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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.01
NAVI's Cash to Debt is ranked lower than
62% of the 334 Companies
in the Global Credit Services industry.

( Industry Median: 0.26 vs. NAVI: 0.01 )
NAVI' s 10-Year Cash to Debt Range
Min: 0.01   Max: 0.03
Current: 0.01

0.01
0.03
Equity to Asset 0.03
NAVI's Equity to Asset is ranked lower than
60% of the 334 Companies
in the Global Credit Services industry.

( Industry Median: 0.29 vs. NAVI: 0.03 )
NAVI' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.04
Current: 0.03

0.03
0.04
Interest Coverage 0.89
NAVI's Interest Coverage is ranked lower than
57% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 8.03 vs. NAVI: 0.89 )
NAVI' s 10-Year Interest Coverage Range
Min: 0.89   Max: 0.94
Current: 0.89

0.89
0.94
Z-Score: 0.16
WACC vs ROIC
0.95%
0.87%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 56.33
NAVI's Operating margin (%) is ranked higher than
91% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 21.20 vs. NAVI: 56.33 )
NAVI' s 10-Year Operating margin (%) Range
Min: 51.4   Max: 51.49
Current: 56.33

51.4
51.49
Net-margin (%) 35.25
NAVI's Net-margin (%) is ranked higher than
87% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 16.01 vs. NAVI: 35.25 )
NAVI' s 10-Year Net-margin (%) Range
Min: 32.15   Max: 34.99
Current: 35.25

32.15
34.99
ROE (%) 27.70
NAVI's ROE (%) is ranked higher than
94% of the 341 Companies
in the Global Credit Services industry.

( Industry Median: 10.02 vs. NAVI: 27.70 )
NAVI' s 10-Year ROE (%) Range
Min: 23.37   Max: 23.37
Current: 27.7

ROA (%) 0.84
NAVI's ROA (%) is ranked higher than
54% of the 358 Companies
in the Global Credit Services industry.

( Industry Median: 2.98 vs. NAVI: 0.84 )
NAVI' s 10-Year ROA (%) Range
Min: 0.75   Max: 0.75
Current: 0.84

ROC (Joel Greenblatt) (%) 56.54
NAVI's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 347 Companies
in the Global Credit Services industry.

( Industry Median: 16.90 vs. NAVI: 56.54 )
NAVI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 301.15   Max: 301.15
Current: 56.54

» NAVI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014
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Guru Investment Theses on Navient Corp

KEELEY Small Cap Value Fund Comments on Navient - Jul 30, 2014

Recently, Sallie Mae (SLM) spun its FFELP (Federal Family Education Loan Program) division Navient (NAVI). In this case we elected to keep Sallie Mae Bank (SLM, the parent) and we sold Navient. Our rationale for selling NAVI was that it’s strictly a US government backed loan originator/servicer and will not likely grow as fast as SLM who dominates the private student lending market.

From John Keeley (Trades, Portfolio)’s KEELEY Small Cap Value Fund Second Quarter 2014 Commentary.

Check out John Keeley latest stock trades

Top Ranked Articles about Navient Corp

Prem Watsa Buys 4 New Stocks
Prem Watsa (Trades, Portfolio), founder of Canadian insurance conglomerate Fairfax Financial Holdings (TSX:FFH), has been fully hedged on his equity positions since about 2010, reducing his returns as the market increased. In Fairfax’s second quarter financial results, however, Watsa told investors the hedges had decreased, though they were prone to fluctuate: Read more...
KEELEY Small Cap Value Fund Comments on Navient
Recently, Sallie Mae (SLM) spun its FFELP (Federal Family Education Loan Program) division Navient (NAVI). In this case we elected to keep Sallie Mae Bank (SLM, the parent) and we sold Navient. Our rationale for selling NAVI was that it’s strictly a US government backed loan originator/servicer and will not likely grow as fast as SLM who dominates the private student lending market. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 7.30
NAVI's P/E(ttm) is ranked higher than
92% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 25.40 vs. NAVI: 7.30 )
NAVI' s 10-Year P/E(ttm) Range
Min: 6.48   Max: 8.32
Current: 7.3

6.48
8.32
Forward P/E 8.40
NAVI's Forward P/E is ranked higher than
94% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NAVI: 8.40 )
N/A
PE(NRI) 7.30
NAVI's PE(NRI) is ranked higher than
93% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 26.10 vs. NAVI: 7.30 )
NAVI' s 10-Year PE(NRI) Range
Min: 6.82   Max: 8.44
Current: 7.3

