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Also traded in: Germany

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
100% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. NAVI: 0.01 )
Ranked among companies with meaningful Cash to Debt only.
NAVI' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.02 Max: N/A
Current: 0.01
Equity to Asset 0.03
NAVI's Equity to Asset is ranked lower than
97% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 0.46 vs. NAVI: 0.03 )
Ranked among companies with meaningful Equity to Asset only.
NAVI' s Equity to Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.03 Max: 0.04
Current: 0.03
0.03
0.04
Interest Coverage 0.66
NAVI's Interest Coverage is ranked lower than
81% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 3.59 vs. NAVI: 0.66 )
Ranked among companies with meaningful Interest Coverage only.
NAVI' s Interest Coverage Range Over the Past 10 Years
Min: 0.56  Med: 0.83 Max: 0.94
Current: 0.66
0.56
0.94
F-Score: 5
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 : 6/10

vs
industry
vs
history
Operating margin (%) 48.04
NAVI's Operating margin (%) is ranked higher than
77% of the 340 Companies
in the Global Credit Services industry.

( Industry Median: 20.44 vs. NAVI: 48.04 )
Ranked among companies with meaningful Operating margin (%) only.
NAVI' s Operating margin (%) Range Over the Past 10 Years
Min: 41.63  Med: 51.32 Max: 51.49
Current: 48.04
41.63
51.49
Net-margin (%) 30.17
NAVI's Net-margin (%) is ranked higher than
73% of the 340 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. NAVI: 30.17 )
Ranked among companies with meaningful Net-margin (%) only.
NAVI' s Net-margin (%) Range Over the Past 10 Years
Min: 27.2  Med: 32.04 Max: 34.99
Current: 30.17
27.2
34.99
ROE (%) 22.50
NAVI's ROE (%) is ranked higher than
88% of the 327 Companies
in the Global Credit Services industry.

( Industry Median: 6.61 vs. NAVI: 22.50 )
Ranked among companies with meaningful ROE (%) only.
NAVI' s ROE (%) Range Over the Past 10 Years
Min: 23.24  Med: 24.40 Max: 49.6
Current: 22.5
23.24
49.6
ROA (%) 0.64
NAVI's ROA (%) is ranked lower than
66% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. NAVI: 0.64 )
Ranked among companies with meaningful ROA (%) only.
NAVI' s ROA (%) Range Over the Past 10 Years
Min: 0.71  Med: 0.75 Max: 1.78
Current: 0.64
0.71
1.78
» NAVI's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-21)


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

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Business Description

Industry: Credit Services » Credit Services
Compare:OTCPK:EDNMY, NAS:CACC, OTCPK:ELEEF, OTCPK:AEOJF, NYSE:OMF, OTCPK:FPLPY, NAS:SLM, NAS:HAWK, NYSE:LC, OTCPK:AIFLY, NAS:FCFS, NYSE:NNI, NYSE:GDOT, NYSE:CSH, NAS:XOOM, OTCPK:ALARF, OTCPK:CRQDF, NYSE:YRD, NAS:QIWI, NYSE:PHH » details
Traded in other countries:10D.Germany,
Navient Corp, through its subsidiaries is engaged in originating, servicing and collecting education loans.

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.

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

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Nearly 40 years ago, Irving Kahn and his brothers, Alan and Thomas, founded Kahn Brothers (Trades, Portfolio), a firm that invests mostly in undervalued and often unpopular securities. Irving Kahn died earlier this year at the age of 109, but the firm survives him, heeding the investment philosophies of Benjamin Graham. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 4.77
NAVI's P/E(ttm) is ranked higher than
88% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 14.00 vs. NAVI: 4.77 )
Ranked among companies with meaningful P/E(ttm) only.
NAVI' s P/E(ttm) Range Over the Past 10 Years
Min: 3.45  Med: 6.61 Max: 8.32
Current: 4.77
3.45
8.32
Forward P/E 6.14
NAVI's Forward P/E is ranked higher than
88% of the 41 Companies
in the Global Credit Services industry.

