Navient (NASDAQ:NAVI) Reaches New 52-Week Low on Disappointing Earnings

Navient Corporation (NASDAQ:NAVI)’s stock price hit a new 52-week low during mid-day trading on Thursday following a dissappointing earnings announcement. The company traded as low as $9.77 and last traded at $9.81, with a volume of 2644847 shares. The stock had previously closed at $12.04.

The credit services provider reported $0.02 earnings per share for the quarter, missing analysts’ consensus estimates of $0.31 by ($0.29). Navient had a negative net margin of 2.47% and a positive return on equity of 4.70%. The company had revenue of $137.00 million during the quarter, compared to the consensus estimate of $144.25 million. During the same period last year, the firm posted ($0.24) EPS. Navient has set its FY 2026 guidance at 0.650-0.800 EPS.

Navient Dividend Announcement

The company also recently announced a quarterly dividend, which was paid on Friday, December 19th. Stockholders of record on Friday, December 5th were issued a $0.16 dividend. The ex-dividend date was Friday, December 5th. This represents a $0.64 annualized dividend and a dividend yield of 6.5%. Navient’s dividend payout ratio (DPR) is currently -78.05%.

Key Navient News

Here are the key news stories impacting Navient this week:

• Positive Sentiment: Navient is targeting aggressive growth — a 60% increase in loan originations to ~$4B in 2026 and plans for expense reductions and strategic realignment, which management frames as a path to rebuild revenue after legacy servicing issues. Navient targets 60% loan origination growth
• Positive Sentiment: Broader industry dynamics could help Navient: private student‑loan lenders say they may benefit from proposed federal repayment rule changes, a tailwind for originations and loan performance over time. Major private student-loan companies ‘excited’ about Trump’s repayment overhaul
• Neutral Sentiment: Management went through a detailed Q4 earnings call discussing legacy servicing losses and the growth strategy; investors will be watching execution and whether guidance is credible. Q4 2025 earnings call transcript
• Neutral Sentiment: Analysts remain conflicted on NAVI’s outlook, reflecting mixed views on how quickly growth initiatives will offset legacy headwinds. Analysts Conflicted on These Financial Names
• Negative Sentiment: Q4 results missed expectations: Navient reported $0.02 EPS vs. ~$0.31 consensus and revenue of $137M vs. ~$144M; the company swung to a quarterly loss — the core reason for the immediate negative reaction. Navient Reports Sales Below Analyst Estimates In Q4 CY2025 Earnings
• Negative Sentiment: Following the miss, several outlets reported sharp share weakness and a one‑day drop; the stock hit a new 1‑year low as investors adjusted risk perceptions. Navient Reaches New 1-Year Low Following Weak Earnings
• Negative Sentiment: Analyst actions are weighing on sentiment: Deutsche Bank cut its price target from $15 to $9 and the consensus broker view has shifted toward sell/strong‑sell, limiting near‑term upside until results stabilize. Navient price target lowered by Deutsche Bank
• Negative Sentiment: Media coverage and summaries note the stock plunged on the earnings miss and several outlets flagged a ~10% intraday decline post‑report, increasing downside momentum. Navient Stock Price Down 10% After Earnings Miss

Analysts Set New Price Targets

Several brokerages have weighed in on NAVI. Wall Street Zen cut shares of Navient from a “hold” rating to a “sell” rating in a research report on Saturday, November 1st. JPMorgan Chase & Co. dropped their target price on shares of Navient from $14.00 to $12.50 and set a “neutral” rating for the company in a report on Thursday, October 30th. Barclays set a $9.00 target price on Navient in a research note on Thursday. Weiss Ratings restated a “sell (d)” rating on shares of Navient in a report on Monday, December 29th. Finally, Morgan Stanley set a $12.00 price objective on Navient in a report on Wednesday. Five equities research analysts have rated the stock with a Hold rating and five have given a Sell rating to the stock. Based on data from MarketBeat, Navient currently has an average rating of “Reduce” and a consensus price target of $11.63.

Institutional Inflows and Outflows

Hedge funds and other institutional investors have recently made changes to their positions in the company. Mitsubishi UFJ Trust & Banking Corp grew its stake in Navient by 21.0% in the fourth quarter. Mitsubishi UFJ Trust & Banking Corp now owns 181,300 shares of the credit services provider’s stock worth $2,357,000 after purchasing an additional 31,506 shares during the period. SG Americas Securities LLC boosted its holdings in shares of Navient by 105.8% during the 4th quarter. SG Americas Securities LLC now owns 55,285 shares of the credit services provider’s stock valued at $719,000 after buying an additional 28,418 shares in the last quarter. GAMMA Investing LLC grew its position in shares of Navient by 70.5% in the 4th quarter. GAMMA Investing LLC now owns 1,978 shares of the credit services provider’s stock worth $26,000 after buying an additional 818 shares during the period. JPMorgan Chase & Co. increased its stake in shares of Navient by 1.6% in the 3rd quarter. JPMorgan Chase & Co. now owns 749,903 shares of the credit services provider’s stock worth $9,861,000 after acquiring an additional 12,153 shares in the last quarter. Finally, Tudor Investment Corp ET AL lifted its position in Navient by 66.2% during the 3rd quarter. Tudor Investment Corp ET AL now owns 590,581 shares of the credit services provider’s stock valued at $7,766,000 after acquiring an additional 235,142 shares during the period. Hedge funds and other institutional investors own 97.14% of the company’s stock.

Navient Stock Down 0.7%

The stock’s 50 day simple moving average is $12.47 and its two-hundred day simple moving average is $12.75. The firm has a market cap of $956.57 million, a P/E ratio of -11.96 and a beta of 1.29. The company has a debt-to-equity ratio of 16.94, a current ratio of 9.01 and a quick ratio of 9.41.

Navient Company Profile

Navient Corporation (NASDAQ: NAVI) is a specialized provider of asset management and business processing solutions, with a primary focus on student loan servicing. Established in 2014 through the separation from Sallie Mae, Navient assumed responsibility for servicing federal and private education loans, positioning itself as one of the largest servicers of higher education debt in the United States.

The company’s core activities center on federal student loan servicing under contracts with the U.S.