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About the company
Navient Corporation provides technology-enabled education finance solutions. The Company's businesses include Federal Education Loans and Consumer Lending. The Company's Federal Education Loans business includes owning and managing Federal Family Education Loan Program (FFELP) Loans and is the master servicer on this portfolio. Its Consumer Lending business includes owning and managing Private Education Loans and is the master servicer for these portfolios. The Company, through its Earnest brand, also refinances and originates in-school Private Education Loans. The Company helps students and families on the planning and paying for college journey. Its digital tools empower people to find scholarships and compare financial aid offers.
- Revenue in USD (TTM)732.00m
- Net income in USD56.00m
- Incorporated2013
- Employees2.10k
- LocationNavient Corp13865 SUNRISE VALLEY DRIVEHERNDON 20171United StatesUSA
- Phone+1 (703) 810-3000
- Fax+1 (302) 636-5454
- Websitehttps://www.navient.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| X Financial (ADR) | 918.99m | 227.60m | 767.79m | 563.00 | 3.76 | -- | -- | 0.8355 | 4.84 | 4.84 | 19.45 | -- | 0.5449 | -- | 3.29 | 1,632,315.00 | 12.93 | 6.70 | 15.82 | 8.67 | 72.96 | 56.88 | 23.74 | 15.15 | -- | 80.66 | 0.2526 | -- | 21.95 | 13.71 | 29.75 | 14.74 | -1.25 | -- |
| Nerdwallet Inc | 734.90m | 29.50m | 773.44m | 650.00 | 29.85 | 2.08 | 9.80 | 1.05 | 0.3477 | 0.3477 | 9.29 | 4.99 | 1.60 | -- | 6.45 | 1,130,615.00 | 6.41 | -1.64 | 7.59 | -1.91 | 90.82 | 91.55 | 4.01 | -1.18 | -- | -- | 0.00 | -- | 14.71 | 24.67 | 357.63 | 1.73 | 7.55 | -- |
| EZCORP Inc | 1.20bn | 89.55m | 782.85m | 8.00k | 11.97 | 0.9193 | 6.41 | 0.651 | 1.19 | 1.19 | 14.39 | 15.48 | 0.7205 | 2.67 | 16.26 | 150,307.30 | 5.37 | 1.70 | 6.17 | 1.94 | 58.71 | 58.48 | 7.45 | 2.41 | 3.25 | -- | 0.4221 | 0.00 | 10.73 | 6.52 | 116.04 | 94.33 | -1.64 | -- |
| Atlanticus Holdings Corp | 613.26m | 95.44m | 807.74m | 417.00 | 10.33 | 1.51 | 8.10 | 1.32 | 5.17 | 5.17 | 32.42 | 37.93 | 0.2024 | -- | -- | 1,470,645.00 | 3.81 | 5.98 | 4.07 | 6.34 | 51.67 | 63.53 | 18.82 | 24.79 | -- | -- | 0.8131 | 0.00 | 23.95 | 10.83 | 12.52 | 28.14 | 48.23 | -- |
| World Acceptance Corp | 564.84m | 89.74m | 883.24m | 2.84k | 10.18 | 2.04 | 8.84 | 1.56 | 16.35 | 16.35 | 102.57 | 81.78 | 0.5473 | -- | -- | 199,028.00 | 8.70 | 6.16 | 9.93 | 7.11 | 92.27 | 92.84 | 15.89 | 11.55 | -- | -- | 0.5042 | 0.00 | -1.46 | -0.8687 | 16.03 | 26.09 | -32.21 | -- |
| LexinFintech Holdings Ltd - ADR | 1.96bn | 185.04m | 1.09bn | 4.67k | 6.11 | 0.7009 | -- | 0.5585 | 1.06 | 1.06 | 11.33 | 9.27 | 0.6128 | 368.78 | 2.46 | 419,573.00 | 5.79 | 5.48 | 10.65 | 11.56 | 35.89 | 36.50 | 9.45 | 9.84 | 1.85 | 3.59 | 0.3245 | 5.07 | 8.78 | 6.02 | 3.24 | -13.67 | 37.72 | -- |
| Guild Holdings Co | 1.25bn | 44.74m | 1.23bn | 5.27k | 30.84 | 1.02 | 15.01 | 0.9876 | 0.6433 | 0.6433 | 19.98 | 19.39 | 0.294 | -- | 20.60 | 237,253.70 | 1.05 | 5.26 | 1.09 | 5.51 | -- | -- | 3.56 | 15.41 | -- | 1.42 | 0.7001 | 17.50 | 39.18 | 3.01 | 349.00 | 77.09 | 20.39 | -- |
| Navient Corp | 732.00m | 56.00m | 1.46bn | 2.10k | 28.47 | 0.5669 | 58.22 | 1.99 | 0.5055 | 0.5055 | 6.81 | 25.38 | 0.0133 | -- | 13.31 | 348,571.40 | 0.1018 | 0.571 | 0.1112 | 0.6354 | 106.83 | 108.21 | 7.65 | 30.35 | -- | -- | 0.9486 | 21.99 | -31.78 | -13.57 | -42.54 | -26.17 | -- | 0.00 |
| LendingClub Corp | 824.03m | 50.75m | 1.49bn | 1.00k | 29.31 | 1.09 | 13.42 | 1.81 | 0.4446 | 0.4446 | 7.20 | 11.95 | 0.0835 | -- | -- | 822,389.30 | 0.5145 | 0.6946 | 3.51 | 2.79 | -- | -- | 6.16 | 5.13 | -- | -- | 0.8678 | 0.00 | -8.98 | -4.78 | 31.82 | -- | 1.39 | -- |
Data as of Jul 18 2025. Currency figures normalised to Navient Corp's reporting currency: US Dollar USD
68.63%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Sherborne Investors Management LPas of 31 Mar 2025 | 29.45m | 27.43% |
| BlackRock Fund Advisorsas of 31 Mar 2025 | 11.78m | 10.97% |
| The Vanguard Group, Inc.as of 31 Mar 2025 | 8.65m | 8.06% |
| Dimensional Fund Advisors LPas of 31 Mar 2025 | 8.50m | 7.91% |
| LSV Asset Managementas of 31 Mar 2025 | 3.92m | 3.65% |
| SSgA Funds Management, Inc.as of 31 Mar 2025 | 3.83m | 3.57% |
| Orbis Investment Management Ltd.as of 31 Mar 2025 | 2.31m | 2.15% |
| American Century Investment Management, Inc.as of 31 Mar 2025 | 1.95m | 1.82% |
| Geode Capital Management LLCas of 31 Mar 2025 | 1.85m | 1.73% |
| Charles Schwab Investment Management, Inc.as of 31 Mar 2025 | 1.44m | 1.34% |
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Data from 31 Mar 2025 - 31 Mar 2025Source: FactSet Research Systems Inc.
