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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.02
NAVI's Cash-to-Debt is ranked lower than
99% of the 388 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. NAVI: 0.02 )
Ranked among companies with meaningful Cash-to-Debt only.
NAVI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.01 Max: N/A
Current: 0.02
Equity-to-Asset 0.03
NAVI's Equity-to-Asset is ranked lower than
98% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 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 0.38
NAVI's Interest Coverage is ranked lower than
90% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 6.94 vs. NAVI: 0.38 )
Ranked among companies with meaningful Interest Coverage only.
NAVI' s Interest Coverage Range Over the Past 10 Years
Min: 0.38  Med: 0.77 Max: 0.94
Current: 0.38
0.38
0.94
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 % 40.76
NAVI's Operating Margin % is ranked higher than
76% of the 385 Companies
in the Global Credit Services industry.

( Industry Median: 18.30 vs. NAVI: 40.76 )
Ranked among companies with meaningful Operating Margin % only.
NAVI' s Operating Margin % Range Over the Past 10 Years
Min: 40.76  Med: 51.23 Max: 51.49
Current: 40.76
40.76
51.49
Net Margin % 24.85
NAVI's Net Margin % is ranked higher than
73% of the 386 Companies
in the Global Credit Services industry.

( Industry Median: 12.51 vs. NAVI: 24.85 )
Ranked among companies with meaningful Net Margin % only.
NAVI' s Net Margin % Range Over the Past 10 Years
Min: 24.85  Med: 31.92 Max: 34.99
Current: 24.85
24.85
34.99
ROE % 15.88
NAVI's ROE % is ranked higher than
80% of the 389 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. NAVI: 15.88 )
Ranked among companies with meaningful ROE % only.
NAVI' s ROE % Range Over the Past 10 Years
Min: 15.88  Med: 23.82 Max: 49.6
Current: 15.88
15.88
49.6
ROA % 0.47
NAVI's ROA % is ranked lower than
69% of the 398 Companies
in the Global Credit Services industry.

( Industry Median: 2.38 vs. NAVI: 0.47 )
Ranked among companies with meaningful ROA % only.
NAVI' s ROA % Range Over the Past 10 Years
Min: 0.47  Med: 0.73 Max: 1.78
Current: 0.47
0.47
1.78
GuruFocus has detected 2 Warning Signs with Navient Corp $NAVI.
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» NAVI's 10-Y Financials

Financials


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Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522390    SIC: 6141
Compare:NAS:CACC, NAS:SLM, OTCPK:ELEEF, OTCPK:FPLPY, OTCPK:EDNMY, NYSE:OMF, NYSE:FCFS, NAS:HAWK, NYSE:LC, NYSE:NNI, NYSE:GDOT, NAS:PRAA, NYSE:YRD, OTCPK:ECNCF, NAS:QIWI, NAS:MGI, OTCPK:AUTCF, NYSE:TCAP, OTCPK:CCAOF, NAS:FSC » details
Traded in other countries:10D.Germany,
Headquarter Location:USA
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: FFELP Loans, Private Education Loans and Business Services. FFELP Loans segment consists of FFELP Loan portfolio and the underlying debt and capital funding the loans. Private Education Loans Segment is a primary bridge the gap between the cost of higher education and the amount funded through financial aid, federal loans. or students' and families' resources.

