Navient Holdings (NAVI) stock

Education loans , market cap $827M

Federal and private education loans

Worth $827M

$6.75

-13.97%

As of Tuesday's close · Live for Pro members at the open

Why is NAVI down?

Down 14.0% today, more than its financial peers' 0.8%; no story names it yet.

Fell 28% since Oct 30

Down 28% from Oct 30 to Nov 10.

Its Nov 4 results: total interest income was $669M, from $781M a year before; net interest income was $115M, from $142M. It fell 3% on Nov 5.

Sources: Price history, Nov 10, 2026; Company release, Nov 4, 2026; Company release (8-K), Nov 4, 2026; SEC filing, Nov 4, 2026

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1 more reason, free with an account →1 more reason why NAVI fell 28% since Oct 30, from its filings, with the other side, the timeline, and its peers, for Pro members.

Quality Score

-5

Poor

In its industry

#25of 25

Brokers & Dealers

Checks firing

1of 14

Trending down

From 52-week high

-50.0%

under its best in a year

NAVI's Quality Score was unchanged on Tue, Nov 10, at -5.

See NAVI's 14 chart checksSee it live, free until Thursday morning. No account. No card. Then keep going with a free account.

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Key facts on NAVI

Key facts on NAVI
Holding it back	Below a falling 200-day average down over one year, down over two years
Latest filing	8-K, Nov 4 Reported its quarterly results

1 more reason behind NAVI's -5, free with an account →1 more reason behind NAVI's -5, for Pro members.

NAVI in the news

TodayNo story names it yet.

NAVI catalysts

Coming up

After its last 4 reports it closed -5.5% on average, higher 1 of 4 times.

5 past catalysts since 2018, with sizes and sources, for Pro members.

Why NAVI scores -5

Poorfor quality, not price, 1 of 14 chart checks firingWhat the Quality Score means

−3Long-term trend below a falling 200-⁠day average, down over one year, down over two years
−2Volatility moves 9.2% a day with no profit or positive free cash flow over four quarters on fileA daily range of 5% or more with nothing behind it (no profit or cash flow, sales shrinking, or 10% more shares outstanding with no free cash flow): -1, or -2 from 8%.

Chart checks adds
Growth subtractsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.

No effect today: Run-up, Size, Profit, Dilution, Cash flow, Persistence, and News.

What every line is worth, and the reason behind it, on NAVI and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 10:45 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

How NAVI ranks in Brokers & Dealers

NAVI is #25 of 25 by Quality Score.

How NAVI ranks in Brokers & Dealers
Rank	Stock	Checks	Quality Score
1	BLKBlackrock	8/14	18
2	SEICSEI Investments	8/14	15
4	FRHCFreedom	1/14	9
	MKTXMarketAxess		Open for its score
	MSMorgan Stanley		Open for its score
	NMRNomura		Open for its score
	OPYOppenheimer		Open for its score
25	NAVINavient	1/14	-5

When does NAVI report earnings, and what happens after?

Expected to report Tue Feb 2, after the close (in 84 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What NAVI reported on Nov 4, 2026

The quarter

A profit of $0.16 a share.

“Earnings in the quarter were increased by $23 million ($0.18 per diluted share) as a result of a net fair value increase from applying the fair value option to In-School Loans originated in the quarter and were reduced by loan loss provisions on newly originated Refinance Loans and Personal Loans in the quarter of $16 million ($0.13 per diluted share).”

The quarter that ended Sep 30, from the company's press release

The press release The filing on EDGAR

Where the sales came from

NAVI's results filing gives no sales by line in a table we read.

The outlook

No outlook figures read from this release.

In the company's words

“Net interest income decreased $11 million, primarily due to the changing product mix with Refinance Education Loans increasing as a percentage of the portfolio.”

From its results filing (SEC filing · Nov 4)

The numbers

Market value: $827M; today

No analyst estimates on Breakaway: every figure here is filed.

