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Employees: 670
Size Navient (NAVI) is a United States Financials company (Finance/Rental/Leasing) with a market value of $790M, the 2405th largest of 3,117 United States companies the cockpit tracks. Shares closed at $8.42 on 6 Nov 2026.
Performance Over six months the shares fell 1.4%, against -12.6% for the median peer and -1.1% for the United States market (cap-weighted) — 6th highest of 21 in its peer set.
Growth Revenue fell 17.2% over the last twelve months (peer median +16.5%); the operating margin is 78.9% (peer median 30.5%).
Valuation It trades at 0.33× book value against a peer median of 0.95× (5th cheapest of 21).
Price implies The share price implies a return on equity of about 5.6%; Navient delivers -2.0%, so the price asks more than the business earns today.
Credit Navient has 9 bonds outstanding ($4.54B), rated BB- by the agencies and trading like B- at a weighted spread of 552 bp.
Short interest Short interest is 12.7% of the free float (15 Oct 2026).
Next results Next results expected around 26 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $2.99B | $3.20B | $4.25B | $4.92B | $3.81B |
| Revenue growth | — | -25% | -14% | +29% | — |
| Gross profit | $2.76B | $2.96B | $3.66B | $4.40B | $3.26B |
| EBITDA | $2.63B | $2.77B | $3.58B | $4.07B | $3.12B |
| Net income | -$49.0M | -$80.0M | $131M | $228M | $645M |
| Free cash flow | $340M | $441M | $459M | $676M | $305M |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Total debt | $44.3B | $45.7B | $48.3B | $57.6B | $66.9B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | NAVI | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -9.2% | -2.8% | 6th lowest of 21 |
| 6-month return | -1.4% | -12.6% | 6th highest of 21 |
| Return on equity | -2.0% | 11.9% | 5th lowest of 21 |
| Price / book | 0.33× | 0.95× | 5th cheapest of 21 |
| ROE the price implies | 5.6% | 8.2% | 8th least demanding of 21 |
| ROE delivered | -2.0% | 11.9% | 4th lowest of 19 |
| Bond spread | 552 bp | n/a | — |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Navient NAVI | United States | $790M | -1% | -17% | -2% | 0.33× | 5.6% | -2.0% |
| Tourism Finance Corporation of India TFCILTD.NS | India | $787M | +92% | +28% | 12% | 5.34× | 65.6% | 12.4% |
| Burford Capital BUR.L | United Kingdom | $798M | -19% | -415% | -98% | 0.93× | 12.6% | -98.3% |
| Allied 0373.HK | Hong Kong | $800M | -34% | -40% | 2% | 0.13× | 3.4% | 1.7% |
| Japan Investment Adviser 7172.T | Japan | $804M | -6% | +16% | 18% | 1.56× | 7.9% | 17.8% |
| Lufax 6623.HK | Hong Kong | $773M | -59% | +5% | -3% | 0.07× | 3.8% | n/a |
| Paisalo Digital PAISALO.NS | India | $752M | +52% | +24% | 15% | 3.56× | 49.6% | 14.7% |
| Orient 8585.T | Japan | $831M | -24% | +4% | 4% | 0.54× | 4.4% | 4.2% |
| Funding Circle FCH.L | United Kingdom | $744M | +49% | +53% | 29% | 2.30× | 26.2% | 28.5% |
| RFA Financial RFA.TO | Canada | $741M | -6% | +32% | -14% | 0.74× | 5.5% | -13.8% |
| FinVolution Group Sponsored ADR FINV | United States | $740M | -43% | -2% | 12% | 0.29× | 4.1% | 11.7% |
| Judo Capital JDO.AX | Australia | $728M | -32% | +12% | 6% | 0.59× | 8.7% | 6.4% |
| India Shelter Finance INDIASHLTR.NS | India | $727M | -26% | +25% | 17% | 2.12× | 21.3% | n/a |
| FleetPartners FPR.AX | Australia | $723M | +78% | +4% | 12% | 1.67× | 12.7% | 12.2% |
| Nishio 9699.T | Japan | $722M | -5% | -2% | 8% | 0.79× | 4.4% | 7.8% |
| Green Dot GDOT | United States | $697M | -3% | +18% | -3% | 0.74× | 7.8% | -2.8% |
| Velocity Financial VEL | United States | $696M | -3% | +32% | 16% | 0.96× | 8.5% | 16.1% |
| Yixin 2858.HK | Hong Kong | $695M | -58% | +18% | 8% | 0.28× | 5.5% | 8.1% |
| Mcmillan Shakespeare MMS.AX | Australia | $913M | +12% | +8% | 89% | 10.41× | 85.9% | 89.2% |
| SY Holdings Group Limited 6069.HK | Hong Kong | $917M | -25% | +17% | 13% | 1.58× | 7.2% | 13.0% |
| Aptus Value Housing Finance India APTUS.NS | India | $927M | -36% | +18% | 20% | 1.60× | 23.2% | 20.3% |
Navient has 9 bonds outstanding with $4.54B face value. The agencies rate it BB-; its bonds trade like B-. Weighted yield 10.08%, a spread of 552 bp over government bonds.