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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.01
NAVI's Cash to Debt is ranked higher than
54% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 0.19 vs. NAVI: 0.01 )
NAVI' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.01

Equity to Asset 0.03
NAVI's Equity to Asset is ranked lower than
51% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 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
80% of the 148 Companies
in the Global Credit Services industry.

( Industry Median: 5.27 vs. NAVI: 0.89 )
NAVI' s 10-Year Interest Coverage Range
Min: 0.56   Max: 0.94
Current: 0.89

0.56
0.94
Z-Score: 0.16
WACC vs ROIC
0.95%
0.80%
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 : 3/10

vs
industry
vs
history
Operating margin (%) 51.39
NAVI's Operating margin (%) is ranked higher than
92% of the 188 Companies
in the Global Credit Services industry.

( Industry Median: 22.50 vs. NAVI: 51.39 )
NAVI' s 10-Year Operating margin (%) Range
Min: 41.63   Max: 51.49
Current: 51.39

41.63
51.49
Net-margin (%) 32.18
NAVI's Net-margin (%) is ranked higher than
89% of the 188 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. NAVI: 32.18 )
NAVI' s 10-Year Net-margin (%) Range
Min: 27.2   Max: 34.99
Current: 32.18

27.2
34.99
ROE (%) 24.34
NAVI's ROE (%) is ranked higher than
96% of the 187 Companies
in the Global Credit Services industry.

( Industry Median: 12.08 vs. NAVI: 24.34 )
NAVI' s 10-Year ROE (%) Range
Min: 23.37   Max: 50.31
Current: 24.34

23.37
50.31
ROA (%) 0.77
NAVI's ROA (%) is ranked higher than
62% of the 190 Companies
in the Global Credit Services industry.

( Industry Median: 2.89 vs. NAVI: 0.77 )
NAVI' s 10-Year ROA (%) Range
Min: 0.75   Max: 1.78
Current: 0.77

0.75
1.78
ROC (Joel Greenblatt) (%) 37.54
NAVI's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 182 Companies
in the Global Credit Services industry.

( Industry Median: 21.81 vs. NAVI: 37.54 )
NAVI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 37.39   Max: 48.51
Current: 37.54

37.39
48.51
» NAVI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014
Q2 2014
Q3 2014
Q4 2014
» Details

Insider Trades

Latest Guru Trades with NAVI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Irving Kahn 2014-12-31 Reduce -5.57%0.14%$17.125 - $22.57 $ 19.51-2%849483
Third Avenue Management 2014-12-31 Add 255.5%0.03%$17.125 - $22.57 $ 19.51-2%71100
Mario Gabelli 2014-12-31 Reduce -37.55%0.01%$17.125 - $22.57 $ 19.51-2%162000
David Dreman 2014-12-31 Add 30.85%$17.125 - $22.57 $ 19.51-3%7113
David Abrams 2014-09-30 Sold Out 6.5%$16.86 - $18 $ 19.5111%0
Mario Gabelli 2014-09-30 Reduce -42.05%0.02%$16.86 - $18 $ 19.5111%259400
Third Avenue Management 2014-09-30 New Buy0.01%$16.86 - $18 $ 19.5111%20000
David Dreman 2014-09-30 Add 49.79%$16.86 - $18 $ 19.5111%5436
David Abrams 2014-06-30 Reduce -36.95%4.03%$15.68 - $17.84 $ 19.5118%5170518
Irving Kahn 2014-06-30 New Buy2.4%$15.68 - $17.84 $ 19.5118%912085
Leon Cooperman 2014-06-30 New Buy2.4%$15.68 - $17.84 $ 19.5118%10135751
James Barrow 2014-06-30 New Buy0.95%$15.68 - $17.84 $ 19.5118%39996056
Mario Gabelli 2014-06-30 New Buy0.04%$15.68 - $17.84 $ 19.5118%447600
Prem Watsa 2014-06-30 New Buy0.02%$15.68 - $17.84 $ 19.5118%15000
Joel Greenblatt 2014-06-30 New Buy$15.68 - $17.84 $ 19.5118%12713
David Dreman 2014-06-30 New Buy$15.68 - $17.84 $ 19.5118%3629
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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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) 8.20
NAVI's P/E(ttm) is ranked higher than
90% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 16.40 vs. NAVI: 8.20 )
NAVI' s 10-Year P/E(ttm) Range
Min: 6.48   Max: 8.32
Current: 8.2

6.48
8.32
Forward P/E 7.96
NAVI's Forward P/E is ranked higher than
90% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 15.41 vs. NAVI: 7.96 )
N/A
PE(NRI) 8.00
NAVI's PE(NRI) is ranked higher than
90% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 16.00 vs. NAVI: 8.00 )
NAVI' s 10-Year PE(NRI) Range
Min: 6.82   Max: 8.44
Current: 8