The whole report on NAVI: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 4

-18.5%+3.7%-4.3%-2.8%

Jan 27Apr 28Aug 6Nov 4

Reported	When	Gap	Reaction	5 days
Nov 4, 2026After close	After close	-8.4%	-2.8%	not yet
Aug 6, 2026After close	After close	-7.4%	-4.3%	-2.6%
Apr 28, 2026After close	After close	+4.5%	+3.7%	-5.0%
Jan 27, 2026After close	After close	-2.0%	-18.5%	-16.9%

NAVI closed higher after 1 of its last 4 reports.

NAVI has 1 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on NAVI, and all 14 on every stock.Get in free →

NAVI RSI today: 30.4, below its 50-day and 200-day averages

Not scored

RSI 30.4, MACD below signal, below both averages. Not scored.13 readings

The deep dive on NAVI

What it does and how it makes money2 findingsFor Pro members2 findings on what NAVI does and how it makes money, for Pro members
Where it stands3 findings$701M in cash and short-term investments against $43.2B of debt on Sep 30, 2026.Balance sheet of Sep 30, 2026, filed Nov 4, 2026
Who holds and trades it2 findingsFor Pro members2 findings on who holds and trades NAVI, for Pro members

6 more findings on NAVI, each with its source, for Pro members.

NAVI insider trades

NAVI trades by Congress and the executive branch

2 trades disclosed in the last six months. The newest:

SellDonald Trump$15K to $50KPresident (R)traded Jul 8, disclosed Sep 22(76 days later)

SellDonald TrumpPresident (R)$15K to $50Ktraded Jul 8, disclosed Sep 22(76 days later)

All 2 trades on NAVI disclosed by Congress and the executive branch, for Pro members.Get in free →

See what Congress is buying across the market

NAVI's officers and directors

Officers and directors with a Form 4 in the last 12 months.

David L. YowanPresident & CEO · no trades on file
Stephen M. HauberEVP, CFO & PAO · no trades on file
Troy StandishEVP & Chief Operating Officer · no trades on file
Diane E. OffereinsDirector · no trades on file
Frederick ArnoldDirector · no trades on file
Michael A. LawsonDirector · no trades on file

See insider trades by person

Which ETFs hold NAVI?

In ETFs: NAVI is under 0.1% of VYM and under 0.1% of VTI, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jun 30 to Jul 31, 2026.

About Navient Holdings

Navient Holdings Inc provides technology-enabled education finance solutions that simplify complex programs and help millions of people achieve success. The company operates its business in two segments: Federal Education Loans, and Consumer Lending. A majority of its revenue is generated from the Federal Education Loans segment, in which the company owns and manages the Federal Family Education Loan Program (FFELP) loans, generating revenue mainly in the form of net interest income. The Consumer Lending segment owns and manages private education loans and is the master servicer for these portfolios. Through its Earnest brand, the company also refinances and originates in-school private educational loans.

670 employeesHerndon, VAnavient.com

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14 chart checks, read for you
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What would turn NAVI's score around: 6 things
5 more filings explained, a plain line each
Real-⁠time prices, no delay

BreakawaySep 22Donald Trump sold NAVI$15K to $50K, disclosed Sep 22

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See NAVI's 14 chart checks

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Straight AnswersStraight Answers

As of Nov 10, 2026: NAVI's Quality Score is -5 (Poor), #25 of 25 in Brokers & Dealers.

What does NAVI's Quality Score say?

NAVI scores -5 today, which Breakaway calls Poor. It is #25 of 25 in Security Brokers, Dealers & Flotation Companies by Quality Score, with 1 of 14 chart checks firing. Down 28% from Oct 30 to Nov 10. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is NAVI's Quality Score?

NAVI scores -5 today, which Breakaway calls Poor (below zero). That is #25 of 25 in Security Brokers, Dealers & Flotation Companies by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind NAVI's -5.

When does NAVI report earnings?

Expected to report Tue Feb 2, after the close, a date Breakaway expects from the company's usual timing; the company has not confirmed it. NAVI closed higher after 1 of its last 4 reports. Past behavior, not a forecast.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.