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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 0.02
NAVI's Cash to Debt is ranked lower than
94% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 94.80 vs. NAVI: 0.02 )
Ranked among companies with meaningful Cash to Debt only.
NAVI' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.03 Max: N/A
Current: 0.02
Equity to Asset 0.03
NAVI's Equity to Asset is ranked lower than
95% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: 0.36 vs. NAVI: 0.03 )
Ranked among companies with meaningful Equity to Asset only.
NAVI' s 10-Year Equity to Asset Range
Min: 0.03  Med: 0.03 Max: 0.04
Current: 0.03
0.03
0.04
Interest Coverage 0.89
NAVI's Interest Coverage is ranked lower than
91% of the 172 Companies
in the Global Credit Services industry.

( Industry Median: 19.62 vs. NAVI: 0.89 )
Ranked among companies with meaningful Interest Coverage only.
NAVI' s 10-Year Interest Coverage Range
Min: 0.56  Med: 0.89 Max: 0.94
Current: 0.89
0.56
0.94
WACC vs ROIC
0.96%
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
83% of the 259 Companies
in the Global Credit Services industry.

( Industry Median: 20.96 vs. NAVI: 56.33 )
Ranked among companies with meaningful Operating margin (%) only.
NAVI' s 10-Year Operating margin (%) Range
Min: 41.63  Med: 51.40 Max: 51.49
Current: 56.33
41.63
51.49
Net-margin (%) 35.25
NAVI's Net-margin (%) is ranked higher than
76% of the 261 Companies
in the Global Credit Services industry.

( Industry Median: 15.92 vs. NAVI: 35.25 )
Ranked among companies with meaningful Net-margin (%) only.
NAVI' s 10-Year Net-margin (%) Range
Min: 27.2  Med: 32.15 Max: 34.99
Current: 35.25
27.2
34.99
ROE (%) 27.70
NAVI's ROE (%) is ranked higher than
86% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. NAVI: 27.70 )
Ranked among companies with meaningful ROE (%) only.
NAVI' s 10-Year ROE (%) Range
Min: 23.37  Med: 36.84 Max: 50.31
Current: 27.7
23.37
50.31
ROA (%) 0.84
NAVI's ROA (%) is ranked lower than
70% of the 270 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. NAVI: 0.84 )
Ranked among companies with meaningful ROA (%) only.
NAVI' s 10-Year ROA (%) Range
Min: 0.75  Med: 1.27 Max: 1.78
Current: 0.84
0.75
1.78
ROC (Joel Greenblatt) (%) 54.63
NAVI's ROC (Joel Greenblatt) (%) is ranked higher than
68% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 16.18 vs. NAVI: 54.63 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
NAVI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 37.39  Med: 42.95 Max: 48.51
Current: 54.63
37.39
48.51
» NAVI's 10-Y Financials

Financials


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

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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 Sells 2 Education Loan Companies
During the first quarter, the “Canadian Warren Buffett (Trades, Portfolio)” Prem Watsa (Trades, Portfolio) sold off three of his holdings, two of which are in the education loan industry. Read more...
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) 6.22
NAVI's P/E(ttm) is ranked higher than
88% of the 205 Companies
in the Global Credit Services industry.

( Industry Median: 15.60 vs. NAVI: 6.22 )
Ranked among companies with meaningful P/E(ttm) only.
NAVI' s 10-Year P/E(ttm) Range
Min: 6.19  Med: 7.23 Max: 8.32
Current: 6.22
6.19
8.32
Forward P/E 7.70
NAVI's Forward P/E is ranked higher than
77% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 11.26 vs. NAVI: 7.70 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 6.30
NAVI's PE(NRI) is ranked higher than
88% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 15.90 vs. NAVI: 6.30 )
Ranked among companies with meaningful PE(NRI) only.
NAVI' s 10-Year PE(NRI) Range
Min: 6.32  Med: 7.54 Max: 8.44
Current: 6.3
6.32
8.44
P/B 1.80
NAVI's P/B is ranked lower than
66% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 1.21 vs. NAVI: 1.80 )
Ranked among companies with meaningful P/B only.
NAVI' s 10-Year P/B Range
Min: 1.69  Med: 1.90 Max: 2.19
Current: 1.8
1.69
2.19
P/S 2.19
NAVI's P/S is ranked higher than
64% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 3.21 vs. NAVI: 2.19 )
Ranked among companies with meaningful P/S only.
NAVI' s 10-Year P/S Range
Min: 2.03  Med: 2.33 Max: 2.67
Current: 2.19
2.03
2.67
POCF 4.75
NAVI's POCF is ranked higher than
72% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 8.45 vs. NAVI: 4.75 )
Ranked among companies with meaningful POCF only.
NAVI' s 10-Year POCF Range
Min: 3.4  Med: 4.96 Max: 5.77
Current: 4.75
3.4
5.77
EV-to-EBIT 72.48
NAVI's EV-to-EBIT is ranked lower than
86% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 19.06 vs. NAVI: 72.48 )
Ranked among companies with meaningful EV-to-EBIT only.
NAVI' s 10-Year EV-to-EBIT Range
Min: 72.6  Med: 79.80 Max: 90
Current: 72.48
72.6
90

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.40
NAVI's Dividend Yield is ranked higher than
68% of the 224 Companies
in the Global Credit Services industry.

