06 | -0.87 | 0.14 | +50.0% |
| Diluted EPS | 0.26 | 0.17 | -0.06 | -0.87 | 0.13 | +52.9% |
| Basic shares | 92.59M | 94.44M | 83.33M | 98.85M | 100.00M | -2.0% |
| Diluted shares | 95.00M | 96.00M | 97.00M | 98.85M | 101.00M | -1.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $770.00M | $621.00M | $637.00M | $571.00M | $712.00M | +24.0% |
| Accounts receivable | $1.65B | $1.63B | $1.67B | $1.67B | $1.68B | +1.0% |
| Property, plant & equipment | $21.00M | $21.00M | $23.00M | $27.00M | $28.00M | 0.0% |
| Goodwill & intangibles | $430.00M | $430.00M | $434.00M | $435.00M | $436.00M | 0.0% |
| Total assets | $47.30B | $48.00B | $48.68B | $49.31B | $50.22B | -1.5% |
| Current debt | $4.17B | $4.47B | $4.27B | $4.08B | $3.87B | -6.7% |
| Long-term debt | $39.74B | $40.18B | $40.90B | $41.65B | $42.61B | -1.1% |
| Total debt | $43.91B | $44.65B | $45.17B | $45.74B | $46.48B | -1.7% |
| Total liabilities | $44.90B | $45.63B | $46.28B | $46.87B | $47.66B | -1.6% |
| Retained earnings | $4.56B | $4.55B | $4.55B | $4.57B | $4.67B | +0.2% |
| Shareholder equity | $2.40B | $2.38B | $2.40B | $2.44B | $2.56B | +0.8% |
| Net tangible assets | $1.97B | $1.95B | $1.97B | $2.00B | $2.13B | +1.0% |
| Shares issued | 93.78M | 468.00M | 466.67M | 466.67M | 466.60M | -80.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $25.00M | $17.00M | -$5.00M | -$86.00M | $13.00M | +47.1% |
| Stock-based compensation | $3.00M | $3.00M | $5.00M | $4.00M | $4.00M | 0.0% |
| Change in working capital | $102.00M | -$84.00M | $114.00M | -$33.00M | $30.00M | +221.4% |
| Operating cash flow | $143.00M | -$47.00M | $174.00M | $70.00M | $126.00M | +404.3% |
| Investing cash flow | $639.00M | $691.00M | $747.00M | $559.00M | $745.00M | -7.5% |
| Share buybacks | -$3.00M | -$23.00M | -$26.00M | -$26.00M | -$24.00M | +87.0% |
| Dividends paid | -$15.00M | -$15.00M | -$15.00M | -$16.00M | -$16.00M | 0.0% |
| Financing cash flow | -$774.00M | -$617.00M | -$689.00M | -$834.00M | -$849.00M | -25.4% |
| Free cash flow | $143.00M | -$47.00M | $174.00M | $70.00M | $126.00M | +404.3% |
| End cash position | $2.14B | $2.13B | $2.10B | $1.87B | $2.08B | +0.4% |
Options analytics
Put / call volume
0.34
Call-heavy session
Put / call open interest
179.00
Positioning, not flow
Max pain
5.00
-44.0% from spot
ATM implied vol
25.0%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
59
Contracts, this expiry
Put volume
20
Contracts, this expiry
Heaviest call OI
15.00
4 contracts
Heaviest put OI
5.00
716 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.20 | 0.29 | +46.4% |
| Mar 2026 | 0.16 | 0.20 | +24.7% |
| Dec 2025 | 0.31 | 0.02 | -93.6% |
| Sep 2025 | 0.18 | -0.84 | -572.7% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.09 | 7 | $131.00M | -10.3% |
| Next quarter | 0.21 | 7 | $134.50M | +4.3% |
| Current year | 0.76 | 7 | $533.33M | -3.2% |
| Next year | 0.96 | 7 | $580.00M | +8.8% |
Analyst targets & ownership
Mean target$8.93
High target$13.00
Low target$7.00
Implied upside-0.02%
Analyst count7
ConsensusHOLD
Strong buy / Buy0 / 1
Hold3
Sell / Strong sell1 / 2
Held by insiders2.30%
Held by institutions107.77%
Institutions holding351
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
9.08
-1.71% from price
SMA 20
9.33
-4.30% from price
SMA 50
9.22
-3.14% from price
SMA 100
8.75
+2.09% from price
SMA 200
9.27
-3.71% from price
EMA 12
9.16
-2.49% from price
EMA 26
9.23
-3.30% from price
EMA 50
9.15
-2.42% from price
RSI (14)
42.7
Neutral
MACD (12,26,9)
-0.08
Hist -0.06
ATR (14)
0.33
3.72% of price
Realised vol 30D
31.2%
Annualised
Bollinger upper
9.96
20, 2σ
Bollinger lower
8.70
20, 2σ
50 / 200 cross
Death
9.22 vs 9.27
Trend bias
Below 200
-3.71%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.71
Less volatile than market
Correlation to SPY
0.22
Largely independent
Realised vol 30D
31.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-44.0%
Peak to trough
Max drawdown 5Y
-66.6%
Peak to trough
ATR 14
0.33
3.72% of price
Beta (reported)
1.17
5Y monthly, from filing
Short interest
Shares short
12.00M
Prior 10.93M
Change vs prior
+9.8%
Shorts adding
% of float
28.67%
Heavily shorted
% of shares out
12.80%
Against total outstanding
Days to cover
10.6
Crowded exit
Float
62.88M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 5, 26 | Barclays | MAINTAINED | Underweight | Underweight |
| Jul 13, 26 | JP Morgan | MAINTAINED | Neutral | Neutral |
| Jul 7, 26 | TD Cowen | MAINTAINED | Sell | Sell |
| Apr 30, 26 | TD Cowen | MAINTAINED | Sell | Sell |
| Apr 30, 26 | Barclays | MAINTAINED | Underweight | Underweight |
| Apr 16, 26 | Morgan Stanley | MAINTAINED | Equal-Weight | Equal-Weight |
| Apr 9, 26 | JP Morgan | MAINTAINED | Neutral | Neutral |
| Apr 6, 26 | Barclays | MAINTAINED | Underweight | Underweight |
| Jan 29, 26 | Deutsche Bank | MAINTAINED | Hold | Hold |
| Jan 6, 26 | Barclays | MAINTAINED | Underweight | Underweight |
| Oct 30, 25 | JP Morgan | MAINTAINED | Neutral | Neutral |
| Oct 7, 25 | JP Morgan | MAINTAINED | Neutral | Neutral |
Dividends & splits
Forward rate$0.64 / yr
Forward yield7.16%
5-year avg yield4.32%
Payout ratio200.00%
Ex-dividend dateSep 4, 2026
Next pay dateSep 18, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-25
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-07-02
Annual report of employee stock purchase
11-K · 2026-06-23
Corporate Changes & Voting Matters
8-K · 2026-06-05
Corporate Changes & Voting Matters
8-K · 2026-05-29
Corporate Changes & Voting Matters
8-K · 2026-04-29
Headlines
Navient names Diane Offereins as new board member
GlobeNewswire · 12d ago
Navient Completes $612.5 Million Securitization Backed by Private Education Loans
GlobeNewswire · 19d ago
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Q2 Earnings Highlights: Navient (NASDAQ:NAVI) Vs The Rest Of The Consumer Finance Stocks
StockStory · 41d ago
Navient (NAVI): Buy, Sell, or Hold Post Q2 Earnings?
StockStory · 43d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.