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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
94% of the 327 Companies
in the Global Credit Services industry.

( Industry Median: 209.25 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
98% of the 323 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 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 0.60
NAVI's Interest Coverage is ranked lower than
83% of the 274 Companies
in the Global Credit Services industry.

( Industry Median: 3.05 vs. NAVI: 0.60 )
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: 0.6
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 (%) 48.27
NAVI's Operating margin (%) is ranked higher than
79% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 20.16 vs. NAVI: 48.27 )
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: 48.27
41.63
51.49
Net-margin (%) 30.27
NAVI's Net-margin (%) is ranked higher than
73% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. NAVI: 30.27 )
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: 30.27
27.2
34.99
ROE (%) 21.50
NAVI's ROE (%) is ranked higher than
88% of the 333 Companies
in the Global Credit Services industry.

( Industry Median: 6.80 vs. NAVI: 21.50 )
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: 21.5
23.24
49.6
ROA (%) 0.62
NAVI's ROA (%) is ranked lower than
67% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. NAVI: 0.62 )
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: 0.62
0.71
1.78
» NAVI's 10-Y Financials

Financials


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:FPLPF, OTCPK:EDNMY, OTCPK:ELEEF, OTCPK:AEOJF, NAS:CACC, NYSE:OMF, NAS:SLM, OTCPK:ACMUY, NAS:HAWK, NYSE:NNI, NYSE:LC, OTCPK:AIFLY, OTCPK:GRPLF, NAS:FCFS, NYSE:YRD, NYSE:GDOT, NYSE:CSH, OTCPK:ALARF, NAS:FSC, 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.

Ratios

vs
industry
vs
history
P/E(ttm) 6.08
NAVI's P/E(ttm) is ranked higher than
86% of the 301 Companies
in the Global Credit Services industry.

( Industry Median: 16.67 vs. NAVI: 6.08 )
Ranked among companies with meaningful P/E(ttm) only.
NAVI' s P/E(ttm) Range Over the Past 10 Years
Min: 3.46  Med: 6.56 Max: 8.32
Current: 6.08
3.46
8.32
Forward P/E 7.52
NAVI's Forward P/E is ranked higher than
85% of the 61 Companies
in the Global Credit Services industry.

( Industry Median: 12.06 vs. NAVI: 7.52 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 6.08
NAVI's PE(NRI) is ranked higher than
86% of the 273 Companies
in the Global Credit Services industry.

( Industry Median: 15.81 vs. NAVI: 6.08 )
Ranked among companies with meaningful PE(NRI) only.
NAVI' s PE(NRI) Range Over the Past 10 Years
Min: 3.46  Med: 6.60 Max: 8.4
Current: 6.08
3.46
8.4
P/B 1.27
NAVI's P/B is ranked lower than
53% of the 359 Companies
in the Global Credit Services industry.

( Industry Median: 1.21 vs. NAVI: 1.27 )
Ranked among companies with meaningful P/B only.
NAVI' s P/B Range Over the Past 10 Years
Min: 0.79  Med: 1.72 Max: 2.14
Current: 1.27
0.79
2.14
P/S 1.85
NAVI's P/S is ranked higher than
71% of the 361 Companies
in the Global Credit Services industry.

( Industry Median: 3.41 vs. NAVI: 1.85 )
Ranked among companies with meaningful P/S only.
NAVI' s P/S Range Over the Past 10 Years
Min: 1.12  Med: 2.04 Max: 2.68
Current: 1.85
1.12
2.68
POCF 3.09
NAVI's POCF is ranked higher than
84% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 8.85 vs. NAVI: 3.09 )
Ranked among companies with meaningful POCF only.
NAVI' s POCF Range Over the Past 10 Years
Min: 1.83  Med: 3.52 Max: 5.77
Current: 3.09
1.83
5.77
EV-to-EBIT 97.11
NAVI's EV-to-EBIT is ranked lower than
86% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 15.85 vs. NAVI: 97.11 )
Ranked among companies with meaningful EV-to-EBIT only.
NAVI' s EV-to-EBIT Range Over the Past 10 Years
Min: 72.8  Med: 80.90 Max: 94.8
Current: 97.11
72.8
94.8
EV-to-EBITDA 97.11
NAVI's EV-to-EBITDA is ranked lower than
88% of the 306 Companies
in the Global Credit Services industry.