Top Ranked Articles about Navient Corp

Navient posts first quarter 2017 financial results
Navient will acquire approximately $6.9 billion in education loan assets from JPMorgan Chase
Lawsuit for Investors in Navient Corp (NASDAQ:NAVI) announced by Shareholders Foundation
Navient receives Financial Capability Innovation Award from EverFi at Nasdaq MarketSite
Navient declares second quarter common stock dividend
Navient appoints David Yowan to Board of Directors
Navient to announce first-quarter 2017 results on April 18, host earnings call on April 19
 Navient highlights student borrower tools for Financial Literacy Month
Registration opens for Navient’s second Ladders & Laces 5K Run/Walk on April 23 to support Hanover Township Fire Department
WILKES-BARRE, Pa., March 24, 2017 (GLOBE NEWSWIRE) -- Spring is finally here, meaning warmer weather is just around the corner. Now is the time to slip on those sneakers, step outside and start training for Navient’s second Ladders & Laces 5K race on Sunday, April 23, to support the construction of a new firehouse for the Hanover Township Fire Department.
“We are delighted to be able to host the Ladders & Laces 5K race again to show our gratitude to the Hanover Township Fire Department,” said Lisa Stashik, vice president, Navient. “We appreciate the hardworking firefighters in our area and look forward to seeing many new and familiar faces in our community on race day.”Navient employees will also raise additional funds for the Hanover Township Fire Department through the company’s popular Jeans BeCause Program, which offers participating employees a "pass" to dress casually on certain days for volunteer donations.Advance registration is available with a $25 fee. Shirts will be guaranteed to all participants who are pre-registered by April 1. Trophies will be awarded to first, second and third place male and female winners, along with medals for the top three male and female winners in each age bracket. The event will be held rain or shine.The 3.1-mile race will be held at 220 Lasley Ave., Hanover Township, Pa. Registration will open at 7 a.m. and the race will begin at 9 a.m.Coupled with the company’s Jeans BeCause program, last year’s race raised $12,000 for the Hanover Township Fire Department.Those interested may also visit the Ladders & Laces 5K event page at Facebook.com/Navient for more information on how to register.Connect with @Navient on Facebook, Twitter, LinkedIn and Medium.About Navient
Navient (NASDAQ:NAVI) is a Fortune 500 company that provides asset management and business processing solutions to education, healthcare, and government clients at the federal, state, and local levels. The company helps its clients and millions of Americans achieve financial success through services and support. Headquartered in Wilmington, Del., Navient employs team members in western New York, northeastern Pennsylvania, Indiana, Tennessee, Texas, Virginia, and other locations. Learn more at navient.com.
Contact:

Media: Nick LaMastra, 302-283-2964, [email protected]

Read more...
Pioneer Credit Recovery hits the road for Western New York hiring tour

Mobile job fair to make 8 pit stops in Belfast, Ellicottville, Geneseo, Attica, Franklinville, Dansville, East Aurora, Batavia, NY, locations

PERRY, N.Y. and ARCADE, N.Y., March 22, 2017 (GLOBE NEWSWIRE) -- Pioneer Credit Recovery announced today that it will host hiring events in eight towns in Western New York from March 27-31. The recruitment events come as Pioneer Credit Recovery plans to hire 60 full-time employees by the end of May.
Recruiters will visit communities near the company’s Perry and Arcade centers to give area residents the opportunity to meet, ask questions and learn more about the company and the job. “We are excited to hit the road to visit our neighboring communities and meet many new people,” said Jeff Mersmann, president, Pioneer Credit Recovery. “We look forward to sharing more about the great opportunities at our company and learning more about the talents of our Western New York residents.” Job responsibilities for call center positions include performing outreach activities to consumers to resolve past-due accounts with a high degree of customer service and satisfaction. Training will be provided in a supportive environment. Ideal candidates should have strong customer service experience, basic computer skills and a high school diploma or equivalent. Interested applicants are encouraged to apply online at jobs.navient.com. Recruiters will provide comprehensive information on the new positions. The full list of times and locations are as follows: Monday, March 27
Belfast: Belfast Town Hall, 13 Merton Ave., Belfast, 11 a.m. - 2 p.m. Tuesday, March 28
Ellicottville: Ellicottville Memorial Library, 6499 Maples Rd., Ellicottville, 11 a.m. - 2 p.m.
Geneseo: Goodwill Community Center, 4119 Lakeville Rd., Geneseo, 1 p.m. - 4 p.m. Wednesday, March 29
Attica: Attica Library, 146 Main St. Attica, 12 p.m. - 3 p.m. Thursday, March 30
Franklinville: Franklinville Library, 5 North Main St., Franklinville, 11 a.m. - 2 p.m.
Dansville: Dansville Library, 200 Main St. Dansville, 1 p.m. - 4 p.m. Friday, March 31
East Aurora: East Aurora Town Hall, 300 Gleed Ave., East Aurora, 10 a.m. - 1 p.m.
Batavia: Genesee County Career Center, 587 East Main St., Batavia, 9 a.m. - 12 p.m. The company offers a benefits package to include competitive wages, incentive programs, paid holidays and vacation, a 401(k) plan as well as health, dental, and life insurance. Pioneer Credit Recovery is among the top-performing asset recovery companies in the country. Employees provide excellent service to state and federal clients as they counsel consumers on successful payment options. Connect with @Navient on Facebook, Twitter, LinkedIn and Medium. About Pioneer Credit Recovery
Founded in 1980, Pioneer Credit Recovery, Inc., is a national leader in asset recovery and business processing. Headquartered in Western New York, Pioneer Credit Recovery provides government and institutional clients with quality results, compassionate and compliant customer service, leadership, and technology to meet their financial goals. Pioneer Credit Recovery is a subsidiary of Navient, a Fortune 500 company that provides asset management and business processing services to education, healthcare, and government clients at the federal, state, and local levels.
Contact:

Media: Nick LaMastra, 302-283-2964, [email protected]

Read more...

