Navient (NAVI)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$9.63+1.58%
Close 2026-09-04 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · NAVI
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -75.5% |
| Our one-year growth estimate | diamond | -67.8% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 7.7 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 37 industry peers · Company calendar date is not available
NAVI — debt issuance
Dated 2026-05-29
Entry into a Material Definitive Agreement. On May 29, 2026, Navient Corporation (the “ Company ”) completed a public offering of $500,000,000 aggregate principal amount of its 9.375% Senior Notes due 2031 (the “ Notes ”). The offering of the Notes was made pursuant to the Company’s shelf registration statement on Form S-3 (Registration No. 333-286944) filed with the Securities and Exchange Commission (the “ SEC ”) on May 2, 2025 including a related prospectus and prospectus supplement filed…
Why it matters: Net income growth is crucial for Navient's financial health and investor confidence.
Supportive ifNet income growth exceeds 10% year over year in the upcoming earnings report.
Worry ifNet income growth is flat or negative year over year.
Why it matters: The new CEO's vision will impact Navient's strategy and execution. This could affect investor confidence.
Watch forEdward Bramson has a clear plan. It will help make more money for shareholders.
Also watch forBramson does not share a clear plan. He may face problems soon.
Why it matters: Growth in net income shows good cost control and smart plans. This helps investor trust.
Supportive ifQ2 net income goes above $17M, showing steady improvement from Q1.
Worry ifNet income falls below $17M, showing problems with strategic plans.
Why it matters: The recent debt issuance may impact financial health and future spending plans.
Watch forThere are positive updates on spending plans after the $500M debt issuance.
Also watch forThere are bad updates or concerns about the debt. This could hurt financial health.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$209 on $10,000 · ±2.1% | How much price usually moves either way. |
| Bad day | $428 loss on $10,000 · 4.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $4,518 loss on $10,000 · 45.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: How Navient uses the $500M from its recent debt issuance will show its commitment to growth and stability.
Supportive ifThe company may announce specific growth plans funded by the $500M senior notes.
Worry ifNo clear plan or ineffective use of the funds raised from the debt issuance.
Why it matters: Revenue growth is a key driver for the financial sector. A drop below this level signals a slowdown.
Worry ifNavient's revenue growth drops below 13% year over year.
Less concerning ifNavient's revenue growth stays at or above 13% year over year.
Why it matters: A rise in net income would confirm progress on financial performance goals.
Supportive ifNet income over $25M in Q3 shows strong financial performance.
Worry ifNet income under $25M suggests ongoing financial problems.
Why it matters: Edward Bramson's leadership may change the company strategy. This could impact growth and spending.
Watch forEdward Bramson shared good news. These changes can help make more money for shareholders.
Also watch forNo big changes were announced. Investors gave negative feedback on the new strategy.
Why it matters: Updates will clarify how Navient plans to use the $500M raised. This impacts future growth and stability.
Watch forNavient shares details about projects or investments from the new debt.
Also watch forNo clear plans are shared on how the funds will be allocated, raising concerns.
Why it matters: A strong earnings report can show Navient's finances are getting better.
Supportive ifQ2 earnings beat analysts' expectations for net income.
Worry ifQ2 earnings results fall short of analysts' expectations for net income.
Why it matters: Edward Bramson's plan will shape Navient's next phase and impact shareholder value.
Supportive ifCEO Edward Bramson will announce plans after June 5, 2026.
Worry ifThe new CEO does not announce any plans in the first three months.
Why it matters: Loan growth is key for revenue. If growth is strong, it supports the company's transformation strategy.
Supportive ifLoan growth reported above 5% year over year in Q3 2026.
Worry ifLoan growth reported below 0% year over year in Q3 2026.
Why it matters: If revenue growth falls below this level, it shows a slowdown in the business. This could raise concerns about Navient's growth strategy.
Worry ifQ3 revenue growth reported below 10% year over year.
Less concerning ifQ3 revenue growth remains above 10% year over year.
Why it matters: Better operating income shows good cost management. This can help gain investor trust.
Supportive ifOperating income was over $40M for Q3.
Worry ifOperating income was below $39M for Q3.