7.84
-6.89%
Close of 9 Nov 2026, in USD
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About Navient
Its shares trade under the ticker NAVI. It has been listed since 17 April 2014. In the fiscal year to 31 December 2025, it reported a net loss of $80.0m. At that date it held total assets of $48.68bn and shareholders' equity of $2.40bn.
Navient Corp. engages in the provision of asset management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels. The company is headquartered in Wilmington, Delaware. The company went IPO on 2014-04-17. The firm holds the portfolio of education loans insured or federally guaranteed under the Federal Family Education Loan Program (FFELP). The company operates through four segments: FFELP Loans, Private Education Loans, Business Services and Other. The company also holds the portfolio of Private Education Loans. The company services its own portfolio of education loans, as well as education loans owned by the United States Department of Education (ED), financial institutions and nonprofit education lenders. The company also provides business processing services to education-related clients, such as guaranty agencies and colleges and universities. The company provides additional business processing services to a range of other clients, including federal agencies, state and local governments, healthcare systems and other healthcare providers and municipalities.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 17 Apr 2014
- Employees
- 670
- Website
- navient.com ↗
- Head office
- 13865 SUNRISE VALLEY DRIVE, HERNDON, VA, 20171
- Incorporated in
- DE
- Classification
- Security Brokers, Dealers & Flotation Companies
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Ms. Linda MillsIndependent Chair of the Board$410,047
- Mr. David YowanPresident, Chief Executive Officer, Director, since 2017$6.1m
- Mr. Edward BramsonIndependent Vice Chair of the Board
- Mr. Steve HauberExecutive Vice President, Chief Financial Officer, Principal Accounting Officer$2.2m
- Mr. Troy StandishChief Operating Officer, Executive Vice President$1.6m
- David GreenExecutive Vice President, Chief Executive Officer - Earnest
- Mr. Fredrick ArnoldIndependent Director$260,057
- Ms. Anna CabralIndependent Director$285,063
- Mr. Larry KlaneIndependent Director$277,563
- Mr. Michael LawsonIndependent Director$260,057
- Ms. Jane ThompsonIndependent Director$280,063
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 46
- Environment
- 11
- Social
- 67
- Governance
- 60
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Leading Student Loan Servicer: Navient Corp is one of the top student loan servicers in the United States, with a significant market share and a strong reputation in the industry.
- Diversified Revenue Streams: The company provides a range of services beyond loan servicing, including asset recovery, loan origination, and business processing solutions. This diversification helps mitigate risks and enhances overall financial stability.
- Efficient Technology Platforms: Navient utilizes advanced technology platforms to streamline operations and enhance customer experience, enabling efficient loan processing and communication with borrowers.
Weaknesses
- Regulatory Challenges: The student loan industry is subject to extensive regulatory scrutiny, and Navient has faced lawsuits and investigations related to loan servicing practices. These legal challenges pose potential financial and reputational risks.
- Concentration on Student Loan Market: Navient heavily relies on the student loan industry for a significant portion of its revenue. Economic downturns or changes in government policies regarding higher education loans could impact the company's performance.
- High Debt Levels: Navient has a considerable amount of debt on its balance sheet, which increases the company's vulnerability to interest rate fluctuations and limits financial flexibility for future growth opportunities.
Opportunities
- Expansion into New Markets: Navient can explore opportunities to expand its services beyond student loan servicing, potentially entering the mortgage or personal loan servicing markets. This diversification could reduce dependence on the student loan industry.
- Growing Student Loan Market: As the cost of education continues to rise, the demand for student loans is expected to increase. Navient can leverage its expertise and market presence to capture a larger share of this growing market.
- Technological Advancements: Continual advancements in technology provide Navient with opportunities to enhance its digital platforms, offering innovative tools for borrowers and creating more efficient operational processes.
Threats
- Economic Downturns: During economic downturns or recessions, borrowers may struggle to repay their loans, leading to an increase in delinquencies and defaults. This could significantly impact Navient's profitability and loan portfolio quality.
- Competition from Rivals: Navient operates in a highly competitive industry, facing competition from other student loan servicers, financial institutions, and new entrants. Intensifying competition could impact market share and pricing power.
- Changes in Government Policies: Changes in government policies regarding student loan regulations, interest rates, or forgiveness programs could affect Navient's business model and profitability. Adapting to these policy changes is crucial for the company's long-term success.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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