Navient (NAVI)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
$9.07+9.81%
Close 2026-11-04 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
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 | -75.8% |
| Our one-year growth estimate | diamond | -72.8% |
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
Usually moved in the opposite direction.
Price observations: 365 days
Most sensitive to the broad stock market and long-term interest rates.
Based on historical daily prices through 2026-11-04.
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 2.9 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 22 industry peers · Company calendar date is not available
NAVI — director transition
Dated 2026-09-25
Director — Diane E. Offereins: The filing discloses the routine appointment of a new independent director to the Board, which is a standard governance action and not an executive departure.
Why it matters: Management lists loan growth and product expansion as priorities. Q1 and Q2 revenue alone do not show progress on either goal.
Supportive ifResults name a loan-growth or product-expansion measure and show growth from the prior quarter or year.
Worry ifResults give no loan-growth or product-expansion measure, or show that loan growth or product reach fell.
Why it matters: Navient says the new parent will be Navient Holdings. A delay or a change to the share plan could weaken the case for a simpler structure.
Watch forNavient says Navient Holdings will be in place during Q4 2026. Shares convert one-for-one, and NAVI trading continues without a break.
Also watch forNavient reports that the change is delayed past Q4, shares will not convert one-for-one, or NAVI trading will pause.
Why it matters: The last report was called an earnings beat, but the inputs give no earnings figures. The next report can show whether results stay strong.
Watch forThe Q3 report shows revenue above the Q2 level of $682 million and reports positive net income.
Also watch forThe Q3 report shows revenue below $682 million or reports a net loss.
Why it matters: The current signal marks Navient as loss-making. Positive net income in a report would show a change; another loss would confirm the risk remains.
Watch forA quarterly report shows net income above zero.
Also watch forA quarterly report shows net income at or below zero.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$176 on $10,000 · ±1.8% | 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 | $4,404 loss on $10,000 · 44.0% | 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: The signal set marks management as capital-unfriendly. A clear plan with actions and amounts would help investors check that signal.
Watch forNavient names a capital action and its amount, such as debt paydown, a share buyback, or a dividend.
Also watch forNavient gives no capital action, or names a use of funds that raises debt or cuts cash returned to owners.