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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.01
NAVI's Cash to Debt is ranked lower than
100% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 6.06 vs. NAVI: 0.01 )
Ranked among companies with meaningful Cash to Debt only.
NAVI' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.03 Max: N/A
Current: 0.01
Equity to Asset 0.03
NAVI's Equity to Asset is ranked lower than
97% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 0.37 vs. NAVI: 0.03 )
Ranked among companies with meaningful Equity to Asset only.
NAVI' s 10-Year Equity to Asset Range
Min: 0.03  Med: 0.03 Max: 0.04
Current: 0.03
0.03
0.04
Interest Coverage 0.89
NAVI's Interest Coverage is ranked lower than
89% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 16.15 vs. NAVI: 0.89 )
Ranked among companies with meaningful Interest Coverage only.
NAVI' s 10-Year Interest Coverage Range
Min: 0.56  Med: 0.89 Max: 0.94
Current: 0.89
0.56
0.94
WACC vs ROIC
0.93%
0.79%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 53.35
NAVI's Operating margin (%) is ranked higher than
83% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 20.53 vs. NAVI: 53.35 )
Ranked among companies with meaningful Operating margin (%) only.
NAVI' s 10-Year Operating margin (%) Range
Min: 41.63  Med: 51.40 Max: 51.49
Current: 53.35
41.63
51.49
Net-margin (%) 33.45
NAVI's Net-margin (%) is ranked higher than
74% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 17.41 vs. NAVI: 33.45 )
Ranked among companies with meaningful Net-margin (%) only.
NAVI' s 10-Year Net-margin (%) Range
Min: 27.2  Med: 32.15 Max: 34.99
Current: 33.45
27.2
34.99
ROE (%) 26.90
NAVI's ROE (%) is ranked higher than
84% of the 267 Companies
in the Global Credit Services industry.

( Industry Median: 8.63 vs. NAVI: 26.90 )
Ranked among companies with meaningful ROE (%) only.
NAVI' s 10-Year ROE (%) Range
Min: 23.24  Med: 36.42 Max: 49.6
Current: 26.9
23.24
49.6
ROA (%) 0.77
NAVI's ROA (%) is ranked lower than
71% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 2.98 vs. NAVI: 0.77 )
Ranked among companies with meaningful ROA (%) only.
NAVI' s 10-Year ROA (%) Range
Min: 0.75  Med: 1.27 Max: 1.78
Current: 0.77
0.75
1.78
» NAVI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014
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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

Kahn Brothers Reduces Stake in Old Republic International
Nearly 40 years ago, Irving Kahn and his brothers, Alan and Thomas, founded Kahn Brothers (Trades, Portfolio), a firm that invests mostly in undervalued and often unpopular securities. Irving Kahn died earlier this year at the age of 109, but the firm survives him, heeding the investment philosophies of Benjamin Graham. Read more...
Prem Watsa Sells 2 Education Loan Companies
During the first quarter, the “Canadian Warren Buffett (Trades, Portfolio)” Prem Watsa (Trades, Portfolio) sold off three of his holdings, two of which are in the education loan industry. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 4.63
NAVI's P/E(ttm) is ranked higher than
93% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. NAVI: 4.63 )
Ranked among companies with meaningful P/E(ttm) only.
NAVI' s 10-Year P/E(ttm) Range
Min: 4.63  Med: 7.09 Max: 8.32
Current: 4.63
4.63
8.32
Forward P/E 6.02
NAVI's Forward P/E is ranked higher than
87% of the 70 Companies
in the Global Credit Services industry.

( Industry Median: 11.04 vs. NAVI: 6.02 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 4.90
NAVI's PE(NRI) is ranked higher than
93% of the 215 Companies
in the Global Credit Services industry.

( Industry Median: 14.90 vs. NAVI: 4.90 )
Ranked among companies with meaningful PE(NRI) only.
NAVI' s 10-Year PE(NRI) Range
Min: 4.87  Med: 7.25 Max: 8.44
Current: 4.9
4.87
8.44
P/B 1.18
NAVI's P/B is ranked lower than
58% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. NAVI: 1.18 )
Ranked among companies with meaningful P/B only.
NAVI' s 10-Year P/B Range
Min: 1.18  Med: 1.85 Max: 2.14
Current: 1.18
1.18
2.14
P/S 1.53
NAVI's P/S is ranked higher than
72% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. NAVI: 1.53 )
Ranked among companies with meaningful P/S only.
NAVI' s 10-Year P/S Range
Min: 1.54  Med: 2.32 Max: 2.67
Current: 1.53
1.54
2.67
POCF 3.09
NAVI's POCF is ranked higher than
76% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 7.73 vs. NAVI: 3.09 )
Ranked among companies with meaningful POCF only.
NAVI' s 10-Year POCF Range
Min: 3.09  Med: 4.24 Max: 5.77
Current: 3.09
3.09
5.77
EV-to-EBIT 77.93
NAVI's EV-to-EBIT is ranked lower than
87% of the 210 Companies
in the Global Credit Services industry.

