Navient Holdings COO holds 256,160 direct shares

Q: How many shares does Troy Standish hold in Navient Holdings (JSM)?

As of October 28, 2026, Troy Standish held 256,160 common shares directly and 16,713 indirectly through a 401(k).

Q: How do Troy Standish’s Navient Holdings phantom stock units work?

He held 892 phantom stock units, each economically equivalent to one common share. They will be settled in cash or Navient common stock based on his deferral and distribution elections under the applicable plans.

Troy Standish’s common-stock balance includes awards granted by Navient Corporation that remain subject to vesting.

Available on EDGAR 11/09/2026 - 05:02 PM EST Accepted by SEC EDGAR 11/09/2026 - 05:02 PM EST

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Form Type

Rhea-AI Filing Summary

Navient Holdings, Inc. (JSM) reported that Troy Standish, EVP and Chief Operating Officer, held 256,160 common shares directly and 16,713 indirectly through a 401(k) as of October 28, 2026. The direct balance includes 120,753 restricted stock and performance stock units that remain subject to vesting. Standish also held 892 phantom stock units, each economically equivalent to one common share and settled in cash or Navient common stock based on his elections under the applicable plans.

Insider Trade Summary

Holdings reported, no transactions

Holdings

Insider STANDISH TROY

Role EVP & Chief Operating Officer

Type	Security	Shares	Price	Value
Holding	Phantom Stock Units ^F3	--	--	--
Holding	Common Stock ^F1	--	--	--
Holding	Common Stock ^F2	--	--	--

Holdings: Phantom Stock Units — 891.8194 units (Direct); Common Stock — 256,159.9314 shares (Direct); Common Stock — 16,713.2998 shares (Indirect, By 401(k))

Footnotes (3)

F1. The reporting person's common stock balance includes 120,753.302 restricted stock units and performance stock units that were received in respect of, and remain subject to vesting terms applicable to, restricted stock units and performance stock units granted by, and as reported on Form 4 filings with respect to, Navient Corporation, as Navient Holdings, Inc., is the successor to Navient Corporation under the Securities Exchange Act of 1934, as amended.
F2. The information in this report is based on the reporting person's actual account balance as of October 28, 2026.
F3. Each share of phantom stock is the economic equivalent of one share of common stock. The shares of phantom stock will be settled in cash or shares of Navient common stock based on the reporting person's deferral and distribution elections in the Navient Supplemental 401(k) Savings Plan and the Navient Holdings, Inc., Deferred Compensation Plan for Key Employees.

Key Figures

Direct common shares: 256,160 shares Indirect common shares: 16,713 shares Phantom stock units: 892 units +1 more

4 metrics

Direct common shares 256,160 shares Troy Standish's reported balance as of October 28, 2026

Indirect common shares 16,713 shares Held through a 401(k) as of October 28, 2026

Phantom stock units 892 units Each unit is economically equivalent to one common share

Restricted and performance stock units 120,753 units Included in the direct common-stock balance and remain subject to vesting

Key Terms

Phantom Stock Units, restricted stock units, performance stock units

3 terms

Phantom Stock Units financial

"Each share of phantom stock is the economic equivalent of one share of common stock."

Phantom stock units are company promises that pay a cash or stock-equivalent award tied to the firm’s share price or value growth, but they do not issue actual shares. Think of them as a bonus check that moves with the stock like a mirror rather than handing over an ownership slice. Investors care because these awards can affect a company’s future cash obligations, executive incentives and reported expenses without causing share dilution.

restricted stock units financial

"120,753 restricted stock units and performance stock units"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

performance stock units financial

"120,753 restricted stock units and performance stock units"

Performance stock units are a type of company award that grants employees shares of stock only if certain performance goals are met. They motivate employees to work toward specific company achievements, aligning their interests with those of shareholders. For investors, they can influence a company's future stock supply and reflect management’s confidence in reaching key targets.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many shares does Troy Standish hold in Navient Holdings (JSM)?

As of October 28, 2026, Troy Standish held 256,160 common shares directly and 16,713 indirectly through a 401(k).

How do Troy Standish’s Navient Holdings phantom stock units work?

He held 892 phantom stock units, each economically equivalent to one common share. They will be settled in cash or Navient common stock based on his deferral and distribution elections under the applicable plans.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

STANDISH TROY

(Last)

(First)

(Middle)

13865 SUNRISE VALLEY DRIVE

(Street)

HERNDON

VIRGINIA

20171

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
10/28/2026

3. Issuer Name and Ticker or Trading Symbol
Navient Holdings, Inc. [ NAVI ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	EVP & Chief Operating Officer

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	256,159.9314⁽¹⁾	D
Common Stock	16,713.2998⁽²⁾	I	By 401(k)

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivative Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
Phantom Stock Units	⁽³⁾	⁽³⁾	Common Stock	891.8194	$0	D

Explanation of Responses:

1. The reporting person's common stock balance includes 120,753.302 restricted stock units and performance stock units that were received in respect of, and remain subject to vesting terms applicable to, restricted stock units and performance stock units granted by, and as reported on Form 4 filings with respect to, Navient Corporation, as Navient Holdings, Inc., is the successor to Navient Corporation under the Securities Exchange Act of 1934, as amended.

2. The information in this report is based on the reporting person's actual account balance as of October 28, 2026.

3. Each share of phantom stock is the economic equivalent of one share of common stock. The shares of phantom stock will be settled in cash or shares of Navient common stock based on the reporting person's deferral and distribution elections in the Navient Supplemental 401(k) Savings Plan and the Navient Holdings, Inc., Deferred Compensation Plan for Key Employees.

Remarks:

Exhibit 24 - Power of Attorney

	/s/ Matthew Sheldon (POA) for Troy Standish	11/09/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)

Source: View Original Filing on SEC EDGAR