Navient (LTS:0K5R) Long-Term Debt: $40,123 Mil (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LTS:0K5R Navient Corp LTS:0K5R
49 GF Score
Price $9.96
GF Value $9.43
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Navient Long-Term Debt?

Navient LTS:0K5R +2.79% 49 Long-Term Debt is $40,123 Mil as of Jun. 2026. GuruFocus rates LTS:0K5R with a GF Score™ of 49/100 and a GF Value™ of $9.43 (Fairly Valued). The stock has 3 warning signs investors should review.

Navient's Long-Term Debt for the quarter that ended in Jun. 2026 was $40,123 Mil.

Navient's quarterly Long-Term Debt increased from Dec. 2025 ($36,969 Mil) to Mar. 2026 ($39,240 Mil) and increased from Mar. 2026 ($39,240 Mil) to Jun. 2026 ($40,123 Mil).

Navient's annual Long-Term Debt declined from Dec. 2023 ($48,902 Mil) to Dec. 2024 ($39,004 Mil) and declined from Dec. 2024 ($39,004 Mil) to Dec. 2025 ($36,969 Mil).

Navient  (LTS:0K5R) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Navient Long-Term Debt Related Terms

Navient Long-Term Debt Historical Data

* Premium members only.

The historical data trend for Navient's Long-Term Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Navient Long-Term Debt Chart

Navient Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 68,772.00 55,827.00 48,902.00 39,004.00 36,969.00

Navient Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 42,345.00 41,414.00 36,969.00 39,240.00 40,123.00
LTS:0K5R
49GF Score
Navient Corp LTS:0K5R
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $40,123 Mil mean?
Navient (LTS:0K5R) has a Long-Term Debt of $40,123 Mil as of Jun. 2026.
Is Navient's Long-Term Debt too high?
Navient's current Long-Term Debt is $40,123 Mil. Overall, Navient has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Navient's Long-Term Debt compare to WRLD and FINV?
Navient's Long-Term Debt of $40,123 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Credit Services company?
A good Long-Term Debt depends on the Credit Services industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Navient's current Long-Term Debt is $40,123 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Navient stock overvalued right now?
Based on GuruFocus' analysis, Navient (LTS:0K5R) is currently considered Fairly Valued. The stock's GF Value™ is $9.43, compared to a current price of $9.96 — trading 5.6% above its estimated fair value. The current Long-Term Debt is $40,123 Mil. Navient's overall GF Score™ is 49/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Navient (LTS:0K5R), the current Long-Term Debt is $40,123 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Navient (LTS:0K5R) Overvalued in 2026?

Based on GuruFocus' analysis, Navient stock appears to be overvalued. The current stock price of $9.96 is trading 5.6% above its estimated GF Value™ of $9.43. GuruFocus considers Navient to be Fairly Valued.

Key valuation signals for LTS:0K5R:

  • Long-Term Debt: $40,123 Mil
  • GF Value™: $9.43 vs. price of $9.96 (5.6% above fair value)
  • GF Score™: 49/100 with 3 warning signs

No single metric tells the full story. See the LTS:0K5R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Navient Business Description

Other Exchanges NAVI:USA10D:Germany
Address 13865 Sunrise Valley Drive, Herndon, VA, USA, 20171
Navient Corp 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.
49GF Score

Get the complete analysis for LTS:0K5R

Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.96
Price
$9.43
GF Value