Navient Corp (NAVI)

Over the past six months, Navient's stock price has decreased by 22.50%, reaching $12.19 per share on October 17, 2025. Key events include quarterly earnings announcements, where the company missed earnings estimations in the last reported quarter. The board approved a third-quarter dividend of $0.16 per share. Navient finalized the sale of its Government Services business and announced strategic actions to simplify the company, including outsourcing student loan servicing and exploring options for its business processing division. They also finalized a student loan servicing agreement and announced the sale of its Healthcare Services business.

While specific demand seasonality for Navient is not detailed, the lending industry can experience seasonal fluctuations, such as a slowdown in loan originations during holiday periods. The education finance sector may also see demand shifts aligned with academic calendars, like increased activity around enrollment periods.

Navient Corporation is an American financial services company providing technology-enabled education finance solutions, operating in the Credit Services industry within the Financial Services sector. Its business is divided into three segments: Federal Education Loans, Consumer Lending, and Business Processing. The Federal Education Loans segment manages FFELP loans, generating revenue through net interest income. The Consumer Lending segment manages private education loans and refinances/originates in-school loans via its Earnest brand. The Business Processing segment offers solutions for education, healthcare, and government clients.

Navient Corporation is headquartered in Wilmington, Delaware, with offices across the United States, focusing its operations and services primarily within the U.S.

Navient's brand reputation presents a mixed picture, with recognition as a "Best Place to Work for Working Daughters" contrasted by past controversies. Navient was banned from servicing most federal student loans and required to pay fines and compensation under a proposed settlement with the CFPB, following a previous settlement over accusations of misleading borrowers.

Navient Corporation has significant institutional ownership, with institutional investors holding 101.07% of the company's shares as of September 2025. Major institutional owners include Sherborne Investors Management LP, BlackRock, Inc., Dimensional Fund Advisors LP, Vanguard Group Inc., LSV Asset Management, State Street Corp, and Orbis Allan Gray Ltd. Insider holdings remained unchanged at 1.00% in September 2025.