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Navient Corporation (NAVI)

USD8.44 +0.01 (+0.06%)
US NASDAQ S&P 500 Financial Services Financial - Credit Services
Address 123 Justison Street 19801
Wilmington, DE, US
CEO David L. Yowan
IPO 2014-04-17
CIK 1593538 ISIN US63938C1080

Explore sections of this company profile

Also trades on London Stock Exchange · 0K5R.L (USD) NASDAQ Global Select · NAVI (USD)
Description

Navient Corporation specializes in managing education loans and delivering comprehensive business processing services. Its clientele spans the education, healthcare, and government sectors, serving federal, state, and local entities across the United States. The company's operations are divided into three primary segments: Federal Education Loans, Consumer Lending, and Business Processing. Within its Federal Education Loans segment, Navient holds Federal Family Education Loan Program (FFELP) loans, which are backed by state or non-profit agency guarantees. This division also handles the servicing and recovery of its own loan assets, alongside offering asset recovery solutions for FFELP loans held by other organizations. Its Consumer Lending activities involve the ownership, origination, acquisition, and ongoing servicing of private education loans, including both in-school financing and refinancing options. The Business Processing segment extends to various healthcare services, encompassing outsourced revenue cycle management, accounts receivable administration, supplementary business office support, consulting, and public health program management. Furthermore, it provides tailored business processing solutions to state governments, their agencies, judicial systems, local municipalities, and authorities overseeing parking and toll collection. These customizable offerings serve a diverse range of clients, such as hospitals, healthcare networks, medical centers, large physician practices, other healthcare providers, and public health departments. Navient also manages corporate liquidity portfolios. Established in 1973, Navient Corporation maintains its headquarters in Wilmington, Delaware.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Index membership

IndexAddedRemovedStatus
S&P 500 2014-05-01 Active
Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD8.44 +0.01 (+0.06%)
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Volume Profile
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Liquidity & share structure
Average Volume
1M
Beta
1.22
Float Shares
91.29M
Free Float %
97.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-2.58% -4.70% +4.79% -11.40% -31.91% -36.00% -40.01% -44.01% -49.58% -33.39% -51.03%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (24 ratings, all time) Hold
Price Targets & DCF
Current price
8.44
Low 8.00 -5.2%
Consensus 8.67 +2.8%
Median 9.00 +6.7%
High 9.00 +6.7%
Ratings Trend (MoM) 13% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 1 0
Hold 4 -1
Sell 1 0
Strong Sell 2 0
Price Target Summary
Period # Analysts Avg Target
Last Month 2
8.50
+0.8%
Last Quarter 2
8.50
+0.8%
Last Year 6
9.67
+14.6%
All Time 8
11.38
+34.9%
Quality scores
Altman Z-Score
0.21
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
3 / 10
No MOAT
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
5 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Credit Services: +13.2%
    -23.7% Q1'26: -16.1% (vs Q1'25)
  • EPS growth Financial - Credit Services: +24.0%
    -168.6% Q1'26: +967.3% (vs Q1'25)
  • FCF margin FCF growth · Financial - Credit Services: +70.9%
    +0.5% Q1'26: -6.8% (vs Q1'25)
  • EBIT margin Financial - Credit Services: +28.7%
    +76.5% Q1'26: +1.6% (vs Q1'25)
  • ROIC Financial - Credit Services: +5.0%
    +5.4% Q1'26: +0.1% (vs Q1'25)
  • Share dilution Financial - Credit Services: +0.0%
    -10.8% Q1'26: -5.9% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×
    18.47× Q1'26: 753.03× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.26) × ERP
WACC = 2% × Ke + 98% × Kd (5.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 8.44
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
4 Rev. Ana.
6 EPS Ana.
Dec 2027
4 Rev. Ana.
6 EPS Ana.
Dec 2028
2 Rev. Ana.
3 EPS Ana.
Revenue
5.18B
est: 2.73B (+89.4%)
4.96B
est: 2.30B (+115.8%)
5.18B
est: 2.17B (+138.7%)
5.59B
est: 2.01B (+178.1%)
5.48B
est: 2.00B (+173.9%)
3.73B
est: 1.91B (+95.3%)
3.53B
est: 1.92B (+83.3%)
3.84B
est: 1.50B (+156.3%)
4.84B
est: 1.03B (+368.6%)
4.23B
est: 936.20M (+352.3%)
3.23B
est: 667.20M (+384.0%)
596.09M
566.91M – 616.46M
-10.7% YoY
676.93M
574.68M – 746.46M
+13.6% YoY
921.82M
829.18M – 1.00B
+36.2% YoY
EBITDA
1.59B
est: 401.57M (+296.4%)
1.14B
est: 337.95M (+236.4%)
787.00M
est: 319.05M (+146.7%)
559.00M
est: 295.46M (+89.2%)
788.00M
est: 294.24M (+167.8%)
553.00M
est: 280.94M (+96.8%)
936.00M
est: 282.75M (+231.0%)
827.00M
est: 220.14M (+275.7%)
313.00M
est: 279.22M (+12.1%)
174.00M
est: 253.30M (-31.3%)
2.47B
est: 180.52M (+1,270.5%)
161.28M
153.38M – 166.79M
-10.7% YoY
183.15M
155.49M – 201.96M
+13.6% YoY
249.41M
224.34M – 271.69M
+36.2% YoY
EBIT
1.58B
est: 398.50M (+296.5%)
1.11B
est: 335.36M (+230.4%)
764.00M
est: 316.61M (+141.3%)
528.00M
est: 293.20M (+80.1%)