( Industry Median: 2.27 vs. NAVI: 3.40 )
Ranked among companies with meaningful Dividend Yield only.
NAVI' s 10-Year Dividend Yield Range
Min: 0.84  Med: 2.03 Max: 3.31
Current: 3.4
0.84
3.31
Dividend Payout 0.21
NAVI's Dividend Payout is ranked higher than
69% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 0.27 vs. NAVI: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
NAVI' s 10-Year Dividend Payout Range
Min: 0.18  Med: 0.22 Max: 0.24
Current: 0.21
0.18
0.24
Yield on cost (5-Year) 3.40
NAVI's Yield on cost (5-Year) is ranked higher than
55% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 3.10 vs. NAVI: 3.40 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NAVI' s 10-Year Yield on cost (5-Year) Range
Min: 0.84  Med: 2.03 Max: 3.31
Current: 3.4
0.84
3.31

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.07
NAVI's Price/Tangible Book is ranked lower than
67% of the 240 Companies
in the Global Credit Services industry.

( Industry Median: 1.27 vs. NAVI: 2.07 )
Ranked among companies with meaningful Price/Tangible Book only.
NAVI' s 10-Year Price/Tangible Book Range
Min: 1.92  Med: 2.18 Max: 2.32
Current: 2.07
1.92
2.32
Price/Median PS Value 0.94
NAVI's Price/Median PS Value is ranked higher than
54% of the 232 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. NAVI: 0.94 )
Ranked among companies with meaningful Price/Median PS Value only.
NAVI' s 10-Year Price/Median PS Value Range
Min: 0.9  Med: 0.99 Max: 1.11
Current: 0.94
0.9
1.11
Price/Graham Number 0.74
NAVI's Price/Graham Number is ranked higher than
65% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 0.93 vs. NAVI: 0.74 )
Ranked among companies with meaningful Price/Graham Number only.
NAVI' s 10-Year Price/Graham Number Range
Min: 0.75  Med: 0.83 Max: 0.89
Current: 0.74
0.75
0.89
Earnings Yield (Greenblatt) (%) 1.40
NAVI's Earnings Yield (Greenblatt) (%) is ranked lower than
67% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. NAVI: 1.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NAVI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.1  Med: 1.30 Max: 1.4
Current: 1.4
1.1
1.4

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
Prem Watsa Sells 2 Education Loan Companies May 15 2015 
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 

More From Other Websites
Navient Foundation awards $22,000 to Luzerne County Head Start Jun 25 2015
Navient receives Best Board Diversity Initiative Award Jun 19 2015
Navient receives Best Board Diversity Initiative Award Jun 19 2015
Moody's assigns definitive ratings to Navient Student Loan Trust 2015-3 Jun 18 2015
Edited Transcript of NAVI presentation 11-Jun-15 8:45pm GMT Jun 12 2015
Join Navient for "9 Innings of Networking" in Wilmington Jun 12 2015
Join Navient for "9 Innings of Networking" in Wilmington Jun 12 2015
Navient Settles With DOJ, Will Pay $60 Million to Service Members It Overcharged Jun 04 2015
Navient appoints John Kane and Jeff Whorley as group presidents to lead business growth Jun 03 2015
Navient appoints John Kane and Jeff Whorley as group presidents to lead business growth Jun 03 2015
Moody's assigns provisional ratings to Navient Student Loan Trust 2015-3 Jun 03 2015
Navient CFO to present at Barclays High Yield Bond and Syndicated Loan Conference Jun 03 2015
$60 Million in Student Loan Refund Checks Are in the Mail Jun 02 2015
NAVIENT CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 28 2015
Navient CEO statement at shareholder meeting May 21 2015
Navient declares second quarter common stock dividend May 21 2015
Navient helps student loan borrowers learn about income-driven repayment plans May 13 2015
Navient helps student loan borrowers learn about income-driven repayment plans May 13 2015
Navient receives ClearMark Award of Distinction for customer communication May 13 2015
Navient statement on the FAIR Student Credit Act May 12 2015

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