NAVIFinancial Services · Credit ServicesThe 6 Wall Street analysts covering Navient Holdings, Inc. hold a median 12-month price target of $8.75 — -3.5% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 70 of 100 as at 4 Nov 2026 — in the upper half. The factors read stronger than the Street's target implies. That gap is the story on this page.
Consensus tells you what everyone already believes. The model scores Navient Holdings, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Issuance (99): The share count has been shrinking and the company is not leaning on new borrowing.
Momentum (29): The shares have been drifting down relative to others.
Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.
The bullish and bearish analyst opinions on NAVI, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits −3.5% from it.
Of the 20 most recent actions, 1 moved their price target up and 3 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 12 Oct 2026 | JP Morgan | Maintains | Neutral | $8.00 → $8.50 |
| 5 Oct 2026 | Barclays | Maintains | Underweight | $8.00 → $7.00 |
| 13 July 2026 | JP Morgan | Maintains | Neutral | $9.50 → $8.00 |
| 13 July 2026 | JP Morgan | Maintains | Neutral | — |
| 7 July 2026 | TD Cowen | Maintains | Sell | — |
| 7 July 2026 | TD Cowen | Maintains | Sell | $9.00 → $8.50 |
| 30 Apr 2026 | Barclays | Maintains | Underweight | — |
| 30 Apr 2026 | TD Cowen | Maintains | Sell | — |
| 16 Apr 2026 | Morgan Stanley | Maintains | Equal-Weight | — |
| 9 Apr 2026 | JP Morgan | Maintains | Neutral | — |
| 6 Apr 2026 | Barclays | Maintains | Underweight | — |
| 29 Jan 2026 | Deutsche Bank | Maintains | Hold | — |
| 6 Jan 2026 | Barclays | Maintains | Underweight | — |
| 30 Oct 2025 | JP Morgan | Maintains | Neutral | — |
| 7 Oct 2025 | JP Morgan | Maintains | Neutral | — |
| 1 Oct 2025 | Keefe, Bruyette & Woods | Maintains | Market Perform | — |
| 31 July 2025 | Keefe, Bruyette & Woods | Maintains | Market Perform | — |
| 31 July 2025 | Morgan Stanley | Maintains | Equal-Weight | — |
| 11 July 2025 | JP Morgan | Maintains | Neutral | — |
| 9 July 2025 | Keefe, Bruyette & Woods | Maintains | Market Perform | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
NAVI appears in the Radar on the weeks it earns a place.
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Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 4 Nov 2026, Navient Holdings, Inc. returned −19.1% against +14.8% for the S&P 500, dividends included.
Download this chart as an image — free to reuse; link this page as the source.
Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 18% of US stocks
Cheaper than 45% of US stocks
Cheaper than 85% of US stocks
Higher than 38% of US stocks
Higher than 81% of US stocks
Higher than 89% of US stocks
Higher than 17% of US stocks
Higher than 42% of US stocks
Higher than 43% of US stocks
Higher than 95% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
Navient Holdings, Inc. has a market value of $850.6M and an enterprise value of $44.5B.
Revenue in the twelve months to 30 June 2026: $600.0M. The latest quarter grew 4.2% year on year.
Net income over the same four quarters: −$49.0M, a −8.2% net margin.
Diluted earnings per share, trailing twelve months: $−0.50.
Free cash flow in the twelve months to 30 June 2026: $340.0M.
Navient Holdings, Inc. spent $78.0M on share buybacks and $61.0M on dividends in the twelve months to 30 June 2026.
Trailing P/E: 40.3×; forward P/E: 9.3× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 7.03%, paying out 200% of earnings.
Navient Holdings, Inc. employs 670 people — $896K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own Navient Holdings, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
Zacks Investment Research notes that Navient’s Q3 revenue and EPS reflect its performance for the quarter ended September 2026, and highlights comparing key metrics with Wall Street estimates and year-ago figures.
Why it matters — These comparisons provide context for assessing Navient’s quarterly results against expectations and the prior-year period.
Navient reported quarterly earnings of $0.03 per share, below the Zacks Consensus Estimate of $0.15. Earnings were $0.29 per share in the same period a year earlier.
Why it matters — The earnings miss and year-over-year decline are relevant to investors tracking Navient’s quarterly performance.
Navient announced that it posted its financial results for the third quarter of 2026 on Nov. 4, 2026.
Why it matters — The update marks the release of Navient’s latest quarterly financial results for investors following NAVI.
Navient’s restructuring raised S&P’s concerns about liquidity and funding, leading to a negative outlook while its credit ratings remained unchanged.
Why it matters — NAVI watchers may want to note the negative outlook and the liquidity and funding concerns associated with the restructuring.
Zacks Investment Research says Navient has the two key ingredients associated with a likely earnings beat in its upcoming report, and highlights key expectations.
Why it matters — NAVI watchers may find the preview relevant as they follow expectations for the company’s upcoming earnings report.
The 6 Wall Street analysts covering Navient Holdings, Inc. have a median 12-month price target of $8.75, with estimates ranging from $7 to $13. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 6 analysts covering Navient Holdings, Inc., 1 rate it a Buy, 3 a Hold and 2 a Sell. Ticker Nerd's systematic factor model ranks Navient Holdings, Inc. 70 out of 100 across roughly 4,600 US stocks as at 4 Nov 2026. None of this is personal advice — it does not consider your circumstances.
As at 4 Nov 2026, Navient Holdings, Inc. ranks 70 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Issuance (99 of 100).
No one can know that. What the data says: the median 12-month target from 6 analysts implies -3.5% from the last close, and Ticker Nerd's factor model ranks Navient Holdings, Inc. 70 out of 100 as at 4 Nov 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
No analyst covering Navient Holdings, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for NAVI are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $7 to $13 over the next 12 months.
Navient Holdings, Inc. returned -19.1% over the 12 months to 4 Nov 2026, with dividends reinvested. Past performance does not indicate future returns.
Navient Corporation is a financial services company focused on education finance and related loan administration. Navient provides technology-enabled solutions for managing private education loans, offering in-school lending, refinancing, and digital financial services through its consumer lending activities.
The most recent item we track (Zacks Investment Research, 5 Nov 2026): "Navient (NAVI) Reports Q3 Earnings: What Key Metrics Have to Say". Zacks Investment Research notes that Navient’s Q3 revenue and EPS reflect its performance for the quarter ended September 2026, and highlights comparing key metrics with Wall Street estimates and year-ago figures.
Navient Corporation is a financial services company focused on education finance and related loan administration. Navient provides technology-enabled solutions for managing private education loans, offering in-school lending, refinancing, and digital financial services through its consumer lending activities. The company also supports education-focused portfolio management and loan servicing functions, helping borrowers and institutions navigate complex repayment and account management processes. In addition to its education finance operations, Navient maintains business processing capabilities that serve clients in healthcare and government markets. Navient Corporation is designed around managing specialized, regulated financial workflows, making it an important participant in the U.S. education lending ecosystem and in outsourced processing services for public and private sector clients.
CEO Mr. Edward John Bramson · 670 employees · United States · https://www.navient.com