763.00M
est: 291.99M (+161.3%)
532.00M
est: 278.79M (+90.8%)
936.00M
est: 280.59M (+233.6%)
827.00M
est: 326.67M (+153.2%)
313.00M
est: 279.03M (+12.2%)
174.00M
est: 253.13M (-31.3%)
2.47B
est: 180.39M (+1,269.8%)
161.17M
153.28M – 166.67M
-10.7% YoY
183.02M
155.38M – 201.82M
+13.6% YoY
249.24M
224.19M – 271.51M
+36.2% YoY
Net Income
984.00M
est: 1.02B (-3.5%)
681.00M
est: 658.38M (+3.4%)
292.00M
est: 286.30M (+2.0%)
395.00M
est: 346.89M (+13.9%)
597.00M
est: 455.06M (+31.2%)
412.00M
est: 277.90M (+48.3%)
717.00M
est: 576.12M (+24.5%)
645.00M
est: 558.33M (+15.5%)
228.00M
est: 136.74M (+66.7%)
131.00M
est: 237.86M (-44.9%)
-80.00M
est: -6.17M (-1,196.8%)
70.50M
60.14M – 77.18M
+1,242.8% YoY
92.04M
81.24M – 102.84M
+30.5% YoY
116.33M
101.13M – 129.84M
+26.4% YoY
SGA
467.00M
est: 476.64M (-2.0%)
500.00M
est: 481.77M (+3.8%)
519.00M
est: 519.53M (-0.1%)
507.00M
est: 440.16M (+15.2%)
488.00M
est: 369.97M (+31.9%)
497.00M
est: 417.20M (+19.1%)
569.00M
est: 673.77M (-15.6%)
444.00M
est: 551.67M (-19.5%)
401.00M
est: 89.69M (+347.1%)
316.00M
est: 81.36M (+288.4%)
est: 57.98M (-100.0%)
51.80M
49.27M – 53.57M
-10.7% YoY
58.83M
49.94M – 64.87M
+13.6% YoY
80.11M
72.06M – 87.27M
+36.2% YoY
EPS
2.66
est: 1.83 (+45.3%)
2.15
est: 1.83 (+17.3%)
1.06
est: 1.75 (-39.4%)
1.52
est: 1.98 (-23.3%)
2.60
est: 2.50 (+3.9%)
2.13
est: 3.25 (-34.4%)
4.22
est: 4.47 (-5.6%)
4.54
est: 3.38 (+34.2%)
1.87
est: 1.39 (+34.4%)
1.20
est: 2.44 (-50.8%)
-0.81
est: -0.06 (-1,199.9%)
0.72
0.61 – 0.78
+1,253.6% YoY
0.95
0.82 – 1.04
+31.5% YoY
1.18
1.02 – 1.31
+24.3% YoY
Recent Grade Changes (3M)
Date Firm Previous New Grade Action
2026-04-30 TD Cowen Sell Sell Maintain
2026-04-16 Morgan Stanley Equal Weight Equal Weight Maintain
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-05-08 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-05-07 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-05-06 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-05-05 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-05-04 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-05-01 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-04-30 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-04-29 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-04-28 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-04-27 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-04-24 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-04-23 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-04-22 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-04-21 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-04-20 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-04-17 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-04-16 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5
2026-04-15 C+ 2/5 5/5 1/5 1/5 1/5 1/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
307.51M
OE per share TTM
3.39
Owner's Yield
38.91%
Maintenance CapEx ratio
14.46%
Maint CapEx / Avg PPE
1.8%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
55
Total invested
252.30M
Insider transactions (90d)
0
Beneficial owners (>5%)
20
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 Investment Strategies, LLC, "Goldman Sachs Asset Management") 32.74M 8.00% 13.00 IA Delaware 2015-02-13
2 EDWARD BRAMSON 29.45M 19.70% 29.45M IN 2022-04-18
3 NEWBURY INVESTORS LLC 29.45M 19.70% 29.45M OO 2022-04-18
4 Sherborne investors MANAGEMENT gp, llc 29.45M 19.70% 29.45M OO 2022-04-18
5 sherborne investors Gp, LLC 29.45M 19.70% 29.45M OO 2022-04-18
6 sherborne investors MANAGEMENT LP 29.45M 19.70% 29.45M PN 2022-04-18
7 sherborne investors lp 29.45M 19.70% 29.45M PN 2022-04-18
8 stephen welker 29.45M 19.70% 29.45M IN 2022-04-18
9 752403190 25.15M 9.75% 7.69M 17.46M 25.15M IA A Delaware limited liability company 2019-02-11
10 Boston Partners 23.15M 6.39% 18.72M 63.1K 23.15M IA Delaware 2016-02-12
11 Canyon Capital Advisors LLC 20.44M 7.80% 20.44M 20.44M 10.00 IA Delaware 2018-04-04
12 Joshua S. Friedman 20.44M 7.80% 20.44M 10.00 IN United States 2018-04-04
13 Mitchell R. Julis 20.44M 7.80% 20.44M 10.00 IN United States 2018-04-04
14 (1) BlackRock, Inc. 18.65M 11.60% 17.87M 18.65M HC Delaware 2022-01-27
15 STATE STREET CORPORATION 16.16M 5.33% 16.16M 16.16M HC BOSTON, MASSACHUSETTS 2017-02-08
16 The Vanguard Group - 23-1945930 16.02M 10.40% 143.5K 15.73M 281.9K IA Pennsylvania For 2022-02-10
17 (. 14.75M 6.67% 14.37M 14.75M IA Delaware Limited Partnership 2020-02-12
18 30-0447847 12.18M 7.60% 11.96M 12.18M IA Delaware Limited Partnership 2022-02-08
19 First Trust Portfolios L.P., First Trust Advisors L.P., The Charger Corporation 1.75M 19.65% 8.48M 5.00 BD, IA, HC United Kingdom 2021-09-03
20 2 10.00 0.00% FI United Kingdom 2022-04-04

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2026 Q1
Investors holding
55
-187 vs prev Q
New positions
9
Closed positions
190
Increased
21
Reduced
16
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 SHERBORNE INVESTORS MANAGEMENT LP 29.45M +— (+0.0%) 382.85M -4.4M (-1.1%) 29.75% +0.298 pp 100.00% +0.000 pp USD16.45 -21.0% 13 qtrs
2 BLACKROCK, INC. 12.26M +760.5K (+6.6%) 159.43M +8.2M (+5.4%) 12.39% +0.884 pp 0.00% +0.000 pp USD15.43 -15.7% 6 qtrs