Ratios

vs
industry
vs
history
PE Ratio 8.31
NAVI's PE Ratio is ranked higher than
85% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 14.53 vs. NAVI: 8.31 )
Ranked among companies with meaningful PE Ratio only.
NAVI' s PE Ratio Range Over the Past 10 Years
Min: 3.5  Med: 6.67 Max: 8.41
Current: 8.31
3.5
8.41
Forward PE Ratio 8.82
NAVI's Forward PE Ratio is ranked higher than
88% of the 89 Companies
in the Global Credit Services industry.

( Industry Median: 12.74 vs. NAVI: 8.82 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 8.35
NAVI's PE Ratio without NRI is ranked higher than
85% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 14.95 vs. NAVI: 8.35 )
Ranked among companies with meaningful PE Ratio without NRI only.
NAVI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.52  Med: 6.8 Max: 8.41
Current: 8.35
3.52
8.41
PB Ratio 1.28
NAVI's PB Ratio is ranked higher than
52% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. NAVI: 1.28 )
Ranked among companies with meaningful PB Ratio only.
NAVI' s PB Ratio Range Over the Past 10 Years
Min: 0.79  Med: 1.29 Max: 2.14
Current: 1.28
0.79
2.14
PS Ratio 2.04
NAVI's PS Ratio is ranked higher than
70% of the 368 Companies
in the Global Credit Services industry.

( Industry Median: 3.45 vs. NAVI: 2.04 )
Ranked among companies with meaningful PS Ratio only.
NAVI' s PS Ratio Range Over the Past 10 Years
Min: 1.12  Med: 1.99 Max: 2.68
Current: 2.04
1.12
2.68
Price-to-Free-Cash-Flow 3.81
NAVI's Price-to-Free-Cash-Flow is ranked higher than
74% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. NAVI: 3.81 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NAVI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.83  Med: 3.54 Max: 5.77
Current: 3.81
1.83
5.77
Price-to-Operating-Cash-Flow 3.81
NAVI's Price-to-Operating-Cash-Flow is ranked higher than
73% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 8.02 vs. NAVI: 3.81 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NAVI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.83  Med: 3.54 Max: 5.77
Current: 3.81
1.83
5.77
EV-to-EBIT 121.82
NAVI's EV-to-EBIT is ranked lower than
93% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 16.65 vs. NAVI: 121.82 )
Ranked among companies with meaningful EV-to-EBIT only.
NAVI' s EV-to-EBIT Range Over the Past 10 Years
Min: 72.8  Med: 85.9 Max: 121.82
Current: 121.82
72.8
121.82
EV-to-EBITDA 121.82
NAVI's EV-to-EBITDA is ranked lower than
93% of the 384 Companies
in the Global Credit Services industry.

( Industry Median: 13.89 vs. NAVI: 121.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
NAVI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 72.8  Med: 85.9 Max: 121.82
Current: 121.82
72.8
121.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.06
NAVI's Dividend Yield % is ranked higher than
70% of the 286 Companies
in the Global Credit Services industry.

( Industry Median: 2.72 vs. NAVI: 4.06 )
Ranked among companies with meaningful Dividend Yield % only.
NAVI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.84  Med: 4.13 Max: 7.11
Current: 4.06
0.84
7.11
Dividend Payout Ratio 0.30
NAVI's Dividend Payout Ratio is ranked higher than
61% of the 167 Companies
in the Global Credit Services industry.

( Industry Median: 0.32 vs. NAVI: 0.30 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NAVI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.25 Max: 0.3
Current: 0.3
0.17
0.3
Forward Dividend Yield % 4.06
NAVI's Forward Dividend Yield % is ranked higher than
67% of the 279 Companies
in the Global Credit Services industry.

( Industry Median: 2.96 vs. NAVI: 4.06 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.06
NAVI's 5-Year Yield-on-Cost % is ranked higher than
59% of the 359 Companies
in the Global Credit Services industry.

