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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 0.02
NAVI's Cash to Debt is ranked lower than
95% of the 364 Companies
in the Global Credit Services industry.

( Industry Median: 0.56 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: 0.02 Max: N/A
Current: 0.02
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: 0.46 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 0.57
NAVI's Interest Coverage is ranked lower than
87% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 7.42 vs. NAVI: 0.57 )
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: 0.57
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 (%) 48.35
NAVI's Operating margin (%) is ranked higher than
79% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 19.21 vs. NAVI: 48.35 )
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: 48.35
41.63
51.49
Net-margin (%) 30.13
NAVI's Net-margin (%) is ranked higher than
74% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 13.17 vs. NAVI: 30.13 )
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: 30.13
27.2
34.99
ROE (%) 21.56
NAVI's ROE (%) is ranked higher than
87% of the 369 Companies
in the Global Credit Services industry.

( Industry Median: 6.65 vs. NAVI: 21.56 )
Ranked among companies with meaningful ROE (%) only.
NAVI' s ROE (%) Range Over the Past 10 Years
Min: 21.56  Med: 24.4 Max: 49.6
Current: 21.56
21.56
49.6
ROA (%) 0.63
NAVI's ROA (%) is ranked lower than
67% of the 380 Companies
in the Global Credit Services industry.

( Industry Median: 2.33 vs. NAVI: 0.63 )
Ranked among companies with meaningful ROA (%) only.
NAVI' s ROA (%) Range Over the Past 10 Years
Min: 0.63  Med: 0.75 Max: 1.78
Current: 0.63
0.63
1.78
GuruFocus has detected 4 Warning Signs with Navient Corp $NAVI.
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» NAVI's 10-Y Financials

Financials


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

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522390    SIC: 6141
Compare:OTCPK:EDNMY, NAS:SLM, OTCPK:FPLPY, NAS:CACC, OTCPK:ELEEF, OTCPK:ACMUY, NYSE:OMF, NYSE:LC, NYSE:FCFS, NYSE:NNI, NAS:HAWK, NYSE:GDOT, NYSE:YRD, OTCPK:ECNCF, NAS:FSC, NYSE:TCAP, NYSE:PHH, NAS:QIWI, OTCPK:AUTCF, NAS:MGI » 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) 6.66
NAVI's P/E(ttm) is ranked higher than
86% of the 281 Companies
in the Global Credit Services industry.

( Industry Median: 14.99 vs. NAVI: 6.66 )
Ranked among companies with meaningful P/E(ttm) only.
NAVI' s P/E(ttm) Range Over the Past 10 Years
Min: 3.46  Med: 6.38 Max: 8.32
Current: 6.66
3.46
8.32
Forward P/E 8.31
NAVI's Forward P/E is ranked higher than
84% of the 44 Companies
in the Global Credit Services industry.

( Industry Median: 11.85 vs. NAVI: 8.31 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 6.66
NAVI's PE(NRI) is ranked higher than
86% of the 286 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. NAVI: 6.66 )
Ranked among companies with meaningful PE(NRI) only.
NAVI' s PE(NRI) Range Over the Past 10 Years
Min: 3.46  Med: 6.43 Max: 8.4
Current: 6.66
3.46
8.4
P/B 1.32
NAVI's P/B is ranked lower than
55% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 1.21 vs. NAVI: 1.32 )
Ranked among companies with meaningful P/B only.
NAVI' s P/B Range Over the Past 10 Years
Min: 0.79  Med: 1.37 Max: 2.14
Current: 1.32
0.79
2.14
P/S 2.01
NAVI's P/S is ranked higher than
72% of the 341 Companies
in the Global Credit Services industry.

( Industry Median: 3.73 vs. NAVI: 2.01 )
Ranked among companies with meaningful P/S only.
NAVI' s P/S Range Over the Past 10 Years
Min: 1.12  Med: 2.03 Max: 2.68
Current: 2.01
1.12
2.68
PFCF 3.52
NAVI's PFCF is ranked higher than
77% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 7.80 vs. NAVI: 3.52 )
Ranked among companies with meaningful PFCF only.
NAVI' s PFCF Range Over the Past 10 Years
Min: 1.83  Med: 3.51 Max: 5.77
Current: 3.52
1.83
5.77
POCF 3.52
NAVI's POCF is ranked higher than
79% of the 107 Companies
in the Global Credit Services industry.

( Industry Median: 8.93 vs. NAVI: 3.52 )
Ranked among companies with meaningful POCF only.
NAVI' s POCF Range Over the Past 10 Years
Min: 1.83  Med: 3.51 Max: 5.77
Current: 3.52
1.83
5.77
EV-to-EBIT 92.61
NAVI's EV-to-EBIT is ranked lower than
85% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 17.65 vs. NAVI: 92.61 )
Ranked among companies with meaningful EV-to-EBIT only.
NAVI' s EV-to-EBIT Range Over the Past 10 Years
Min: 72.8  Med: 85.6 Max: 94.9
Current: 92.61
72.8
94.9
EV-to-EBITDA 92.61
NAVI's EV-to-EBITDA is ranked lower than
86% of the 286 Companies
in the Global Credit Services industry.

