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NANAVI

Navient Corporation

$NAVI·$774M·Financial - Credit Services·Financial Services
$8.65-0.2%YTD-33.5%1Y-39.9%
Mentions · last 7 days
2026-07-10: 0 posts2026-07-11: 10 posts2026-07-12: 21 posts2026-07-13: 18 posts2026-07-14: 15 posts2026-07-15: 26 posts2026-07-16: 17 posts129+33%
Price updated 1h ago·X counts updated 59m ago
NANAVI
$NAVINavient Corporation
$8.65-0.23%129 posts+33%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $NAVI, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Comeback attemptWinding up for a moveAI verdict · as of 2026-07-16

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Navient issued $500M of 9.375% senior notes and disclosed a ransomware incident at a third-party law firm exposing borrower PII.

Navient Corporation services education loans and provides business processing across education, healthcare, and government, $774M market cap, with Q2 2026 earnings due 2026-08-06.

  • Q1 revenue was $695M, down 16.1% year-over-year and 8.7% sequentially — the fourth consecutive quarter of double-digit revenue declines as legacy student-loan portfolios amortize.
  • Q1 EPS $0.20 versus $0.17 consensus (17.6% surprise) — prior surprises 61%, -22%, and -94% (Q4 2025) reflected one-time restructuring items.
  • Gross margin 29.9% trailing, operating margin 17.6%, FCF yield 44.0% — reflects melting-ice-cube dynamic where cash flow precedes eventual revenue decline.
  • Consensus models 2026 revenue $595M easing from $695M Q1 run rate, EPS $0.70 rising to $0.94 in 2027 and $1.18 in 2028 — assumes cost-out execution.
  • On May 29, Navient completed a $500M public offering of 9.375% Senior Notes due 2031 — expensive but needed refinancing.
  • On July 2, Navient disclosed a material cybersecurity incident: ransomware at a third-party law firm exposed borrower PII — real reputational and litigation risk.
  • On May 21, Navient declared a Q2 dividend — capital return continuing despite deceleration.
  • The stock is down 42% over twelve months and 35% year-to-date, at 15% of the 52-week range — a coiled base.

The setup is a runoff-mode student-loan servicer with cybersecurity headwind and expensive refi — August 6 tests cost-cut trajectory.

Differs from X sentimentX chatter on the NAVI cashtag is dominated by crypto vote-pledging spam tied to a single AtlasNavi token address (1.5M downloads, 19.8M NAVI rewards distributed) — this is unrelated to Navient the equity. Sentiment on the equity is not visible in the sample, so no directional alignment is scored on the actual company. The ticker_collision flag is set. The equity's fundamentals — runoff portfolio, $500M note issuance, and cybersecurity incident — are the load-bearing story.

What to watch: August 6 Q2 earnings — revenue trajectory versus the -16% Q1 pace, cost-cut execution against the turnaround plan, cybersecurity-incident update and any litigation exposure, and any commentary on portfolio wind-down timing and dividend policy. Full-year 2026 revenue guide versus the $595M consensus is the anchoring model number.

On the calendar: 2026-08-06 Q2 2026 earnings; cost-cut trajectory and cybersecurity update drive the print.

ticker collision

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Neutral sentiment5 posts analyzed · as of 2026-06-10

Nearly all engagement on the $NAVI cashtag is crypto vote-pledging spam tied to a single token address, not Navient the equity. AtlasNavi crypto highlights 1.5M downloads and 19.8M $NAVI rewards distributed. The thread carries effectively no substantive signal on the loan servicer.

Read the AI verdict + X sentiment for $NAVI

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Services federal student loans and provides business process outsourcing for education, healthcare, and government clients.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $NAVI.

Financial - Credit Services · Financial Services

No material change from last week — AI agents transacting autonomously on behalf of consumers could decouple purchase decisions from card rails, threatening the interchange fee model.

What this means for $NAVI

Neutral — Services federal student loans and provides business process outsourcing for education, healthcare, and government clients; limited exposure means the consumer credit resilience and AI agent payment channel expansion is not a near-term catalyst or headwind.