( Industry Median: 3.18 vs. NAVI: 4.06 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NAVI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.84  Med: 4.13 Max: 7.11
Current: 4.06
0.84
7.11

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.57
NAVI's Price-to-Tangible-Book is ranked lower than
55% of the 365 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. NAVI: 1.57 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NAVI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.22  Med: 1.64 Max: 2.27
Current: 1.57
1.22
2.27
Price-to-Median-PS-Value 1.03
NAVI's Price-to-Median-PS-Value is ranked higher than
55% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. NAVI: 1.03 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NAVI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.71  Med: 1.07 Max: 1.3
Current: 1.03
0.71
1.3
Price-to-Graham-Number 0.72
NAVI's Price-to-Graham-Number is ranked higher than
70% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 0.93 vs. NAVI: 0.72 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NAVI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.49  Med: 0.75 Max: 0.9
Current: 0.72
0.49
0.9
Earnings Yield (Greenblatt) % 0.82
NAVI's Earnings Yield (Greenblatt) % is ranked lower than
75% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 4.64 vs. NAVI: 0.82 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NAVI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.82  Med: 1.2 Max: 1.4
Current: 0.82
0.82
1.4

More Statistics

Revenue (TTM) (Mil) $2,370
EPS (TTM) $ 1.90
Short Percentage of Float3.86%
52-Week Range $11.01 - 17.95
Shares Outstanding (Mil)285.00

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 2,058 2,004
EPS ($) 1.82 1.96 1.83
EPS without NRI ($) 1.82 1.96 1.83
EPS Growth Rate
(Future 3Y To 5Y Estimate)
8.00%
Dividends per Share ($) 0.64 0.64
» More Articles for NAVI

Headlines

Articles On GuruFocus.com
Navient posts first quarter 2017 financial results Apr 18 2017 
Navient will acquire approximately $6.9 billion in education loan assets from JPMorgan Chase Apr 18 2017 
Lawsuit for Investors in Navient Corp (NASDAQ:NAVI) announced by Shareholders Foundation Apr 17 2017 
Navient receives Financial Capability Innovation Award from EverFi at Nasdaq MarketSite Apr 12 2017 
Navient declares second quarter common stock dividend Apr 05 2017 
Navient appoints David Yowan to Board of Directors Apr 04 2017 
Navient to announce first-quarter 2017 results on April 18, host earnings call on April 19 Apr 04 2017 
 Navient highlights student borrower tools for Financial Literacy Month Apr 03 2017 
Registration opens for Navient’s second Ladders & Laces 5K Run/Walk on April 23 to support Han Mar 24 2017 
Pioneer Credit Recovery hits the road for Western New York hiring tour Mar 22 2017 

More From Other Websites
Edited Transcript of NAVI earnings conference call or presentation 19-Apr-17 12:00pm GMT Apr 21 2017
Should DeVos Block an Embattled Student Loan Giant's Attempt to Expand? Apr 21 2017
Energy, biotech, financials & more in the trader blitz Apr 19 2017
America’s student loan giant Navient is about to get even bigger Apr 19 2017
Navient (NAVI) Q1 Earnings Lag on Lower Net Interest Income Apr 19 2017
Navient to buy big bank's $6.9B student loan portfolio Apr 19 2017
JPMorgan to Sell $6.9 Bn Student Loan Asset to Navient Apr 19 2017
Navient misses Street 1Q forecasts Apr 18 2017
Navient posts first quarter 2017 financial results Apr 18 2017
JPMorgan to Sell $6.9 Billion of Student Loans to Navient Apr 18 2017
Navient will acquire approximately $6.9 billion in education loan assets from JPMorgan Chase Apr 18 2017
Navient Corp. breached its 50 day moving average in a Bullish Manner : NAVI-US : April 18, 2017 Apr 18 2017
Lawsuit for Investors in Navient Corp (NASDAQ:NAVI) announced by Shareholders Foundation Apr 17 2017
Is a Beat in Store for Navient (NAVI) in Q1 Earnings? Apr 17 2017
As Protections for Borrowers Fall, What to Do If You Face Trouble Repaying a Student Loan Apr 14 2017
Will Trump's Efforts To Weaken Consumer Protection Agency Allow Student Loan Services To Run Amok? Apr 13 2017
Navient Private Education Loan Trust 2016-A -- Moody's upgrades 6 tranches in SLM and Navient... Apr 12 2017
Navient receives Financial Capability Innovation Award from EverFi at Nasdaq MarketSite Apr 12 2017
Don't Expect Much Color On Government Lawsuits When Navient Reports Q1 Results Apr 12 2017
Education Secretary DeVos Withdraws Protections for Student Loan Borrowers Apr 11 2017

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