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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
99% of the 371 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: 0.01 Max: N/A
Current: 0.01
Equity-to-Asset 0.03
NAVI's Equity-to-Asset is ranked lower than
98% of the 349 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 0.45
NAVI's Interest Coverage is ranked lower than
89% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 6.77 vs. NAVI: 0.45 )
Ranked among companies with meaningful Interest Coverage only.
NAVI' s Interest Coverage Range Over the Past 10 Years
Min: 0.45  Med: 0.76 Max: 0.94
Current: 0.45
0.45
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 : 5/10

vs
industry
vs
history
Operating Margin % 43.94
NAVI's Operating Margin % is ranked higher than
78% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 17.59 vs. NAVI: 43.94 )
Ranked among companies with meaningful Operating Margin % only.
NAVI' s Operating Margin % Range Over the Past 10 Years
Min: 41.63  Med: 50.59 Max: 51.49
Current: 43.94
41.63
51.49
Net Margin % 27.02
NAVI's Net Margin % is ranked higher than
74% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 11.84 vs. NAVI: 27.02 )
Ranked among companies with meaningful Net Margin % only.
NAVI' s Net Margin % Range Over the Past 10 Years
Min: 26.98  Med: 31.51 Max: 34.99
Current: 27.02
26.98
34.99
ROE % 18.13
NAVI's ROE % is ranked higher than
81% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 6.48 vs. NAVI: 18.13 )
Ranked among companies with meaningful ROE % only.
NAVI' s ROE % Range Over the Past 10 Years
Min: 17.9  Med: 23.64 Max: 49.6
Current: 18.13
17.9
49.6
ROA % 0.53
NAVI's ROA % is ranked lower than
67% of the 381 Companies
in the Global Credit Services industry.

( Industry Median: 2.22 vs. NAVI: 0.53 )
Ranked among companies with meaningful ROA % only.
NAVI' s ROA % Range Over the Past 10 Years
Min: 0.53  Med: 0.72 Max: 1.78
Current: 0.53
0.53
1.78
GuruFocus has detected 1 Warning Sign with Navient Corp $NAVI.
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» NAVI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2016
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Business Description

Industry: Credit Services » Credit Services    NAICS: 522390    SIC: 6141
Compare: » 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: 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.

Ratios

vs
industry
vs
history
PE Ratio 6.57
NAVI's PE Ratio is ranked higher than
90% of the 410 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. NAVI: 6.57 )
Ranked among companies with meaningful PE Ratio only.
NAVI' s PE Ratio Range Over the Past 10 Years
Min: 3.5  Med: 6.65 Max: 8.41
Current: 6.57
3.5
8.41
Forward PE Ratio 7.71
NAVI's Forward PE Ratio is ranked higher than
83% of the 71 Companies
in the Global Credit Services industry.

( Industry Median: 12.05 vs. NAVI: 7.71 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 6.60
NAVI's PE Ratio without NRI is ranked higher than
88% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 15.39 vs. NAVI: 6.60 )
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: 6.69 Max: 8.41
Current: 6.6
3.52
8.41
PB Ratio 1.15
NAVI's PB Ratio is ranked higher than
56% of the 441 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. NAVI: 1.15 )
Ranked among companies with meaningful PB Ratio only.
NAVI' s PB Ratio Range Over the Past 10 Years
Min: 0.8  Med: 1.32 Max: 2.14
Current: 1.15
0.8
2.14
PS Ratio 1.81
NAVI's PS Ratio is ranked higher than
72% of the 439 Companies
in the Global Credit Services industry.

( Industry Median: 3.24 vs. NAVI: 1.81 )
Ranked among companies with meaningful PS Ratio only.
NAVI' s PS Ratio Range Over the Past 10 Years
Min: 1.12  Med: 2 Max: 2.68
Current: 1.81
1.12
2.68
Price-to-Free-Cash-Flow 3.38
NAVI's Price-to-Free-Cash-Flow is ranked higher than
78% of the 117 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. NAVI: 3.38 )
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: 3.52 Max: 5.77
Current: 3.38
1.83
5.77
Price-to-Operating-Cash-Flow 3.38
NAVI's Price-to-Operating-Cash-Flow is ranked higher than
78% of the 148 Companies
in the Global Credit Services industry.

( Industry Median: 9.08 vs. NAVI: 3.38 )
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: 3.52 Max: 5.77
Current: 3.38
1.83
5.77
EV-to-EBIT 105.99
NAVI's EV-to-EBIT is ranked lower than
92% of the 420 Companies
in the Global Credit Services industry.