( Industry Median: 19.08 vs. NAVI: 77.93 )
Ranked among companies with meaningful EV-to-EBIT only.
NAVI' s 10-Year EV-to-EBIT Range
Min: 72.8  Med: 79.60 Max: 90
Current: 77.93
72.8
90

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 5.02
NAVI's Dividend Yield is ranked higher than
76% of the 243 Companies
in the Global Credit Services industry.

( Industry Median: 2.42 vs. NAVI: 5.02 )
Ranked among companies with meaningful Dividend Yield only.
NAVI' s 10-Year Dividend Yield Range
Min: 0.84  Med: 2.11 Max: 5.04
Current: 5.02
0.84
5.04
Dividend Payout 0.23
NAVI's Dividend Payout is ranked higher than
55% of the 136 Companies
in the Global Credit Services industry.

( Industry Median: 0.26 vs. NAVI: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
NAVI' s 10-Year Dividend Payout Range
Min: 0.18  Med: 0.22 Max: 0.34
Current: 0.23
0.18
0.34
Yield on cost (5-Year) 5.04
NAVI's Yield on cost (5-Year) is ranked higher than
62% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 3.48 vs. NAVI: 5.04 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NAVI' s 10-Year Yield on cost (5-Year) Range
Min: 0.84  Med: 2.11 Max: 5.04
Current: 5.04
0.84
5.04

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.37
NAVI's Price/Tangible Book is ranked lower than
60% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 1.11 vs. NAVI: 1.37 )
Ranked among companies with meaningful Price/Tangible Book only.
NAVI' s 10-Year Price/Tangible Book Range
Min: 1.92  Med: 2.04 Max: 2.27
Current: 1.37
1.92
2.27
Price/Median PS Value 0.66
NAVI's Price/Median PS Value is ranked higher than
71% of the 232 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. NAVI: 0.66 )
Ranked among companies with meaningful Price/Median PS Value only.
NAVI' s 10-Year Price/Median PS Value Range
Min: 0.91  Med: 0.97 Max: 1.11
Current: 0.66
0.91
1.11
Price/Graham Number 0.51
NAVI's Price/Graham Number is ranked higher than
71% of the 137 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. NAVI: 0.51 )
Ranked among companies with meaningful Price/Graham Number only.
NAVI' s 10-Year Price/Graham Number Range
Min: 0.75  Med: 0.80 Max: 0.87
Current: 0.51
0.75
0.87
Earnings Yield (Greenblatt) (%) 1.30
NAVI's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. NAVI: 1.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NAVI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.1  Med: 1.30 Max: 1.4
Current: 1.3
1.1
1.4

Analyst Estimate

Dec15 Dec16
EPS($) 1.86 2.05
EPS without NRI($) 1.86 2.05

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. The Company is subject to the state laws and regulations.
» More Articles for NAVI

Headlines

Articles On GuruFocus.com
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 

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Navient Foundation helps charity swing for the fences Aug 27 2015
SHAREHOLDER ALERT: Bronstein, Gewirtz & Grossman, LLC Announces Investigation of Navient Corporation Aug 26 2015
Navient's Legal Woes Continue: CFPB Action Looms Large Aug 26 2015
SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Navient... Aug 25 2015
Navient hits 52-week low on disclosure of possible CFPB action Aug 25 2015
NAVIENT CORP Files SEC form 8-K, Other Events Aug 24 2015
Navient supports getaway for wounded soldiers and their families Aug 17 2015
Navient issues $700 million in Private Education Loan ABS Aug 13 2015
Hedge Fund Seeing College Bubble Bets Against Companies Aug 11 2015
Navient Foundation awards $6,000 to YMCA of Delaware Aug 11 2015
Navient announces call of $216 million in student loan trusts Aug 10 2015
Top Student Loan Servicer Sees No Need for Concern on Bond Risk Aug 10 2015
NAVIENT CORP Financials Aug 08 2015
Navient announces Wilkes-Barre job fair on Aug. 11 Aug 06 2015
Kahn Brothers Reduces Stake in Old Republic International Aug 05 2015
NAVIENT CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Aug 05 2015
NAVIENT CORP Files SEC form 8-K/A, Submission of Matters to a Vote of Security Holders Aug 04 2015
NAVIENT CORP Files SEC form 10-Q, Quarterly Report Aug 03 2015

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