3 VANGUARD GROUP INC 7.48M -73.0K (-1.0%) 97.28M -2.1M (-2.1%) 7.56% +0.003 pp 0.00% 0.000 pp USD16.42 -20.8% 47 qtrs
4 DIMENSIONAL FUND ADVISORS LP 7.34M -617.6K (-7.8%) 95.43M -9.2M (-8.8%) 7.42% -0.543 pp 0.02% -0.002 pp USD14.14 -8.1% 47 qtrs
5 STATE STREET CORP 3.51M -19.5K (-0.6%) 45.62M -782.6K (-1.7%) 3.55% +0.016 pp 0.00% 0.000 pp USD15.75 -17.5% 47 qtrs
6 CHARLES SCHWAB INVESTMENT MANAGEMENT INC 2.48M +418.2K (+20.2%) 32.30M +5.1M (+18.9%) 2.98% +0.915 pp 0.01% +0.001 pp USD13.65 -4.8% 47 qtrs
7 AMERICAN CENTURY COMPANIES INC 2.15M -12.2K (-0.6%) 27.92M -482.2K (-1.7%) 2.58% +0.417 pp 0.01% 0.000 pp USD14.82 -12.3% 29 qtrs
8 GEODE CAPITAL MANAGEMENT, LLC 1.67M -72.3K (-4.1%) 21.75M -1.2M (-5.2%) 1.69% -0.055 pp 0.00% 0.000 pp USD14.01 -7.2% 47 qtrs
9 LSV ASSET MANAGEMENT 1.56M -1.8M (-53.6%) 20.34M -24.0M (-54.2%) 1.58% -1.793 pp 0.04% -0.054 pp USD14.49 -10.3% 47 qtrs
10 GOLDMAN SACHS GROUP INC 1.54M +423.4K (+37.8%) 20.07M +5.3M (+36.2%) 1.56% +0.439 pp 0.00% +0.001 pp USD14.97 -13.2% 47 qtrs
11 WELLINGTON MANAGEMENT GROUP LLP 1.50M +36.5K (+2.5%) 19.49M +255.5K (+1.3%) 1.80% +0.336 pp 0.00% +0.000 pp USD14.44 -10.0% 41 qtrs
12 NORTHERN TRUST CORP 1.16M -68.2K (-5.6%) 15.05M -1.1M (-6.6%) 1.39% +0.163 pp 0.00% 0.000 pp USD12.97 +0.2% 47 qtrs
13 CITADEL ADVISORS LLC 1.11M +258.6K (+30.2%) 14.48M +3.2M (+28.8%) 1.12% +0.270 pp 0.00% +0.001 pp USD14.32 -9.2% 6 qtrs
14 HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC 988.5K +11.8K (+1.2%) 12.85M +7.3K (+0.1%) 1.00% +0.022 pp 0.04% -0.001 pp USD14.38 -9.6% 31 qtrs
15 MORGAN STANLEY 919.7K -13.8K (-1.5%) 11.96M -319.4K (-2.6%) 0.93% -0.005 pp 0.00% +0.000 pp USD15.93 -18.4% 47 qtrs
16 ALLIANZ ASSET MANAGEMENT GMBH 882.7K +186.0K (+26.7%) 11.48M +2.3M (+25.2%) 1.06% +0.363 pp 0.01% +0.001 pp USD13.93 -6.7% 46 qtrs
17 BRIDGEWAY CAPITAL MANAGEMENT, LLC 818.0K -56.9K (-6.5%) 10.63M -871.4K (-7.6%) 0.83% -0.049 pp 0.22% -0.023 pp USD11.67 +11.4% 21 qtrs
18 TWO SIGMA INVESTMENTS, LP 768.8K +513.6K (+201.3%) 9.99M +6.6M (+197.8%) 0.78% +0.521 pp 0.01% +0.009 pp USD13.18 -1.4% 13 qtrs
19 TUDOR INVESTMENT CORP ET AL 593.3K +2.7K (+0.5%) 7.71M -53.7K (-0.7%) 0.71% +0.121 pp 0.01% +0.001 pp USD13.40 -3.0% 6 qtrs
20 INVESCO LTD. 558.3K -70.3K (-11.2%) 7.26M -1.0M (-12.2%) 0.56% -0.065 pp 0.00% 0.000 pp USD15.92 -18.3% 47 qtrs
21 LIGHTHOUSE INVESTMENT PARTNERS, LLC 547.7K -1.0M (-65.6%) 7.12M -13.8M (-66.0%) 0.55% -1.037 pp 0.21% -0.420 pp USD13.17 -1.3% 5 qtrs
22 JANE STREET GROUP, LLC 533.8K +339.2K (+174.3%) 6.94M +4.4M (+171.2%) 0.54% +0.345 pp 0.00% +0.001 pp USD13.59 -4.3% 36 qtrs
23 VOLORIDGE INVESTMENT MANAGEMENT, LLC 513.4K +207.3K (+67.7%) 6.67M +2.6M (+65.8%) 0.52% +0.213 pp 0.02% +0.010 pp USD13.09 -0.7% 5 qtrs
24 EMPOWERED FUNDS, LLC 463.0K +18.1K (+4.1%) 6.02M +168.1K (+2.9%) 0.47% +0.023 pp 0.05% -0.011 pp USD17.21 -24.5% 11 qtrs
25 BANK OF NEW YORK MELLON CORP 442.6K -550.9K (-55.5%) 5.75M -7.3M (-56.0%) 0.53% -0.462 pp 0.00% -0.002 pp USD16.36 -20.5% 47 qtrs
26 MILLENNIUM MANAGEMENT LLC 440.9K -447.3K (-50.4%) 5.73M -5.9M (-50.9%) 0.45% -0.443 pp 0.00% -0.003 pp USD13.68 -5.0% 47 qtrs
27 POINT72 ASSET MANAGEMENT, L.P. 432.7K +432.7K (+100.0%) 5.63M +5.6M (+100.0%) 0.52% +0.519 pp 0.01% +0.006 pp USD13.00 +0.0% 1 qtrs NEW
28 TWO SIGMA ADVISERS, LP 413.1K +203.9K (+97.5%) 5.37M +2.6M (+95.2%) 0.42% +0.208 pp 0.01% +0.005 pp USD12.90 +0.8% 7 qtrs
29 SQUAREPOINT OPS LLC 398.2K +268.3K (+206.7%) 5.18M +3.5M (+203.2%) 0.48% +0.348 pp 0.01% +0.004 pp USD13.18 -1.4% 16 qtrs
30 JUPITER ASSET MANAGEMENT LTD 386.2K +— (+0.0%) 5.02M -57.9K (-1.1%) 0.46% +0.077 pp 0.04% -0.003 pp USD15.90 -18.2% 8 qtrs
31 MAN GROUP PLC 328.7K +27.6K (+9.1%) 4.27M +313.0K (+7.9%) 0.39% +0.093 pp 0.01% +0.000 pp USD15.78 -17.6% 32 qtrs
32 UBS GROUP AG 322.2K -129.7K (-28.7%) 4.19M -1.8M (-29.5%) 0.33% -0.127 pp 0.00% 0.000 pp USD13.85 -6.1% 45 qtrs
33 PRINCIPAL FINANCIAL GROUP INC 320.7K -10.6K (-3.2%) 4.17M -187.5K (-4.3%) 0.32% -0.007 pp 0.00% 0.000 pp USD14.64 -11.2% 47 qtrs
34 WINTON GROUP LTD 292.1K +197.4K (+208.4%) 3.80M +2.6M (+204.9%) 0.35% +0.256 pp 0.13% +0.085 pp USD13.45 -3.3% 6 qtrs
35 BRANDYWINE GLOBAL INVESTMENT MANAGEMENT, LLC 274.2K -10.6K (-3.7%) 3.56M -180.5K (-4.8%) 0.33% +0.044 pp 0.02% -0.002 pp USD15.69 -17.1% 20 qtrs
36 AMERIPRISE FINANCIAL INC 262.1K -63.7K (-19.6%) 3.41M -877.6K (-20.5%) 0.31% -0.011 pp 0.00% 0.000 pp USD15.00 -13.3% 47 qtrs
37 FIRST TRUST ADVISORS LP 249.7K +43.7K (+21.2%) 3.25M +537.4K (+19.8%) 0.30% +0.094 pp 0.00% +0.000 pp USD13.44 -3.3% 47 qtrs
38 PUBLIC SECTOR PENSION INVESTMENT BOARD 232.8K -34.8K (-13.0%) 3.03M -492.1K (-14.0%) 0.28% +0.012 pp 0.01% -0.003 pp USD15.83 -17.9% 11 qtrs
39 BW GESTAO DE INVESTIMENTOS LTDA. 230.0K +230.0K (+100.0%) 2.99M +3.0M (+100.0%) 0.28% +0.276 pp 0.07% +0.068 pp USD13.00 +0.0% 1 qtrs NEW
40 JPMORGAN CHASE & CO 223.0K -526.9K (-70.3%) 2.90M -7.0M (-70.6%) 0.23% -0.525 pp 0.00% 0.000 pp USD12.92 +0.6% 47 qtrs
41 RHUMBLINE ADVISERS 215.9K -13.9K (-6.1%) 2.81M -215.6K (-7.1%) 0.22% -0.012 pp 0.00% 0.000 pp USD13.71 -5.2% 47 qtrs
42 RENAISSANCE TECHNOLOGIES LLC 214.9K +141.1K (+191.2%) 2.79M +1.8M (+187.9%) 0.22% +0.143 pp 0.00% +0.003 pp USD13.38 -2.8% 3 qtrs