6.82
8.44
P/B 2.10
NAVI's P/B is ranked higher than
71% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.13 vs. NAVI: 2.10 )
NAVI' s 10-Year P/B Range
Min: 1.69   Max: 2.19
Current: 2.1

1.69
2.19
P/S 2.32
NAVI's P/S is ranked higher than
71% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.91 vs. NAVI: 2.32 )
NAVI' s 10-Year P/S Range
Min: 2.03   Max: 2.67
Current: 2.32

2.03
2.67
POCF 5.52
NAVI's POCF is ranked higher than
87% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 22.91 vs. NAVI: 5.52 )
NAVI' s 10-Year POCF Range
Min: 3.4   Max: 5.77
Current: 5.52

3.4
5.77
EV-to-EBIT 76.57
NAVI's EV-to-EBIT is ranked higher than
60% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 25.54 vs. NAVI: 76.57 )
NAVI' s 10-Year EV-to-EBIT Range
Min: 79.2   Max: 90
Current: 76.57

79.2
90

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.31
NAVI's Dividend Yield is ranked higher than
50% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 2.10 vs. NAVI: 2.31 )
NAVI' s 10-Year Dividend Yield Range
Min: 0.84   Max: 2.31
Current: 2.31

0.84
2.31
Dividend Payout 0.17
NAVI's Dividend Payout is ranked higher than
54% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 1.58 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) 2.30
NAVI's Yield on cost (5-Year) is ranked lower than
72% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. NAVI: 2.30 )
NAVI' s 10-Year Yield on cost (5-Year) Range
Min: 0.84   Max: 2.31
Current: 2.3

0.84
2.31

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.10
NAVI's Price/Tangible Book is ranked higher than
74% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.63 vs. NAVI: 2.10 )
NAVI' s 10-Year Price/Tangible Book Range
Min: 1.92   Max: 2.04
Current: 2.1

1.92
2.04
Price/Median PS Value 1.10
NAVI's Price/Median PS Value is ranked higher than
76% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 1.27 vs. NAVI: 1.10 )
NAVI' s 10-Year Price/Median PS Value Range
Min: 0.95   Max: 0.95
Current: 1.1

Price/Graham Number 0.80
NAVI's Price/Graham Number is ranked higher than
83% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 1.45 vs. NAVI: 0.80 )
NAVI' s 10-Year Price/Graham Number Range
Min: 0.91   Max: 0.91
Current: 0.8

Earnings Yield (Greenblatt) 1.30
NAVI's Earnings Yield (Greenblatt) is ranked higher than
58% of the 189 Companies
in the Global Credit Services industry.

( Industry Median: 4.40 vs. NAVI: 1.30 )
NAVI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 1.3
Current: 1.3

1.1
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.
» More Articles for NAVI

Headlines

Articles On GuruFocus.com
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 Our Partners
Navient Buys Gila, Boosts Asset Recovery Services - Analyst Blog Mar 1 2015 - ZACKS

More From Other Websites
Navient (NAVI) Stock Closed Down Today as Education Department Ends Contract Mar 02 2015
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Navient Buys Gila, Boosts Asset Recovery Services - Analyst Blog Mar 01 2015
[$$] Education Department Ending Five Collection Agencies' Contracts Feb 27 2015
NAVIENT CORP Files SEC form 10-K, Annual Report Feb 27 2015
Encore Capital (ECPG) Misses on Q4 Earnings, Improves Y/Y - Analyst Blog Feb 27 2015
Moody's assigns definitive ratings to Navient Student Loan Trust 2015-1 Feb 26 2015
Navient announces annual meeting of shareholders on May 21, 2015 Feb 26 2015
Navient acquires leading asset recovery firm serving state and local governments Feb 25 2015
Navient acquires leading asset recovery firm serving state and local governments Feb 25 2015
Navient celebrates new headquarters in Wilmington Feb 17 2015
Navient celebrates new headquarters in Wilmington Feb 17 2015
Navient Corporation Announces Expiration of Early Tender Date and Withdrawal Date in Offer for its... Feb 12 2015
Navient Corporation Announces Expiration of Early Tender Date and Withdrawal Date in Offer for its... Feb 12 2015
Texas Capital Depicts Downtrend; High Expenses a Worry? - Analyst Blog Feb 09 2015
Navient CEO to present at 2015 Credit Suisse Financial Services Forum Jan 30 2015
Navient announces Cash Tender Offer for its 6.25% Medium Term Notes, Series A due Jan. 25, 2016 Jan 29 2015
Navient announces Cash Tender Offer for its 6.25% Medium Term Notes, Series A due Jan. 25, 2016 Jan 29 2015
Navient announces 7 percent increase in quarterly dividend Jan 26 2015

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