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NANAVI

Navient Corporation

$NAVI·$853M·Financial - Credit Services·Financial Services
$9.46+1.6%YTD-28.1%1Y-30.7%
Mentions · last 7 days
2026-08-20: 2 posts2026-08-21: 1 posts2026-08-22: 1 posts17+6%
Price updated 1d ago·X counts updated 7d ago
NANAVI
$NAVINavient Corporation
$9.46+1.61%17 posts+6%
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 attemptStalledAI verdict · as of 2026-08-21

The move has stalled — likely just drifts unless something new shows up.

Post-runoff student-loan servicer trading like a distressed asset — beat cadence intact, but the tape doesn't care.

Navient is what's left of the SLM Corp private-student-loan and federal-loan-servicing spinoff — the loan book is running off, the business-services segments are the growth vector, and management has been cutting cost to fit a smaller company.

  • Q1 revenue was down 16% year-on-year to $695M — the runoff is exactly what the model expects, and revenue decline in this specific case is not a broken thesis but a controlled portfolio wind-down.
  • Q2 EPS came in at $0.29 vs $0.20 consensus — a 44% beat, and management has been buying back stock aggressively (the fool.com read of 'cost-cutting sets stage for profitability' is the right framing).
  • Trades at ~-12x TTM P/E (trailing losses) with a huge 44% FCF yield — the FCF is very real (portfolio runoff cash), the market just doesn't want to pay for it.
  • On Jul 2 the company disclosed a material cybersecurity incident (ransomware at a third-party law firm exposing borrower PII) — a real overhang that adds legal-exposure risk on top of an already-out-of-favor equity.

What restarts the move is Oct 28 Q3 confirming the cost-cutting is dropping to operating profit alongside a specific buyback pace disclosure — the FCF has to translate to per-share value or the current tape is fair. What sustains the stall is another year of tape distribution as the loan book keeps running off; the equity is essentially a value trap until the market decides to price the runoff at real cash-generation value.

Differs from X sentimentThe X sample under $NAVI is entirely AtlasNavi crypto content — nothing about Navient the equity. Treat the ticker chatter as pure noise; the real story is the runoff economics, cost cuts, and the cybersecurity incident overhang.

What to watch: Oct 28 Q3 earnings — cost-cut execution and buyback pace. Watch the cybersecurity-incident disclosure updates for any specific class-action filing.

On the calendar: 2026-10-28 — Q3 earnings

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 read-through from financial - credit services macro dynamics to this specific revenue mix.

Industry benchmark

18-name peer basket
-0.4%YTD
-9.7%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
Q2 2026Aug 6, 2026$0.29$0.20+43.9%
Q1 2026Apr 29, 2026$0.20$0.17+17.6%
Q4 2025Jan 28, 2026$0.02$0.31-93.6%
Q3 2025Oct 29, 2025$-0.84$0.18-566.7%
Next earningsWed, Oct 28·consensus EPS $0.10

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$595.7M$565.8M – $616.5M$0.71$0.65 – $0.774
FY27$683.0M$577.5M – $751.6M$0.94$0.81 – $1.034
FY28$874.6M$805.0M – $956.5M$1.02$0.91 – $1.141

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.1.0×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.33%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.+8.4%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.-2.0%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 92.3M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.2% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.195-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.

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.

+ 12 other (7 awards · 3 inkinds · 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
Free, forever. No credit card.

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 10-Qs · 2 earnings 8-Ks · 2 proxys) in window

Recent news

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

Can Navient's Cost-Cutting Strategy Set the Stage for Profitability?zacks.com·10d agoNavient declares third quarter common stock dividendglobenewswire.com·16d agoVINCI COMPASS REPORTS SECOND QUARTER 2026 EARNINGS RESULTS AND ANNOUNCES THE ACQUISITION OF NAVI'S REAL ESTATE PLATFORMprnewswire.com·18d agoBank of New York Mellon Corp Has $3.13 Million Stock Holdings in Navient Corporation $NAVIdefenseworld.net·22d agoNavient Stock Up on Q2 Earnings Beat, Expenses & Provisions Fall Y/Yzacks.com·22d 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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