( Industry Median: 18.27 vs. NAVI: 105.99 )
Ranked among companies with meaningful EV-to-EBIT only.
NAVI' s EV-to-EBIT Range Over the Past 10 Years
Min: 73.5  Med: 86.8 Max: 107.3
Current: 105.99
73.5
107.3
EV-to-EBITDA 105.99
NAVI's EV-to-EBITDA is ranked lower than
93% of the 429 Companies
in the Global Credit Services industry.

( Industry Median: 14.96 vs. NAVI: 105.99 )
Ranked among companies with meaningful EV-to-EBITDA only.
NAVI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 73.5  Med: 86.8 Max: 107.3
Current: 105.99
73.5
107.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.57
NAVI's Dividend Yield % is ranked higher than
70% of the 276 Companies
in the Global Credit Services industry.

( Industry Median: 2.58 vs. NAVI: 4.57 )
Ranked among companies with meaningful Dividend Yield % only.
NAVI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.84  Med: 4.11 Max: 7.11
Current: 4.57
0.84
7.11
Dividend Payout Ratio 0.30
NAVI's Dividend Payout Ratio is ranked higher than
61% of the 165 Companies
in the Global Credit Services industry.

( Industry Median: 1.25 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 % 4.57
NAVI's Forward Dividend Yield % is ranked higher than
69% of the 277 Companies
in the Global Credit Services industry.

( Industry Median: 2.92 vs. NAVI: 4.57 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.56
NAVI's 5-Year Yield-on-Cost % is ranked higher than
60% of the 350 Companies
in the Global Credit Services industry.

( Industry Median: 3.26 vs. NAVI: 4.56 )
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: 4.11 Max: 7.11
Current: 4.56
0.84
7.11

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.40
NAVI's Price-to-Tangible-Book is ranked higher than
50% of the 416 Companies
in the Global Credit Services industry.

( Industry Median: 1.39 vs. NAVI: 1.40 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NAVI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.25  Med: 1.64 Max: 2.27
Current: 1.4
1.25
2.27
Price-to-Median-PS-Value 0.90
NAVI's Price-to-Median-PS-Value is ranked higher than
61% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 1.02 vs. NAVI: 0.90 )
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: 1.06 Max: 1.3
Current: 0.9
0.71
1.3
Price-to-Graham-Number 0.64
NAVI's Price-to-Graham-Number is ranked higher than
75% of the 304 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. NAVI: 0.64 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NAVI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.5  Med: 0.75 Max: 0.9
Current: 0.64
0.5
0.9
Earnings Yield (Greenblatt) % 0.94
NAVI's Earnings Yield (Greenblatt) % is ranked lower than
79% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 4.45 vs. NAVI: 0.94 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NAVI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.9  Med: 1.2 Max: 1.4
Current: 0.94
0.9
1.4

More Statistics

Revenue (TTM) (Mil) $2,524
EPS (TTM) $ 2.13
Short Percentage of Float3.41%
52-Week Range $11.01 - 17.95
Shares Outstanding (Mil)291.01

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 2,088 2,010
EPS ($) 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
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More From Other Websites
Registration opens for Navient’s second Ladders & Laces 5K Run/Walk on April 23 to support Hanover... Mar 24 2017
Pioneer Credit Recovery hits the road for Western New York hiring tour Mar 22 2017
NAVIENT INVESTIGATION INITIATED by Former Louisiana Attorney General: Kahn Swick & Foti, LLC... Mar 17 2017
NAVIENT CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Creation of a Direct... Mar 17 2017
What The Navient Lawsuit Means For Student Loan Defaults Mar 17 2017
Navient unveils a virtual lab to test ideas that could transform student loan servicing Mar 08 2017
Moody's takes action on 12 tranches from nine FFELP securitizations administered by Navient Mar 07 2017
Amid Severe Decline In AUM, Billionaire Leon Cooperman’s Omega Advisors Shuffles Portfolio Heading... Mar 07 2017
NAVIENT CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Creation of a Direct... Mar 07 2017
NAVIENT INVESTIGATION INITIATED BY FORMER LOUISIANA ATTORNEY GENERAL: Kahn Swick & Foti, LLC... Mar 03 2017
Local employer Pioneer Credit Recovery announces Horseheads job fairs on March 9 and 10 to support... Mar 03 2017
NAVIENT CORP Financials Mar 02 2017
Navient launches career development video series, in partnership with expert James Citrin Mar 01 2017
Local employer announces Wilkes-Barre job fairs on March 1 and 4 to support new contract Feb 27 2017
NAVIENT CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Feb 27 2017
NAVIENT CORP Files SEC form 10-K, Annual Report Feb 24 2017
Nation's largest student loan manager hires new CFO Feb 22 2017
NAVIENT CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial Statements and... Feb 21 2017
Navient appoints chief financial officer and chief decision management officer Feb 21 2017
SLM Corp (SLM) Up 8.8% Since Earnings Report: Can It Continue? Feb 20 2017

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