43 AQR CAPITAL MANAGEMENT LLC 214.6K +94.9K (+79.2%) 2.79M +1.2M (+76.9%) 0.26% +0.138 pp 0.00% +0.001 pp USD13.41 -3.1% 47 qtrs
44 UNIVERSAL- BETEILIGUNGS- UND SERVICEGESELLSCHAFT MBH 213.1K -1.7K (-0.8%) 2.77M -54.6K (-1.9%) 0.22% +0.001 pp 0.00% 0.000 pp USD13.32 -2.4% 5 qtrs
45 D. E. SHAW & CO., INC. 206.6K +6.9K (+3.4%) 2.69M +59.2K (+2.3%) 0.25% +0.048 pp 0.00% +0.000 pp USD14.63 -11.1% 47 qtrs
46 NUVEEN, LLC 189.1K -6.2K (-3.2%) 2.46M -110.5K (-4.3%) 0.19% -0.004 pp 0.00% +0.000 pp USD12.63 +2.9% 4 qtrs
47 EXODUSPOINT CAPITAL MANAGEMENT, LP 186.0K +186.0K (+100.0%) 2.42M +2.4M (+100.0%) 0.19% +0.188 pp 0.02% +0.019 pp USD13.00 +0.0% 1 qtrs NEW
48 MITSUBISHI UFJ TRUST & BANKING CORP 181.3K +31.5K (+21.0%) 2.36M +387.1K (+19.7%) 0.18% +0.033 pp 0.01% +0.001 pp USD13.44 -3.3% 47 qtrs
49 STATE OF WISCONSIN INVESTMENT BOARD 171.3K +137.6K (+408.5%) 2.23M +1.8M (+402.7%) 0.21% +0.172 pp 0.01% +0.004 pp USD13.36 -2.7% 18 qtrs
50 LEGAL & GENERAL GROUP PLC 171.1K -35.2K (-17.1%) 2.22M -488.7K (-18.0%) 0.21% -0.001 pp 0.00% 0.000 pp USD16.48 -21.1% 47 qtrs
51 CAXTON ASSOCIATES LLP 160.8K -5.7K (-3.4%) 2.09M -98.6K (-4.5%) 0.19% +0.027 pp 0.04% -0.011 pp USD12.72 +2.2% 4 qtrs
52 BANK OF AMERICA CORP /DE/ 158.4K -337.3K (-68.0%) 2.06M -4.5M (-68.4%) 0.16% -0.336 pp 0.00% 0.000 pp USD14.54 -10.6% 47 qtrs
53 ARBITER PARTNERS CAPITAL MANAGEMENT LLC 155.1K +49.4K (+46.7%) 2.02M +625.7K (+45.0%) 0.16% +0.051 pp 0.98% +0.152 pp USD13.10 -0.8% 2 qtrs
54 GABELLI FUNDS LLC 150.0K +— (+0.0%) 1.95M -22.5K (-1.1%) 0.15% +0.002 pp 0.01% 0.000 pp USD17.71 -26.6% 47 qtrs
55 EDGESTREAM PARTNERS, L.P. 149.6K +105.3K (+237.7%) 1.94M +1.4M (+233.8%) 0.18% +0.135 pp 0.05% +0.038 pp USD13.33 -2.5% 14 qtrs
56 NATIXIS 148.8K +148.8K (+100.0%) 1.93M +1.9M (+100.0%) 0.18% +0.179 pp 0.01% +0.007 pp USD13.00 +0.0% 4 qtrs
57 ALLIANCEBERNSTEIN L.P. 148.4K +21.2K (+16.7%) 1.93M +256.3K (+15.3%) 0.15% +0.023 pp 0.00% +0.000 pp USD10.65 +22.1% 47 qtrs
58 UBS ASSET MANAGEMENT AMERICAS INC 143.3K -5.5K (-3.7%) 1.86M -93.6K (-4.8%) 0.14% -0.004 pp 0.00% +0.000 pp USD14.34 -9.3% 47 qtrs
59 SWISS NATIONAL BANK 136.7K +— (+0.0%) 1.78M -20.5K (-1.1%) 0.16% +0.027 pp 0.00% +0.000 pp USD12.69 +2.4% 33 qtrs
60 TREXQUANT INVESTMENT LP 129.0K +129.0K (+100.0%) 1.68M +1.7M (+100.0%) 0.13% +0.130 pp 0.01% +0.015 pp USD13.00 +0.0% 6 qtrs
61 BARCLAYS PLC 108.4K -175.8K (-61.9%) 1.41M -3.0M (-68.2%) 0.11% -0.175 pp 0.00% -0.001 pp USD14.45 -10.0% 47 qtrs
62 SEI INVESTMENTS CO 106.2K +171.0 (+0.2%) 1.38M -13.7K (-1.0%) 0.13% +0.021 pp 0.00% 0.000 pp USD15.01 -13.4% 45 qtrs
63 QUEST PARTNERS LLC 104.7K +61.1K (+140.2%) 1.36M +787.6K (+137.5%) 0.13% +0.082 pp 0.08% +0.039 pp USD13.43 -3.2% 9 qtrs
64 WELLS FARGO & COMPANY/MN 103.4K +23.2K (+28.9%) 1.34M +289.2K (+27.4%) 0.10% +0.024 pp 0.00% +0.000 pp USD14.58 -10.8% 47 qtrs
65 SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC 103.2K -33.2K (-24.4%) 1.34M -452.6K (-25.2%) 0.10% -0.032 pp 0.05% -0.024 pp USD12.63 +2.9% 4 qtrs
66 PRICE T ROWE ASSOCIATES INC /MD/ 97.1K +6.3K (+6.9%) 1.26M +68.0K (+5.7%) 0.10% +0.007 pp 0.00% +0.000 pp USD14.32 -9.2% 47 qtrs
67 NISA INVESTMENT ADVISORS, LLC 95.6K -21.0K (-18.0%) 1.24M -290.0K (-18.9%) 0.10% -0.020 pp 0.00% -0.002 pp USD13.20 -1.5% 47 qtrs
68 GATOR CAPITAL MANAGEMENT, LLC 87.2K +47.5K (+119.5%) 1.13M +611.2K (+117.0%) 0.09% +0.048 pp 0.23% +0.097 pp USD15.03 -13.5% 17 qtrs
69 NEW YORK STATE TEACHERS RETIREMENT SYSTEM 83.7K -8.8K (-9.5%) 1.09M -129.0K (-10.6%) 0.08% -0.008 pp 0.00% 0.000 pp USD17.44 -25.5% 47 qtrs
70 NORTH STAR ASSET MANAGEMENT INC 82.2K -8.6K (-9.5%) 1.07M -125.6K (-10.5%) 0.08% -0.008 pp 0.04% -0.005 pp USD21.17 -38.6% 47 qtrs
71 JUMP FINANCIAL, LLC 68.9K +56.1K (+440.3%) 895.7K +728.0K (+434.1%) 0.08% +0.070 pp 0.01% +0.009 pp USD13.03 -0.2% 2 qtrs
72 DEUTSCHE BANK AG\ 66.3K +2.4K (+3.7%) 861.3K +21.5K (+2.6%) 0.07% +0.003 pp 0.00% +0.000 pp USD14.62 -11.1% 47 qtrs
73 QUANTBOT TECHNOLOGIES LP 65.5K +65.5K (+100.0%) 850.9K +850.9K (+100.0%) 0.07% +0.066 pp 0.03% +0.028 pp USD13.00 +0.0% 1 qtrs NEW
74 PRUDENTIAL FINANCIAL INC 65.3K -5.3K (-7.5%) 848.7K -78.9K (-8.5%) 0.07% -0.005 pp 0.00% 0.000 pp USD15.17 -14.3% 47 qtrs
75 HIGHBRIDGE CAPITAL MANAGEMENT LLC 65.0K +65.0K (+100.0%) 845.0K +845.0K (+100.0%) 0.08% +0.078 pp 0.03% +0.027 pp USD13.00 +0.0% 1 qtrs NEW
76 VOYA INVESTMENT MANAGEMENT LLC 64.5K -11.6K (-15.2%) 838.7K -161.9K (-16.2%) 0.08% +0.001 pp 0.00% 0.000 pp USD13.69 -5.0% 47 qtrs
77 WEDGE CAPITAL MANAGEMENT L L P/NC 62.7K +833.0 (+1.3%) 814.6K +1.6K (+0.2%) 0.06% +0.002 pp 0.01% +0.001 pp USD15.87 -18.1% 8 qtrs
78 CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM 61.8K -4.9K (-7.4%) 803.6K -74.2K (-8.5%) 0.07% +0.007 pp 0.00% 0.000 pp USD16.52 -21.3% 47 qtrs
79 GREAT WEST LIFE ASSURANCE CO /CAN/ 57.0K -55.2K (-49.2%) 741.0K -731.0K (-49.7%) 0.07% -0.044 pp 0.00% -0.001 pp USD11.89 +9.3% 47 qtrs
80 FMR LLC 56.9K -2.2K (-3.8%) 739.5K -38.0K (-4.9%) 0.07% +0.009 pp 0.00% +0.000 pp USD14.66 -11.3% 47 qtrs
81 QUANTINNO CAPITAL MANAGEMENT LP 56.7K +9.5K (+20.1%) 736.6K +116.4K (+18.8%) 0.07% +0.021 pp 0.00% 0.000 pp USD13.66 -4.8% 14 qtrs
82 SG AMERICAS SECURITIES, LLC 55.3K +28.4K (+105.8%) 719.0K +366.0K (+103.7%) 0.06% +0.029 pp 0.00% 0.000 pp USD13.71 -5.2% 47 qtrs