( Industry Median: 15.33 vs. NAVI: 92.61 )
Ranked among companies with meaningful EV-to-EBITDA only.
NAVI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 72.8  Med: 85.6 Max: 94.9
Current: 92.61
72.8
94.9

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.98
NAVI's Dividend Yield is ranked higher than
65% of the 259 Companies
in the Global Credit Services industry.

( Industry Median: 2.49 vs. NAVI: 3.98 )
Ranked among companies with meaningful Dividend Yield only.
NAVI' s Dividend Yield Range Over the Past 10 Years
Min: 0.84  Med: 3.91 Max: 7.11
Current: 3.98
0.84
7.11
Dividend Payout 0.27
NAVI's Dividend Payout is ranked higher than
69% of the 154 Companies
in the Global Credit Services industry.

( Industry Median: 0.30 vs. NAVI: 0.27 )
Ranked among companies with meaningful Dividend Payout only.
NAVI' s Dividend Payout Range Over the Past 10 Years
Min: 0.17  Med: 0.21 Max: 0.27
Current: 0.27
0.17
0.27
Forward Dividend Yield 4.02
NAVI's Forward Dividend Yield is ranked higher than
64% of the 253 Companies
in the Global Credit Services industry.

( Industry Median: 2.76 vs. NAVI: 4.02 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.01
NAVI's Yield on cost (5-Year) is ranked higher than
55% of the 321 Companies
in the Global Credit Services industry.

( Industry Median: 3.29 vs. NAVI: 4.01 )
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: 3.91 Max: 7.11
Current: 4.01
0.84
7.11

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.61
NAVI's Price/Tangible Book is ranked lower than
58% of the 346 Companies
in the Global Credit Services industry.

( Industry Median: 1.27 vs. NAVI: 1.61 )
Ranked among companies with meaningful Price/Tangible Book only.
NAVI' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.22  Med: 1.69 Max: 2.27
Current: 1.61
1.22
2.27
Price/Median PS Value 1.00
NAVI's Price/Median PS Value is ranked higher than
50% of the 308 Companies
in the Global Credit Services industry.

( Industry Median: 0.98 vs. NAVI: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
NAVI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.7  Med: 0.97 Max: 1.28
Current: 1
0.7
1.28
Price/Graham Number 0.69
NAVI's Price/Graham Number is ranked higher than
70% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 0.98 vs. NAVI: 0.69 )
Ranked among companies with meaningful Price/Graham Number only.
NAVI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.49  Med: 0.7 Max: 0.9
Current: 0.69
0.49
0.9
Earnings Yield (Greenblatt) (%) 1.10
NAVI's Earnings Yield (Greenblatt) (%) is ranked lower than
67% of the 358 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. NAVI: 1.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NAVI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.1  Med: 1.2 Max: 1.4
Current: 1.1
1.1
1.4

More Statistics

Revenue (TTM) (Mil) $2,728
EPS (TTM) $ 2.42
Short Percentage of Float6.02%
52-Week Range $8.20 - 17.95
Shares Outstanding (Mil)303.10

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 2,303 2,125 2,006
EPS ($) 1.84 1.92 2.03
EPS w/o NRI ($) 1.84 1.92 2.03
EPS Growth Rate
(3Y to 5Y Estimate)
8.00%
Dividends Per Share ($) 0.64 0.64 0.64
» More Articles for NAVI

Headlines

Articles On GuruFocus.com
10 Best Dividend Paying Stocks for the Enterprising Investor Jan 11 2017 
10 Best Dividend Paying Stocks for the Enterprising Investor Dec 16 2016 
10 Low P/E Picks for the Enterprising Investor Dec 05 2016 
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 

More From Other Websites
What The Navient Lawsuit Means For Your Student Loans: Part 2 Jan 24 2017
Q4 2016 Navient Corp Earnings Release - After Market Close Jan 24 2017
Faruqi & Faruqi, LLP is Investigating Navient Corporation (NAVI) on Behalf of its Shareholders Jan 23 2017
Consumer Loan Stocks' Q4 Earnings on Jan 24: COF, DFS, NAVI Jan 23 2017
Navient (NAVI) to Report Q4 Earnings: What's in the Cards? Jan 23 2017
Investors are cheering student loan stocks ahead of President Trump Jan 21 2017
What The Navient Lawsuit Means For Your Student Loans Jan 20 2017
Feds suing Delaware-based student loan company Navient Jan 19 2017
Economic Data Remains Strong as Markets Struggle Jan 19 2017
Navient Hit with Suits Tied to Student Loan Misconduct Jan 19 2017
Sallie Mae (SLM) Q4 Earnings in Line; 2017 View Upbeat Jan 19 2017
NAVIENT CORP Files SEC form 8-K/A, Other Events, Financial Statements and Exhibits Jan 19 2017
Feds sue student loan giant Navient Jan 19 2017
[$$] CFPB Sues Navient Over Student Loan-Servicing Practices Jan 19 2017
[$$] CFPB Sues Navient Over Student Loan-Servicing Practices Jan 18 2017
U.S. sues student loan giant Navient, says it 'failed' borrowers Jan 18 2017
Consumer agency sues Navient over student loan repayments Jan 18 2017
Consumer agency sues Navient over student loan repayments Jan 18 2017
NAVIENT CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 18 2017
Navient says politically driven lawsuit from Illinois Attorney General is unfounded Jan 18 2017

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