Navient (NASDAQ:NAVI) Price Target Lowered to $9.00 at Deutsche Bank Aktiengesellschaft

Navient (NASDAQ:NAVI) had its price objective cut by Deutsche Bank Aktiengesellschaft from $15.00 to $9.00 in a report published on Thursday morning, Marketbeat Ratings reports. They currently have a hold rating on the credit services provider’s stock.

Several other analysts have also issued reports on the company. JPMorgan Chase & Co. cut their target price on Navient from $14.00 to $12.50 and set a “neutral” rating for the company in a research note on Thursday, October 30th. TD Cowen reaffirmed a “sell” rating on shares of Navient in a research note on Thursday, October 30th. Barclays set a $9.00 target price on shares of Navient in a research report on Thursday. Keefe, Bruyette & Woods cut their price target on shares of Navient from $15.00 to $14.50 and set a “market perform” rating for the company in a research report on Wednesday, October 1st. Finally, Wall Street Zen downgraded Navient from a “hold” rating to a “sell” rating in a report on Saturday, November 1st. Five investment analysts have rated the stock with a Hold rating and five have given a Sell rating to the stock. Based on data from MarketBeat.com, Navient presently has a consensus rating of “Reduce” and a consensus price target of $11.63.

Navient Stock Up 0.7%

Shares of NASDAQ:NAVI opened at $9.88 on Thursday. Navient has a 52-week low of $9.35 and a 52-week high of $16.07. The firm has a fifty day moving average of $12.51 and a 200 day moving average of $12.78. The firm has a market capitalization of $963.40 million, a PE ratio of -12.05 and a beta of 1.29. The company has a debt-to-equity ratio of 16.94, a quick ratio of 9.41 and a current ratio of 9.01.

Navient (NASDAQ:NAVI) last released its quarterly earnings results on Wednesday, January 28th. The credit services provider reported $0.02 earnings per share for the quarter, missing analysts’ consensus estimates of $0.31 by ($0.29). Navient had a negative net margin of 2.47% and a positive return on equity of 4.70%. The firm had revenue of $137.00 million for the quarter, compared to analysts’ expectations of $144.25 million. During the same quarter in the previous year, the business earned ($0.24) EPS. Navient has set its FY 2026 guidance at 0.650-0.800 EPS. As a group, research analysts anticipate that Navient will post 1.04 EPS for the current fiscal year.

Navient Dividend Announcement

The firm also recently declared a quarterly dividend, which was paid on Friday, December 19th. Investors of record on Friday, December 5th were issued a dividend of $0.16 per share. This represents a $0.64 dividend on an annualized basis and a yield of 6.5%. The ex-dividend date was Friday, December 5th. Navient’s payout ratio is currently -118.52%.

Institutional Investors Weigh In On Navient

A number of large investors have recently made changes to their positions in NAVI. Royal Bank of Canada raised its holdings in shares of Navient by 11.7% during the first quarter. Royal Bank of Canada now owns 98,366 shares of the credit services provider’s stock valued at $1,243,000 after acquiring an additional 10,296 shares in the last quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC increased its position in Navient by 9.1% during the 1st quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 210,350 shares of the credit services provider’s stock valued at $2,657,000 after purchasing an additional 17,483 shares during the period. State of Alaska Department of Revenue raised its holdings in Navient by 5.7% in the 2nd quarter. State of Alaska Department of Revenue now owns 43,414 shares of the credit services provider’s stock worth $611,000 after purchasing an additional 2,322 shares in the last quarter. Robeco Institutional Asset Management B.V. lifted its position in shares of Navient by 29.5% in the 2nd quarter. Robeco Institutional Asset Management B.V. now owns 29,478 shares of the credit services provider’s stock worth $416,000 after purchasing an additional 6,718 shares during the period. Finally, KLP Kapitalforvaltning AS boosted its stake in shares of Navient by 40.9% during the 2nd quarter. KLP Kapitalforvaltning AS now owns 45,800 shares of the credit services provider’s stock valued at $646,000 after purchasing an additional 13,300 shares in the last quarter. 97.14% of the stock is currently owned by institutional investors.

Key Stories Impacting Navient

Here are the key news stories impacting Navient this week:

• Positive Sentiment: Management laid out a growth plan and cost reductions, targeting ~60% loan-origination growth to about $4B in 2026 and a strategic realignment intended to improve future revenue mix and margins — a constructive long-term signal. Navient targets 60% loan origination growth
• Neutral Sentiment: Company released its Q4 results and held an earnings call; management emphasized shifting from legacy credit-servicing exposure toward originations-driven growth — useful context but not an immediate fix for near-term earnings weakness. Navient posts fourth-quarter 2025 financial results
• Neutral Sentiment: Earnings-call transcripts and presentation provide detail on the turnaround plan and legacy loan performance; these give investors more transparency but leave near-term earnings trajectory uncertain. Q4 2025 earnings call transcript
• Negative Sentiment: FY-2026 EPS guidance was set at $0.65–$0.80, well below street consensus (~$1.18), signaling materially lower near-term earnings expectations and pressuring the stock. Q4 2025 Earnings Call Highlights
• Negative Sentiment: Market reaction centered on weaker operating metrics: declines in net interest and other income, revenue misses and signs of legacy credit pressure — these contributed to a sharp post-release sell-off. Why Navient shares are plunging
• Negative Sentiment: Analyst and broker reactions have been unfavorable: Deutsche Bank cut its price target from $15 to $9 (hold), and the brokerage consensus averaged toward “Strong Sell,” amplifying downward pressure and likely limiting near-term buying interest. Deutsche Bank price target cut Brokerage ratings average
• Negative Sentiment: Shares recently hit a new 1-year low after the results and guidance, reflecting the market’s tightened view on near-term profitability and the time needed for the turnaround to materialize. Reached new 1-year low

About Navient

Navient Corporation (NASDAQ: NAVI) is a specialized provider of asset management and business processing solutions, with a primary focus on student loan servicing. Established in 2014 through the separation from Sallie Mae, Navient assumed responsibility for servicing federal and private education loans, positioning itself as one of the largest servicers of higher education debt in the United States.

The company’s core activities center on federal student loan servicing under contracts with the U.S.