83 BREVAN HOWARD CAPITAL MANAGEMENT LP 52.4K +12.3K (+30.6%) 681.4K +153.5K (+29.1%) 0.05% +0.013 pp 0.01% +0.005 pp USD13.11 -0.8% 8 qtrs
84 CREATIVE PLANNING 51.5K +9.4K (+22.3%) 669.5K +115.6K (+20.9%) 0.06% +0.020 pp 0.00% +0.000 pp USD14.46 -10.1% 13 qtrs
85 HSBC HOLDINGS PLC 50.6K -72.6K (-58.9%) 654.0K -965.0K (-59.6%) 0.05% -0.072 pp 0.00% -0.001 pp USD15.31 -15.1% 47 qtrs
86 ARGA INVESTMENT MANAGEMENT, LP 49.0K +— (+0.0%) 636.6K -7.3K (-1.1%) 0.05% +0.001 pp 0.02% +0.000 pp USD15.30 -15.0% 9 qtrs
87 THRIVENT FINANCIAL FOR LUTHERANS 46.2K -3.3K (-6.6%) 601.0K -50.0K (-7.7%) 0.05% -0.003 pp 0.00% 0.000 pp USD16.61 -21.7% 47 qtrs
88 KLP KAPITALFORVALTNING AS 45.8K +— (+0.0%) 595.4K -6.9K (-1.1%) 0.05% +0.001 pp 0.00% 0.000 pp USD13.53 -3.9% 5 qtrs
89 ENGINEERS GATE MANAGER LP 45.4K -129.9K (-74.1%) 590.4K -1.7M (-74.4%) 0.05% -0.121 pp 0.01% -0.019 pp USD14.34 -9.3% 9 qtrs
90 VIRGINIA RETIREMENT SYSTEMS ET AL 44.5K +44.5K (+100.0%) 577.9K +577.9K (+100.0%) 0.04% +0.045 pp 0.00% +0.003 pp USD13.00 +0.0% 1 qtrs NEW
91 US BANCORP \DE\ 42.7K +33.7K (+376.0%) 554.6K +436.8K (+370.5%) 0.04% +0.034 pp 0.00% +0.001 pp USD13.72 -5.2% 47 qtrs
92 FOX RUN MANAGEMENT, L.L.C. 38.8K +27.2K (+236.2%) 504.1K +352.4K (+232.4%) 0.05% +0.035 pp 0.08% +0.054 pp USD13.04 -0.3% 2 qtrs
93 INTECH INVESTMENT MANAGEMENT LLC 37.6K -4.3K (-10.2%) 489.1K -62.0K (-11.3%) 0.05% +0.003 pp 0.00% -0.001 pp USD14.50 -10.3% 6 qtrs
94 ILLINOIS MUNICIPAL RETIREMENT FUND 37.3K -3.7K (-9.1%) 484.8K -54.7K (-10.1%) 0.04% +0.004 pp 0.01% -0.001 pp USD18.27 -28.8% 11 qtrs
95 STIFEL FINANCIAL CORP 37.2K -4.7K (-11.3%) 483.2K -67.6K (-12.3%) 0.04% +0.003 pp 0.00% 0.000 pp USD15.08 -13.8% 37 qtrs
96 GSA CAPITAL PARTNERS LLP 36.3K +36.3K (+100.0%) 472.0K +472.0K (+100.0%) 0.04% +0.044 pp 0.04% +0.041 pp USD13.00 +0.0% 1 qtrs NEW
97 QUINN OPPORTUNITY PARTNERS LLC 35.3K +— (+0.0%) 458.6K -5.3K (-1.1%) 0.04% +0.007 pp 0.02% -0.014 pp USD11.66 +11.5% 21 qtrs
98 JANUS HENDERSON GROUP PLC 35.2K +12.6K (+55.8%) 457.2K +160.2K (+53.9%) 0.04% +0.020 pp 0.00% +0.000 pp USD13.63 -4.6% 18 qtrs
Ownership breakdown by holder

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.25
Bearish
Ratio by volume
3.00
Bullish
Buys
2
Sells
8
Shares acquired
125.3K
Shares disposed
23.5K
Cash buys
Cash sales
Net activity
+101,796
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2026-03-04 STANDISH TROY Officer A-Award A Common Stock 51,843 8.68 450.0K 250,658 D
2026-03-04 HAUBER STEPHEN M Officer A-Award A Common Stock 73,444 8.68 637.5K 350,947 D
2026-03-02 STANDISH TROY Officer F-InKind D Common Stock 1,783 8.62 15.4K 198,815 D
2026-03-02 HAUBER STEPHEN M Officer F-InKind D Common Stock 4,838 8.62 41.7K 277,503 D
2026-02-09 STANDISH TROY Officer F-InKind D Common Stock 1,810 10.03 18.2K 203,456 D
2026-02-09 HAUBER STEPHEN M Officer F-InKind D Common Stock 2,979 10.03 29.9K 289,964 D
2026-02-07 STANDISH TROY Officer F-InKind D Common Stock 3,059 10.05 30.7K 205,266 D
2026-02-07 HAUBER STEPHEN M Officer F-InKind D Common Stock 5,167 10.05 51.9K 292,943 D
2026-02-06 STANDISH TROY Officer F-InKind D Common Stock 893 10.05 9.0K 208,325 D
2026-02-06 HAUBER STEPHEN M Officer F-InKind D Common Stock 2,962 10.05 29.8K 298,110 D
2025-12-31 YOWAN DAVID L. Director / Officer F-InKind D Common Stock 24,075 13.00 313.0K 546,402 D
2025-11-28 STANDISH TROY Officer F-InKind D Common Stock 769 12.40 9.5K 208,179 D
2025-07-07 YOWAN DAVID L. Director / Officer A-Award A Restricted Stock Units 102,761 0.00 102,761 D
2025-07-03 YOWAN DAVID L. Director / Officer F-InKind D Common Stock 23,501 14.82 348.3K 560,568 D
2025-05-23 STANDISH TROY Officer F-InKind D Common Stock 1,057 13.25 14.0K 206,936 D
2025-05-23 HAUBER STEPHEN M Officer F-InKind D Common Stock 789 13.25 10.5K 295,709 D
2025-05-12 CABRAL ANNA ESCOBEDO Director J-Other A Phantom Stock Units 11,231 0.00 63,452 D
2025-03-03 STANDISH TROY Officer F-InKind D Common Stock 2,258 13.91 31.4K 206,969 D
2025-03-03 HAUBER STEPHEN M Officer F-InKind D Common Stock 4,978 13.91 69.2K 294,886 D
2025-03-03 GREEN DAVID S Officer F-InKind D Common Stock 1,146 13.91 15.9K 152,321 D
2025-03-03 Fisher Joe Officer F-InKind D Common Stock 7,096 13.91 98.7K 319,277 D
2025-02-28 GREEN DAVID S Officer Common Stock 0 0.00 153,467 D
2025-02-09 STANDISH TROY Officer F-InKind D Common Stock 1,713 13.58 23.3K 215,334 D
2025-02-09 HAUBER STEPHEN M Officer F-InKind D Common Stock 2,840 13.58 38.6K 313,114 D
2025-02-09 Fisher Joe Officer F-InKind D Common Stock 5,917 13.58 80.4K 345,260 D
2025-02-07 THOMPSON JANE J. Director A-Award A Phantom Stock Units 10,309 0.00 125,251 D
2025-02-07 STANDISH TROY Officer A-Award A Common Stock 22,091 13.58 300.0K 193,899 D
2025-02-07 MILLS LINDA A Director A-Award A Common Stock 17,673 13.58 240.0K 177,092 D
2025-02-07 Lawson Michael A Director A-Award A Common Stock 10,309 13.58 140.0K 37,724 D
2025-02-07 KLANE LARRY A Director A-Award A Phantom Stock Units 10,309 0.00 60,212 D
2025-02-07 HAUBER STEPHEN M Officer A-Award A Common Stock 31,296 13.58 425.0K 283,161 D
2025-02-07 Fisher Joe Officer A-Award A Common Stock 48,225 12.96 625.0K 351,177 D
2025-02-07 CABRAL ANNA ESCOBEDO Director A-Award A Common Stock 10,309 13.58 140.0K 71,318 D