Industry benchmark

14-name peer basket
+3.2%YTD
-14.6%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-12.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
0.9%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
17.6%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
44.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.2Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-2.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
29.9%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
19.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026Apr 29, 2026$0.20$0.17+17.6%
Q4 2025Jan 28, 2026$0.02$0.31-93.6%
Q3 2025Oct 29, 2025$0.29$0.18+61.1%
Q2 2025Jul 30, 2025$0.21$0.27-22.2%
Next earningsThu, Aug 6·consensus EPS $0.18

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$695.0M-16.1%18.8%1.6%$0.18$-47.0M
Q4 FY25$761.0M-22.1%88.4%82.3%$-0.06$174.0M
Q3 FY25$800.0M-20.4%-0.9%-14.6%$-0.87$70.0M
Q2 FY25$806.0M-26.1%14.8%2.2%$0.14$126.0M

Forward consensus

3-year forecast · up to 4 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$594.7M$564.7M – $615.3M$0.70$0.60 – $0.774
FY27$676.0M$573.0M – $745.8M$0.94$0.82 – $1.034
FY28$921.8M$833.4M – $1.0B$1.18$1.03 – $1.332

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.5×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.18%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+4.9%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-15.0%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

β1.215-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.FilingActive offeringA shelf registration (S-3 / S-3ASR / S-1) or prospectus supplement (424B*) was filed in the last 90 days — the company is registered to (or actively) issuing new shares. Dilution risk.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

No open-market buys or sells in the last 180 days.

+ 20 other (11 inkinds · 7 awards · 1 return · 1 exempt) in window

See when $NAVI insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KMaterial eventJul 28-K — Item 1.05
AI summary

Navient disclosed a material cybersecurity incident: a ransomware attack at a third-party law firm exposed borrower PII including names, dates of birth, addresses, and Social Security numbers, discovered June 8, 2026. Navient engaged external cybersecurity experts and is notifying regulators, law enforcement, and affected individuals. Material PII breach at a third-party provider with regulatory and reputational risk.

8-KShareholder voteJun 58-K — Item 5.07: Shareholder vote
AI summary

Navient Corporation (NAVI) disclosed the results of its annual meeting of shareholders in an 8-K filing under Item 5.07. Shareholders voted on an advisory say-on-pay resolution, ratification of the independent auditor. All management-sponsored proposals were approved by majority shareholder vote. Annual meeting results are a routine disclosure that confirms shareholder ratification of the board's composition and compensation practices.

8-KMaterial agreementMay 298-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation
AI summary

Navient Corporation completed a public offering of $500 million in aggregate principal of 9.375% Senior Notes due 2031 on May 29, 2026. The notes were issued under a shelf registration (No. 333-286944) via a Seventeenth Supplemental Indenture with The Bank of New York Mellon as trustee. Underwriters include BofA Securities, Barclays, J.P. Morgan, and RBC Capital Markets. This is a material debt issuance at a high coupon (9.375%) reflecting Navient's elevated credit risk; adds $500M to the balance sheet ahead of student loan wind-down.

424B5Prospectus supplement (offering)May 26424B5
AI summary

Navient Corporation filed a preliminary 424B5 prospectus supplement for an offering of senior notes due 2031 at a coupon and total amount still to be determined (shown as '% Senior Notes' and '$' in the preliminary filing). The notes are senior unsecured debt ranking equally with existing unsubordinated obligations; the preliminary supplement includes all standard terms, risk factors, and underwriting details with BofA, Barclays, JPMorgan, and RBC as joint book-runners. This is the preliminary prospectus filed before the final pricing — the completed $500M 9.375% deal was disclosed in the concurrent 8-K (Item 1.01).

SC 13D/AActivist amendmentApr 17SC 13D/A
AI summary

Navient Corporation (NAVI) received an amended Schedule 13D/A (Amendment No. 12) from Sherborne Investors, led by Edward Bramson, updating the activist investor's beneficial ownership position. This twelfth amendment reflects Bramson's persistent engagement with the student loan servicer. Sherborne has historically sought board representation and strategic changes at companies where it takes significant positions. The filing discloses current aggregate ownership, voting power, and any updated plans or proposals regarding Navient.

8-KOfficer or director changeApr 88-K — Item 5.02: Officer or director change
AI summary

Navient Corporation (NAVI) filed an 8-K on or around April 2 under Item 5.02 reporting a departure, appointment, or compensation change for a named executive officer or director. The student loan servicer disclosed the affected individual's identity, role, effective date, and transition terms. Leadership changes at Navient are of particular interest given the ongoing presence of activist investor Sherborne/Bramson. Full details are provided in the filing.

+ 11 other (3 13Gs · 2 earnings 8-Ks · 2 proxys · 1 11-K) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Navient to announce second quarter 2026 results, host earnings webcast August 6globenewswire.com·16d agoImplied Volatility Surging for Navient Stock Optionszacks.com·45d agoWhy Is Navient (NAVI) Down 10.1% Since Last Earnings Report?zacks.com·49d agoNavient's Turnaround Strategy: Can Cost Cuts Offset Revenue Pressure?zacks.com·53d agoNavient declares second quarter common stock dividendglobenewswire.com·57d ago

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Voices on X · last 7 days

No standout posts about $NAVI on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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