( Industry Median: 13.87 vs. NAVI: 97.11 )
Ranked among companies with meaningful EV-to-EBITDA only.
NAVI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 72.8  Med: 80.90 Max: 94.8
Current: 97.11
72.8
94.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.53
NAVI's Dividend Yield is ranked higher than
69% of the 251 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. NAVI: 4.53 )
Ranked among companies with meaningful Dividend Yield only.
NAVI' s Dividend Yield Range Over the Past 10 Years
Min: 0.84  Med: 3.36 Max: 7.11
Current: 4.53
0.84
7.11
Dividend Payout 0.26
NAVI's Dividend Payout is ranked higher than
66% of the 145 Companies
in the Global Credit Services industry.

( Industry Median: 0.32 vs. NAVI: 0.26 )
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: 0.42
Current: 0.26
0.18
0.42
Forward Dividend Yield 4.50
NAVI's Forward Dividend Yield is ranked higher than
67% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 3.07 vs. NAVI: 4.50 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.53
NAVI's Yield on cost (5-Year) is ranked higher than
57% of the 295 Companies
in the Global Credit Services industry.

( Industry Median: 1.28 vs. NAVI: 4.53 )
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: 3.36 Max: 7.11
Current: 4.53
0.84
7.11

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.56
NAVI's Price/Tangible Book is ranked lower than
58% of the 353 Companies
in the Global Credit Services industry.

( Industry Median: 1.34 vs. NAVI: 1.56 )
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: 1.56
1.22
2.27
Earnings Yield (Greenblatt) (%) 1.00
NAVI's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. NAVI: 1.00 )
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
1.4

More Statistics

Revenue (TTM) (Mil) $2,739
EPS (TTM) $ 2.32
Short Percentage of Float7.61%
52-Week Range $8.20 - 16.45
Shares Outstanding (Mil)317.03

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.89 2.00
EPS w/o NRI ($) 1.89 2.00
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.64 0.64
» More Articles for NAS:NAVI

Headlines

Articles On GuruFocus.com
American Airlines Among Stocks Trading With Low P/E Feb 25 2016 
Kahn Brothers Reduces Stake in Old Republic International Aug 05 2015 
Kahn Brothers' Most Weighted Trades in Q2 2015 Jul 30 2015 
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 Corp. :NAVI-US: Earnings Analysis: Q2, 2016 By the Numbers : July 26, 2016 Jul 26 2016
NAVIENT CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jul 25 2016
NAVIENT CORP Files SEC form 10-Q, Quarterly Report Jul 25 2016
Navient downgraded by Goldman Jul 21 2016
Edited Transcript of NAVI earnings conference call or presentation 20-Jul-16 12:00pm GMT Jul 20 2016
Navient (NAVI) Beats Q2 Earnings on Reduced Provisions Jul 20 2016
Navient posts 2Q profit Jul 19 2016
Navient posts 2Q profit Jul 19 2016
NAVIENT CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Jul 19 2016
Navient posts second quarter 2016 results Jul 19 2016
Q2 2016 Navient Corp Earnings Release - After Market Close Jul 19 2016
Consumer Loan Stocks' Q2 Earnings Preview: NAVI, DFS Jul 18 2016
Navient (NAVI) to Report Q2 Earnings: What to Expect? Jul 18 2016
Navient Corp. breached its 50 day moving average in a Bullish Manner : NAVI-US : July 11, 2016 Jul 11 2016
Navient to announce second quarter 2016 results on July 19, host earnings call on July 20 Jul 06 2016
ETF’s with exposure to Navient Corp. : June 27, 2016 Jun 27 2016
Navient Corp. :NAVI-US: Earnings Analysis: Q1, 2016 By the Numbers : June 24, 2016 Jun 24 2016
Navient announces extension of legal final maturity dates of FFELP ABS, bringing total bonds... Jun 13 2016
Navient announces extension of legal final maturity dates of FFELP ABS, bringing total bonds... Jun 13 2016
Navient Corp. breached its 50 day moving average in a Bearish Manner : NAVI-US : June 13, 2016 Jun 13 2016

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