2025-02-07 ARNOLD FREDERICK Director A-Award A Common Stock 10,309 13.58 140.0K 80,681 D
2025-02-06 STANDISH TROY Officer F-InKind D Common Stock 845 13.79 11.6K 171,808 D
2025-02-06 HAUBER STEPHEN M Officer F-InKind D Common Stock 2,613 13.79 36.0K 251,865 D
2025-02-06 Fisher Joe Officer F-InKind D Common Stock 5,251 13.79 72.4K 256,929 D
2025-02-04 STANDISH TROY Officer F-InKind D Common Stock 1,351 13.79 18.6K 172,653 D
2025-02-04 HAUBER STEPHEN M Officer F-InKind D Common Stock 3,674 13.79 50.7K 254,478 D
2025-02-04 Fisher Joe Officer F-InKind D Common Stock 5,128 13.79 70.7K 262,180 D
2025-01-01 CABRAL ANNA ESCOBEDO Director M-Exempt A Common Stock 11,691 13.29 155.4K 61,009 D
2024-12-31 YOWAN DAVID L. Director / Officer F-InKind D Common Stock 23,757 13.29 315.7K 573,195 D
2024-12-16 STANDISH TROY Officer F-InKind D Common Stock 911 14.76 13.4K 173,250 D
2024-11-06 HAUBER STEPHEN M Officer S-Sale D Common Stock 10,000 15.00 150.0K 256,883 D
2024-10-31 Sherborne Strategic Fund F, LLC 10% Owner Common Stock 0 0.00 29,449,997 I
2024-10-31 Newbury Investors LLC 10% Owner J-Other D Common Stock 29,449,997 0.00 0 I
2024-10-11 STANDISH TROY Officer Common Stock 0 0.00 174,161 D
2024-07-03 YOWAN DAVID L. Director / Officer A-Award A Common Stock 110,957 14.42 1.60M 586,216
2024-05-23 HAUBER STEPHEN M Officer A-Award A Common Stock 6,527 14.94 97.5K 264,536
2024-05-15 YOWAN DAVID L. Director / Officer F-InKind D Common Stock 22,822 15.60 356.0K 306,453
2024-05-03 HELEEN MARK L Officer S-Sale D Common Stock 10,000 16.00 160.0K 393,611
2024-02-28 KANE JOHN M Officer F-InKind D Common Stock 9,479 15.75 149.3K 513,558
2024-02-28 HELEEN MARK L Officer F-InKind D Common Stock 7,414 15.75 116.8K 403,611
2024-02-28 HAUBER STEPHEN M Officer F-InKind D Common Stock 4,936 15.75 77.7K 252,042
2024-02-28 Fisher Joe Officer F-InKind D Common Stock 4,943 15.75 77.9K 259,448
2024-02-26 Sherborne Investors Master GP, LLC 10% Owner I Common stock, par value $.01 per share (the "Common Stock") 0 0.00 29,449,997
2024-02-09 UNGER LAURA S Director A-Award A Common Stock 8,647 16.19 140.0K 60,853
2024-02-09 THOMPSON JANE J. Director A-Award A Phantom Stock Units 8,647 0.00 110,243
2024-02-09 MILLS LINDA A Director A-Award A Common Stock 14,823 16.19 240.0K 152,916
2024-02-09 Lawson Michael A Director A-Award A Common Stock 8,647 16.19 140.0K 27,282
2024-02-09 KLANE LARRY A Director A-Award A Phantom Stock Units 8,647 0.00 47,863
2024-02-09 KANE JOHN M Officer A-Award A Common Stock 33,971 0.00 509,827
2024-02-09 HELEEN MARK L Officer A-Award A Common Stock 26,250 0.00 400,242
2024-02-09 HAUBER STEPHEN M Officer A-Award A Common Stock 18,529 0.00 248,619
2024-02-09 Fisher Joe Officer A-Award A Common Stock 38,604 0.00 233,242
2024-02-09 CABRAL ANNA ESCOBEDO Director A-Award A Phantom Stock Units 8,647 0.00 60,705
2024-02-09 ARNOLD FREDERICK Director A-Award A Common Stock 8,647 16.19 140.0K 70,239
2024-02-06 KANE JOHN M Officer F-InKind D Common Stock 4,282 15.96 68.3K 475,856
2024-02-06 HELEEN MARK L Officer F-InKind D Common Stock 3,110 15.96 49.6K 373,992
2024-02-06 HAUBER STEPHEN M Officer F-InKind D Common Stock 2,417 15.96 38.6K 230,090
2024-02-06 Fisher Joe Officer F-InKind D Common Stock 5,036 15.96 80.4K 194,638
2024-02-04 KANE JOHN M Officer F-InKind D Common Stock 5,337 16.18 86.4K 480,138
2024-02-04 HELEEN MARK L Officer F-InKind D Common Stock 3,924 16.18 63.5K 377,102
2024-02-04 HAUBER STEPHEN M Officer F-InKind D Common Stock 3,175 16.18 51.4K 232,507
2024-02-04 Fisher Joe Officer F-InKind D Common Stock 4,492 16.18 72.7K 199,674
2024-01-31 HELEEN MARK L Officer S-Sale D Common Stock 10,000 17.20 172.0K 385,577
2023-12-15 HELEEN MARK L Officer F-InKind D Common Stock 950 19.21 18.2K 395,577
2023-12-14 KANE JOHN M Officer S-Sale D Common Stock 150,132 19.02 2.86M 490,778
2023-11-07 HELEEN MARK L Officer S-Sale D Common Stock 10,000 16.99 169.9K 395,330
2023-11-01 YOWAN DAVID L. Director / Officer F-InKind D Common Stock 514 15.91 8.2K 324,409
2023-10-07 Fisher Joe Officer F-InKind D Common Stock 2,827 17.42 49.2K 206,635
2023-08-01 YOWAN DAVID L. Director / Officer F-InKind D Common Stock 509 18.87 9.6K 322,517
2023-07-31 HELEEN MARK L Officer S-Sale D Common Stock 20,000 19.01 380.1K 404,056
2023-05-15 YOWAN DAVID L. Director / Officer A-Award A Common Stock 158,835 15.11 2.40M 320,692
2023-02-28 REMONDI JOHN F Director / Officer F-InKind D Common Stock 130,849 18.05 2.36M 3,439,488
2023-02-28 KANE JOHN M Officer F-InKind D Common Stock 22,573 18.05 407.4K 635,219
2023-02-28 HELEEN MARK L Officer F-InKind D Common Stock 16,177 18.05 292.0K 421,352
2023-02-28 HAUBER STEPHEN M Officer F-InKind D Common Stock 10,785 18.05 194.7K 235,302
2023-02-06 YOWAN DAVID L. Director A-Award A Common Stock 7,399 18.92 140.0K 55,908
2023-02-06 UNGER LAURA S Director A-Award A Phantom Stock Units 7,400 0.00 39,932
2023-02-06 THOMPSON JANE J. Director A-Award A Phantom Stock Units 7,400 0.00 97,967
2023-02-06 REMONDI JOHN F Director / Officer A-Award A Common Stock 105,708 0.00 3,391,951
2023-02-06 MILLS LINDA A Director A-Award A Common Stock 12,684 18.92 240.0K 133,176
2023-02-06 Lawson Michael A Director A-Award A Common Stock 7,399 18.92 140.0K 18,527