( Industry Median: 9.81 vs. NAVI: 6.14 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 4.77
NAVI's PE(NRI) is ranked higher than
89% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 14.00 vs. NAVI: 4.77 )
Ranked among companies with meaningful PE(NRI) only.
NAVI' s PE(NRI) Range Over the Past 10 Years
Min: 3.45  Med: 6.68 Max: 8.44
Current: 4.77
3.45
8.44
P/B 1.02
NAVI's P/B is ranked higher than
52% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 1.06 vs. NAVI: 1.02 )
Ranked among companies with meaningful P/B only.
NAVI' s P/B Range Over the Past 10 Years
Min: 0.79  Med: 1.74 Max: 2.14
Current: 1.02
0.79
2.14
P/S 1.49
NAVI's P/S is ranked higher than
75% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 3.10 vs. NAVI: 1.49 )
Ranked among companies with meaningful P/S only.
NAVI' s P/S Range Over the Past 10 Years
Min: 1.12  Med: 2.08 Max: 2.68
Current: 1.49
1.12
2.68
POCF 2.52
NAVI's POCF is ranked higher than
85% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 7.16 vs. NAVI: 2.52 )
Ranked among companies with meaningful POCF only.
NAVI' s POCF Range Over the Past 10 Years
Min: 1.83  Med: 3.54 Max: 5.77
Current: 2.52
1.83
5.77
EV-to-EBIT 90.72
NAVI's EV-to-EBIT is ranked lower than
84% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 16.22 vs. NAVI: 90.72 )
Ranked among companies with meaningful EV-to-EBIT only.
NAVI' s EV-to-EBIT Range Over the Past 10 Years
Min: 72.8  Med: 80.85 Max: 91.3
Current: 90.72
72.8
91.3
EV-to-EBITDA 90.72
NAVI's EV-to-EBITDA is ranked lower than
85% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 14.14 vs. NAVI: 90.72 )
Ranked among companies with meaningful EV-to-EBITDA only.
NAVI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 72.8  Med: 80.85 Max: 91.3
Current: 90.72
72.8
91.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 5.49
NAVI's Dividend Yield is ranked higher than
77% of the 248 Companies
in the Global Credit Services industry.

( Industry Median: 3.06 vs. NAVI: 5.49 )
Ranked among companies with meaningful Dividend Yield only.
NAVI' s Dividend Yield Range Over the Past 10 Years
Min: 0.84  Med: 3.27 Max: 7.11
Current: 5.49
0.84
7.11
Dividend Payout 0.27
NAVI's Dividend Payout is ranked higher than
66% of the 145 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. NAVI: 0.27 )
Ranked among companies with meaningful Dividend Payout only.
NAVI' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.23 Max: 0.34
Current: 0.27
0.18
0.34
Forward Dividend Yield 5.60
NAVI's Forward Dividend Yield is ranked higher than
70% of the 237 Companies
in the Global Credit Services industry.

( Industry Median: 3.41 vs. NAVI: 5.60 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.60
NAVI's Yield on cost (5-Year) is ranked higher than
65% of the 291 Companies
in the Global Credit Services industry.

( Industry Median: 3.57 vs. NAVI: 5.60 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NAVI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.84  Med: 3.27 Max: 7.11
Current: 5.6
0.84
7.11

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.21
NAVI's Price/Tangible Book is ranked lower than
53% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 1.15 vs. NAVI: 1.21 )
Ranked among companies with meaningful Price/Tangible Book only.
NAVI' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.22  Med: 1.97 Max: 2.27
Current: 1.21
1.22
2.27
Price/Median PS Value 0.70
NAVI's Price/Median PS Value is ranked higher than
72% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 0.91 vs. NAVI: 0.70 )
Ranked among companies with meaningful Price/Median PS Value only.
NAVI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.68  Med: 1.02 Max: 1.24
Current: 0.7
0.68
1.24
Price/Graham Number 0.50
NAVI's Price/Graham Number is ranked higher than
74% of the 162 Companies
in the Global Credit Services industry.

( Industry Median: 0.84 vs. NAVI: 0.50 )
Ranked among companies with meaningful Price/Graham Number only.
NAVI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.49  Med: 0.78 Max: 0.9
Current: 0.5
0.49
0.9
Earnings Yield (Greenblatt) (%) 1.10
NAVI's Earnings Yield (Greenblatt) (%) is ranked lower than
67% of the 328 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. NAVI: 1.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NAVI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.1  Med: 1.20 Max: 1.4
Current: 1.1
1.1
1.4

More Statistics

Revenue (TTM) (Mil) $2,937
EPS (TTM) $ 2.42
Short Percentage of Float7.07%
52-Week Range $8.20 - 19.00
Shares Outstanding (Mil)330.51

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.86 1.95
EPS w/o NRI ($) 1.86 1.95
EPS Growth Rate
(3Y to 5Y Estimate)
N/A

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