6.82
8.44
P/B 1.94
NAVI's P/B is ranked higher than
63% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 2.30 vs. NAVI: 1.94 )
NAVI' s 10-Year P/B Range
Min: 1.69   Max: 2.19
Current: 1.94

1.69
2.19
P/S 2.35
NAVI's P/S is ranked higher than
70% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. NAVI: 2.35 )
NAVI' s 10-Year P/S Range
Min: 2.03   Max: 2.67
Current: 2.35

2.03
2.67
POCF 5.27
NAVI's POCF is ranked higher than
90% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NAVI: 5.27 )
NAVI' s 10-Year POCF Range
Min: 3.4   Max: 5.77
Current: 5.27

3.4
5.77
EV-to-EBIT 79.67
NAVI's EV-to-EBIT is ranked higher than
64% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 35.97 vs. NAVI: 79.67 )
NAVI' s 10-Year EV-to-EBIT Range
Min: 79.2   Max: 80.3
Current: 79.67

79.2
80.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.09
NAVI's Dividend Yield is ranked higher than
69% of the 230 Companies
in the Global Credit Services industry.

( Industry Median: 2.06 vs. NAVI: 3.09 )
NAVI' s 10-Year Dividend Yield Range
Min: 1.42   Max: 2.33
Current: 3.09

1.42
2.33
Dividend Payout 0.17
NAVI's Dividend Payout is ranked higher than
95% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NAVI: 0.17 )
NAVI' s 10-Year Dividend Payout Range
Min: 0.17   Max: 0.17
Current: 0.17

Yield on cost (5-Year) 3.10
NAVI's Yield on cost (5-Year) is ranked higher than
54% of the 233 Companies
in the Global Credit Services industry.

( Industry Median: 3.10 vs. NAVI: 3.10 )
NAVI' s 10-Year Yield on cost (5-Year) Range
Min: 1.42   Max: 2.33
Current: 3.1

1.42
2.33

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.24
NAVI's Price/Tangible Book is ranked higher than
65% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. NAVI: 2.24 )
NAVI' s 10-Year Price/Tangible Book Range
Min: 1.92   Max: 2.04
Current: 2.24

1.92
2.04
Price/Median PS Value 1.01
NAVI's Price/Median PS Value is ranked higher than
76% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. NAVI: 1.01 )
NAVI' s 10-Year Price/Median PS Value Range
Min: 1.11   Max: 1.11
Current: 1.01

Price/Graham Number 0.81
NAVI's Price/Graham Number is ranked higher than
84% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 1.90 vs. NAVI: 0.81 )
NAVI' s 10-Year Price/Graham Number Range
Min: 0.89   Max: 0.89
Current: 0.81

Earnings Yield (Greenblatt) 1.30
NAVI's Earnings Yield (Greenblatt) is ranked higher than
52% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. NAVI: 1.30 )
NAVI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 1.3
Current: 1.3

1.2
1.3

Business Description

Industry: Credit Services » Credit Services
Compare: » details
Traded in other countries:10D.Germany,
Navient Corp was incorporated on November 7, 2013 in Delaware. The Company was formed in 1972 as the Student Loan Marketing Association, a federally chartered government-sponsored enterprise. The Company, through its subsidiaries is engaged in originating, servicing and collecting education loans. It uses "Private Education Loans" to mean education loans to students or their families that are non-federal loans and loans not insured or guaranteed under the previously existing Federal Family Education Loan Program. The Company operates three primary segments: the Consumer Lending operating segment, the Business Services operating segment and the FFELP Loans operating segment. In Consumer Lending Segment, it originates, acquire, finance and service Private Education Loans. It faces competition for Private Education Loans from a group of banks and local credit unions. In Business Services Segment, it is a holder, servicer and collector of loans. FFELP Loans segment consists of FFELP Loan portfolio and the underlying debt and capital funding the loans. The Company is subject to the state laws and regulations.
» More Articles for NAVI

Headlines

Articles On GuruFocus.com
Navient Bags Gila Mar 03 2015 
Leon Cooperman Buys 10% Stake in For-Profit Education Company Sep 09 2014 
Prem Watsa Buys 4 New Stocks Aug 13 2014 
KEELEY Small Cap Value Fund Comments on Navient Jul 30 2014 
KEELEY Small Cap Value Fund Second Quarter 2014 Commentary Jul 30 2014 

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