2023-02-06 KLANE LARRY A Director A-Award A Phantom Stock Units 7,400 0.00 37,815
2023-02-06 KANE JOHN M Officer A-Award A Common Stock 29,069 0.00 627,772
2023-02-06 HELEEN MARK L Officer F-InKind D Common Stock 3,085 18.92 58.4K 432,851
2023-02-06 HAUBER STEPHEN M Officer A-Award A Common Stock 15,856 0.00 228,664
2023-02-06 Fisher Joe Officer F-InKind D Common Stock 752 18.92 14.2K 204,572
2023-02-06 CABRAL ANNA ESCOBEDO Director A-Award A Phantom Stock Units 7,400 0.00 50,198
2023-02-06 ARNOLD FREDERICK Director A-Award A Common Stock 7,399 18.92 140.0K 61,484
2023-02-04 REMONDI JOHN F Director / Officer F-InKind D Common Stock 17,782 18.92 336.4K 3,286,243
2023-02-04 KANE JOHN M Officer F-InKind D Common Stock 3,889 18.92 73.6K 598,703
2023-02-04 HELEEN MARK L Officer F-InKind D Common Stock 2,515 18.92 47.6K 390,250
2023-02-04 HAUBER STEPHEN M Officer F-InKind D Common Stock 2,203 18.92 41.7K 214,878
2023-02-04 Fisher Joe Officer F-InKind D Common Stock 2,565 18.92 48.5K 141,074
2023-01-31 REMONDI JOHN F Director / Officer F-InKind D Common Stock 388,393 18.64 7.24M 3,328,277
2023-01-31 HELEEN MARK L Officer M-Exempt D Stock Option (Right to Buy) 86,872 13.63 1.18M 0
2023-01-27 HAUBER STEPHEN M Officer M-Exempt A Common Stock 57,915 13.63 789.4K 274,996
2023-01-03 KANE JOHN M Officer M-Exempt D Stock Option (Right to Buy) 150,579 0.00 0
2022-12-21 REMONDI JOHN F Director / Officer G-Gift D Common Stock 60,000 0.00 3,253,350
2022-12-05 REMONDI JOHN F Officer F-InKind D Common Stock 5,282 16.73 88.4K 3,303,643
2022-12-05 HELEEN MARK L Officer F-InKind D Common Stock 1,175 16.73 19.7K 377,821
2022-10-07 Fisher Joe Officer F-InKind D Common Stock 1,818 14.96 27.2K 142,609
2022-03-31 Welker Stephen Director P-Purchase A Common Stock 315,408 17.13 5.40M 29,123,997
2022-03-31 Newbury Investors LLC 10% Owner I Common Stock 0 0.00 28,808,589
2022-03-01 REMONDI JOHN F Director / Officer F-InKind D Common Stock 170,955 17.06 2.92M 3,276,428
2022-03-01 KANE JOHN M Officer F-InKind D Common Stock 26,853 17.06 458.1K 598,817
2022-03-01 HELEEN MARK L Officer F-InKind D Common Stock 21,581 17.06 368.2K 374,073
2022-03-01 HAUBER STEPHEN M Officer F-InKind D Common Stock 13,847 17.06 236.2K 212,621
2022-02-06 REMONDI JOHN F Director / Officer F-InKind D Common Stock 22,438 17.82 399.8K 3,388,558
2022-02-06 KANE JOHN M Officer F-InKind D Common Stock 6,283 17.82 112.0K 615,867
2022-02-06 HELEEN MARK L Officer F-InKind D Common Stock 2,818 17.82 50.2K 388,302
2022-02-06 HAUBER STEPHEN M Officer F-InKind D Common Stock 2,001 17.82 35.7K 221,566
2022-02-06 Fisher Joe Officer F-InKind D Common Stock 721 17.82 12.8K 140,833
2022-02-05 REMONDI JOHN F Director / Officer F-InKind D Common Stock 29,049 17.82 517.7K 3,410,996
2022-02-05 KANE JOHN M Officer F-InKind D Common Stock 7,425 17.82 132.3K 622,150
2022-02-05 HELEEN MARK L Officer F-InKind D Common Stock 3,648 17.82 65.0K 391,120
2022-02-05 HAUBER STEPHEN M Officer F-InKind D Common Stock 2,590 17.82 46.2K 223,567
2022-02-05 Fisher Joe Officer F-InKind D Common Stock 971 17.82 17.3K 141,554
2022-02-04 YOWAN DAVID L. Director A-Award A Common Stock 7,856 0.00 48,385
2022-02-04 UNGER LAURA S Director A-Award A Common Stock 7,856 0.00 52,082
2022-02-04 THOMPSON JANE J. Director A-Award A Phantom Stock Units 7,856 0.00 86,844
2022-02-04 REMONDI JOHN F Director / Officer A-Award A Common Stock 203,703 0.00 3,461,099
2022-02-04 MILLS LINDA A Director A-Award A Common Stock 13,468 0.00 115,462
2022-02-04 Lawson Michael A Director A-Award A Common Stock 7,856 0.00 11,004
2022-02-04 LEHMAN KATHERINE A Director A-Award A Common Stock 7,856 0.00 78,475
2022-02-04 KLANE LARRY A Director A-Award A Phantom Stock Units 7,856 0.00 29,165
2022-02-04 KANE JOHN M Officer A-Award A Common Stock 38,209 0.00 634,101
2022-02-04 HELEEN MARK L Officer A-Award A Common Stock 27,216 0.00 367,805
2022-02-04 HAUBER STEPHEN M Officer A-Award A Common Stock 19,781 0.00 206,587
2022-02-04 Fisher Joe Officer A-Award A Common Stock 28,198 0.00 113,978
2022-02-04 CABRAL ANNA ESCOBEDO Director A-Award A Phantom Stock Units 7,856 0.00 41,039
2022-02-04 ARNOLD FREDERICK Director A-Award A Common Stock 7,856 0.00 53,961
2022-02-03 REMONDI JOHN F Director / Officer M-Exempt A Common Stock 297,397 15.48 4.60M 3,405,051
2022-02-03 HAUBER STEPHEN M Officer M-Exempt A Common Stock 39,033 15.48 604.2K 225,839
2022-01-03 KANE JOHN M Officer M-Exempt A Common Stock 107,806 15.48 1.67M 668,962
2021-12-06 REMONDI JOHN F Director / Officer F-InKind D Common Stock 7,018 20.60 144.6K 3,099,100
2021-12-06 HELEEN MARK L Officer F-InKind D Common Stock 1,328 20.60 27.4K 339,363
2021-10-07 Fisher Joe Officer F-InKind D Common Stock 1,746 19.43 33.9K 85,312
2021-08-02 Lawson Michael A Director D No Securities Owned 0 0.00 0
2021-05-27 HELEEN MARK L Officer F-InKind D Common Stock 51,390 18.16 933.2K 338,185
2021-05-06 HAUBER STEPHEN M Officer S-Sale D Common Stock 13,285 16.97 225.5K 183,535
2021-03-02 REMONDI JOHN F Director / Officer F-InKind D Common Stock 68,001 12.89 876.5K 3,075,745
2021-03-02 KANE JOHN M Officer F-InKind D Common Stock 22,630 12.89 291.7K 552,892
2021-03-02 HELEEN MARK L Officer F-InKind D Common Stock 12,877 12.89 166.0K 331,967
2021-03-02 HAUBER STEPHEN M Officer F-InKind D Common Stock 8,262 12.89 106.5K 195,579
2021-02-06 REMONDI JOHN F Director / Officer F-InKind D Common Stock 21,677 12.43 269.4K 3,173,763
2021-02-06 KANE JOHN M Officer F-InKind D Common Stock 6,101 12.43 75.8K 585,278
2021-02-06 HELEEN MARK L Officer F-InKind D Common Stock 2,723 12.43 33.8K 350,473
2021-02-06 HAUBER STEPHEN M Officer F-InKind D Common Stock 1,909 12.43 23.7K 207,593
2021-02-06 Fisher Joe Officer F-InKind D Common Stock 819 12.43 10.2K 84,375
2021-02-05 REMONDI JOHN F Director / Officer F-InKind D Common Stock 28,064 12.43 348.8K 3,195,440
2021-02-05 KANE JOHN M Officer F-InKind D Common Stock 5,687 12.43 70.7K 591,379
2021-02-05 HELEEN MARK L Officer F-InKind D Common Stock 3,525 12.43 43.8K 353,196
2021-02-05 HAUBER STEPHEN M Officer F-InKind D Common Stock 2,829 12.43 35.2K 209,502
2021-02-05 Fisher Joe Officer F-InKind D Common Stock 1,063 12.43 13.2K 86,325
2021-02-04 YOWAN DAVID L. Director A-Award A Common Stock 10,569 0.00 40,372
2021-02-04 UNGER LAURA S Director A-Award A Phantom Stock Units 10,569 0.00 30,137
2021-02-04 THOMPSON JANE J. Director A-Award A Phantom Stock Units 10,569 0.00 76,307
2021-02-04 REMONDI JOHN F Director / Officer A-Award A Common Stock 162,601 0.00 2,980,062
2021-02-04 MILLS LINDA A Director A-Award A Common Stock 15,853 0.00 98,568
2021-02-04 LEHMAN KATHERINE A Director A-Award A Common Stock 10,569 0.00 70,462
2021-02-04 KLANE LARRY A Director A-Award A Phantom Stock Units 10,569 0.00 20,585
2021-02-04 KANE JOHN M Officer A-Award A Common Stock 40,650 0.00 557,326
2021-02-04 HELEEN MARK L Officer A-Award A Common Stock 30,487 0.00 326,691
2021-02-04 HAUBER STEPHEN M Officer A-Award A Common Stock 21,114 0.00 213,374
2021-02-04 Fisher Joe Officer A-Award A Common Stock 20,325 0.00 66,274
2021-02-04 CABRAL ANNA ESCOBEDO Director A-Award A Common Stock 10,569 0.00 49,161
2021-02-04 ARNOLD FREDERICK Director A-Award A Common Stock 10,569 0.00 45,948
2021-02-02 REMONDI JOHN F Director / Officer M-Exempt D Stock Option (Right to Buy) 762,376 9.18 7.00M 0
2021-02-02 KANE JOHN M Officer M-Exempt D Stock Option (Right to Buy) 161,386 9.18 1.48M 0
2021-01-29 HAUBER STEPHEN M Officer F-InKind D Common Stock 119,902 11.45 1.37M 171,935
2021-01-14 REMONDI JOHN F Director / Officer M-Exempt A Common Stock 80,000 9.38 750.2K 2,794,024
2021-01-14 KANE JOHN M Officer M-Exempt D Stock Option (Right to Buy) 13,333 9.38 125.0K 0
2021-01-04 HAUBER STEPHEN M Officer M-Exempt A Common Stock 8,333 9.38 78.1K 161,198
2021-01-01 CABRAL ANNA ESCOBEDO Director M-Exempt A Common Stock 14,367 0.00 38,592
2020-12-03 REMONDI JOHN F Director / Officer F-InKind D Common Stock 6,364 9.65 61.4K 2,697,107
2020-12-03 HELEEN MARK L Officer F-InKind D Common Stock 1,204 9.65 11.6K 293,588
2020-10-07 Fisher Joe Officer A-Award A Common Stock 16,648 9.01 150.0K 45,389
2020-10-05 Fisher Joe Officer D Common Stock 0 0.00 28,741
2020-08-13 CABRAL ANNA ESCOBEDO Director P-Purchase A Common Stock 6,000 8.81 52.9K 24,226
2020-07-31 REMONDI JOHN F Director / Officer P-Purchase A Common Stock 25,000 7.75 193.8K 2,684,586
2020-06-01 Morris Ted A Officer D Common Stock 0 0.00 62,703
2020-05-13 ARNOLD FREDERICK Director P-Purchase A Common Stock 6,500 6.66 43.3K 35,235
2020-05-06 UNGER LAURA S Director P-Purchase A Common Stock 3,000 7.25 21.8K 44,082
2020-05-04 HELEEN MARK L Officer P-Purchase A Common Stock 7,250 6.77 49.1K 288,824
2020-03-27 LOWN CHRISTIAN M. Officer F-InKind D Common Stock 9,962 8.03 80.0K 313,805
2020-03-02 REMONDI JOHN F Director / Officer F-InKind D Common Stock 75,659 11.58 876.1K 2,590,126
2020-03-02 KANE JOHN M Officer F-InKind D Common Stock 22,137 11.58 256.3K 458,083

Executive team

Top executives
EBIT / Employee
1.18M
Shares Outstanding
93.99M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2026-04-16 DEFA14A
2026-04-16 DEF 14A
2025-04-17 DEFA14A
2025-04-17 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-04-29 8-K
2026-04-29 10-Q
2026-04-17 SC 13D/A
2026-04-16 DEFA14A
2026-04-16 DEF 14A
2026-04-16 ARS
2026-04-09 SC 13G/A
2026-04-08 8-K
2026-03-27 SC 13G/A
2026-03-05 4

Executive team

NameTitleCompensationGender
David L. Yowan President, Chief Executive Officer & Director 2M male
Troy Standish Chief Operating Officer & Executive Vice President 1M male
Stephen Hauber Executive Vice President, Chief Financial Officer & Principal Accounting Officer 1M male
Judah Holland Senior Vice President & Chief Transition Officer female
Matthew R. Sheldon Senior Vice President & General Counsel male
Paul Hartwick Vice President of Corporate Communications
Robert A. Crawford Senior Vice President & Controller male
Shanee Ben-Zur Chief Marketing Officer of Earnest female
Jen Earyes Head of Investor Relations female
Deanna Coloe Vice President & Chief Audit Officer female
ESG Rating
B
FINANCIAL - CREDIT SERVICES
2026
E (Environmental)
66.5 / 60.0
Company / Sector avg.
S (Social)
61.3 / 63.1
Company / Sector avg.
G (Governance)
70.3 / 59.1
Company / Sector avg.
ESG Total
66.0 / 60.7
Company / Sector avg.
ESG Score History FINANCIAL - CREDIT SERVICES
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits