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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
100% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 1.44 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 316 Companies
in the Global Credit Services industry.

( Industry Median: 0.39 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 0.35
NAVI's Interest Coverage is ranked lower than
92% of the 377 Companies
in the Global Credit Services industry.

( Industry Median: 11.69 vs. NAVI: 0.35 )
Ranked among companies with meaningful Interest Coverage only.
NAVI' s Interest Coverage Range Over the Past 10 Years
Min: 0.35  Med: 0.76 Max: 0.94
Current: 0.35
0.35
0.94
WACC vs ROIC
1.76%
0.49%
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 % 39.98
NAVI's Operating Margin % is ranked higher than
71% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 17.78 vs. NAVI: 39.98 )
Ranked among companies with meaningful Operating Margin % only.
NAVI' s Operating Margin % Range Over the Past 10 Years
Min: 39.98  Med: 50.59 Max: 51.49
Current: 39.98
39.98
51.49
Net Margin % 24.71
NAVI's Net Margin % is ranked higher than
67% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 12.96 vs. NAVI: 24.71 )
Ranked among companies with meaningful Net Margin % only.
NAVI' s Net Margin % Range Over the Past 10 Years
Min: 24.71  Med: 31.51 Max: 34.99
Current: 24.71
24.71
34.99
ROE % 15.76
NAVI's ROE % is ranked higher than
72% of the 404 Companies
in the Global Credit Services industry.

( Industry Median: 8.10 vs. NAVI: 15.76 )
Ranked among companies with meaningful ROE % only.
NAVI' s ROE % Range Over the Past 10 Years
Min: 15.76  Med: 23.64 Max: 49.6
Current: 15.76
15.76
49.6
ROA % 0.47
NAVI's ROA % is ranked lower than
74% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 2.58 vs. NAVI: 0.47 )
Ranked among companies with meaningful ROA % only.
NAVI' s ROA % Range Over the Past 10 Years
Min: 0.47  Med: 0.72 Max: 1.78
Current: 0.47
0.47
1.78
3-Year Revenue Growth Rate -4.60
NAVI's 3-Year Revenue Growth Rate is ranked lower than
99.99% of the 291 Companies
in the Global Credit Services industry.

( Industry Median: 6.30 vs. NAVI: -4.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAVI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -4.6  Med: 0 Max: 4.6
Current: -4.6
-4.6
4.6
3-Year EBITDA Growth Rate -9.50
NAVI's 3-Year EBITDA Growth Rate is ranked lower than
99.99% of the 252 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. NAVI: -9.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAVI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -9.5  Med: 1.05 Max: 11.6
Current: -9.5
-9.5
11.6
3-Year EPS without NRI Growth Rate -9.90
NAVI's 3-Year EPS without NRI Growth Rate is ranked lower than
99.99% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 5.00 vs. NAVI: -9.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAVI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -9.9  Med: 0.35 Max: 10.6
Current: -9.9
-9.9
10.6
GuruFocus has detected 1 Warning Sign with Navient Corp $NAVI.
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» NAVI's 30-Y Financials

Financials (Next Earnings Date: 2017-07-18)


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

» Details

Guru Trades

Q2 2016
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Q4 2016
Q1 2017
» Details

Insider Trades

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522390    SIC: 6141
Compare:NAS:CACC, NAS:SLM, NYSE:OMF, NYSE:FCFS, NAS:HAWK, NYSE:LC, NYSE:NNI, NYSE:GDOT, NAS:PRAA, NAS:MGI, NYSE:TCAP, NAS:FSC, NYSE:AGM, NAS:WRLD, NYSE:ENVA, NAS:NEWS, NAS:EZPW, NYSE:ELVT, NYSE:ONDK, NYSE:RM » details
Traded in other countries:10D.Germany,
Headquarter Location:USA
Navient Corp is a financial service provider that offers business processing services to education, healthcare, and government clients at the federal, state, and local levels. The company also provides asset management services.

Navient is a financial services company that provides asset management and business processing services to education, healthcare, and government clients at the federal, state, and local levels. The company operates in Delaware, western New York, northern Pennsylvania, Indiana, Tennessee, Texas, and Virginia, among other locations. The company has three primary reportable business segments: Federal Family Education Loan Program loans, private education loans, and business services. The company's fourth and other segment relates to financial results of the company's holding company, including activities related to repurchases of debt, corporate liquidity portfolio, and unallocated overhead and regulatory-related costs. FFELP loans are its largest revenue source.

Ratios

vs
industry
vs
history
PE Ratio 7.84
NAVI's PE Ratio is ranked higher than
78% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.55 vs. NAVI: 7.84 )
Ranked among companies with meaningful PE Ratio only.
NAVI' s PE Ratio Range Over the Past 10 Years
Min: 3.5  Med: 6.92 Max: 8.76
Current: 7.84
3.5
8.76
Forward PE Ratio 8.48
NAVI's Forward PE Ratio is ranked higher than
80% of the 50 Companies
in the Global Credit Services industry.

( Industry Median: 13.76 vs. NAVI: 8.48 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 7.88
NAVI's PE Ratio without NRI is ranked higher than
77% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.63 vs. NAVI: 7.88 )
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: 6.97 Max: 8.8
Current: 7.88
3.52
8.8
PB Ratio 1.16
NAVI's PB Ratio is ranked higher than
50% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. NAVI: 1.16 )
Ranked among companies with meaningful PB Ratio only.
NAVI' s PB Ratio Range Over the Past 10 Years
Min: 0.8  Med: 1.26 Max: 2.14
Current: 1.16
0.8
2.14
PS Ratio 1.97
NAVI's PS Ratio is ranked higher than
67% of the 393 Companies
in the Global Credit Services industry.

( Industry Median: 3.73 vs. NAVI: 1.97 )
Ranked among companies with meaningful PS Ratio only.
NAVI' s PS Ratio Range Over the Past 10 Years
Min: 1.1  Med: 1.97 Max: 2.67
Current: 1.97
1.1
2.67
Price-to-Free-Cash-Flow 3.41
NAVI's Price-to-Free-Cash-Flow is ranked higher than
71% of the 83 Companies
in the Global Credit Services industry.

( Industry Median: 8.05 vs. NAVI: 3.41 )
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: 1.8  Med: 3.49 Max: 5.77
Current: 3.41
1.8
5.77
Price-to-Operating-Cash-Flow 3.41
NAVI's Price-to-Operating-Cash-Flow is ranked higher than
71% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 8.91 vs. NAVI: 3.41 )
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: 1.8  Med: 3.49 Max: 5.77
Current: 3.41
1.8
5.77
EV-to-EBIT 122.84
NAVI's EV-to-EBIT is ranked lower than
88% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 18.99 vs. NAVI: 122.84 )
Ranked among companies with meaningful EV-to-EBIT only.
NAVI' s EV-to-EBIT Range Over the Past 10 Years
Min: 73.5  Med: 89.8 Max: 122.86
Current: 122.84
73.5
122.86
EV-to-EBITDA 122.84
NAVI's EV-to-EBITDA is ranked lower than
90% of the 348 Companies
in the Global Credit Services industry.

( Industry Median: 16.26 vs. NAVI: 122.84 )
Ranked among companies with meaningful EV-to-EBITDA only.
NAVI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 73.5  Med: 89.8 Max: 122.86
Current: 122.84
73.5
122.86

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.30
NAVI's Dividend Yield % is ranked higher than
71% of the 304 Companies
in the Global Credit Services industry.

( Industry Median: 2.81 vs. NAVI: 4.30 )
Ranked among companies with meaningful Dividend Yield % only.
NAVI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.84  Med: 4.15 Max: 7.11
Current: 4.3
0.84
7.11
Dividend Payout Ratio 0.34
NAVI's Dividend Payout Ratio is ranked higher than
59% of the 168 Companies
in the Global Credit Services industry.

( Industry Median: 0.34 vs. NAVI: 0.34 )
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: 0.34
Current: 0.34
0.17
0.34
Forward Dividend Yield % 4.29
NAVI's Forward Dividend Yield % is ranked higher than
67% of the 296 Companies
in the Global Credit Services industry.

( Industry Median: 2.96 vs. NAVI: 4.29 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.30
NAVI's 5-Year Yield-on-Cost % is ranked higher than
58% of the 381 Companies
in the Global Credit Services industry.

( Industry Median: 3.29 vs. NAVI: 4.30 )
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: 4.15 Max: 7.11
Current: 4.3
0.84
7.11
3-Year Average Share Buyback Ratio 12.30
NAVI's 3-Year Average Share Buyback Ratio is ranked lower than
99.99% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: -1.20 vs. NAVI: 12.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NAVI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 10.3  Med: 11.3 Max: 12.3
Current: 12.3
10.3
12.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.42
NAVI's Price-to-Tangible-Book is ranked lower than
53% of the 305 Companies
in the Global Credit Services industry.

( Industry Median: 1.41 vs. NAVI: 1.42 )
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: 1.55 Max: 2.27
Current: 1.42
1.22
2.27
Price-to-Median-PS-Value 1.00
NAVI's Price-to-Median-PS-Value is ranked lower than
61% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. NAVI: 1.00 )
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: 1.02 Max: 1.31
Current: 1
0.71
1.31
Price-to-Graham-Number 0.71
NAVI's Price-to-Graham-Number is ranked higher than
64% of the 285 Companies
in the Global Credit Services industry.

( Industry Median: 1.06 vs. NAVI: 0.71 )
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: 0.73 Max: 0.9
Current: 0.71
0.5
0.9
Earnings Yield (Greenblatt) % 0.81
NAVI's Earnings Yield (Greenblatt) % is ranked lower than
72% of the 419 Companies
in the Global Credit Services industry.

( Industry Median: 3.85 vs. NAVI: 0.81 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NAVI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.8  Med: 1.1 Max: 1.4
Current: 0.81
0.8
1.4

More Statistics

Revenue (TTM) (Mil) $2,331.00
EPS (TTM) $ 1.91
Beta2.45
Short Percentage of Float3.40%
52-Week Range $12.66 - 17.95
Shares Outstanding (Mil)274.00

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 2,066 2,028
EPS ($) 1.76 1.97
EPS without NRI ($) 1.76 1.97
EPS Growth Rate
(Future 3Y To 5Y Estimate)
8.00%
Dividends per Share ($) 0.64 0.64
» More Articles for NAVI

Headlines

Articles On GuruFocus.com
Navient posts second quarter 2017 financial results Jul 18 2017 
Navient employees pull all-nighter and host fundraisers to raise $9,000 to fight cancer in the comm Jul 11 2017 
Delaware Tech opens Veterans Resource Center thanks to Navient Foundation Jun 22 2017 
Navient announces executive appointments Jun 19 2017 
Newark employee Ross Hibbert earns company award for innovative leadership Jun 02 2017 
Navient CEO delivers remarks at annual shareholder meeting May 25 2017 
Navient reelects board at annual shareholder meeting May 25 2017 
Wilmington employee Jaimie Phipps earns company award May 10 2017 
Navient CEO to present at Barclays Americas Select Franchise Conference 2017 on May 16 May 03 2017 
Navient raises $19,000 during second Ladders & Laces 5K and Jeans BeCause program to support Hanover Apr 24 2017 

More From Other Websites
Navient Corp. breached its 50 day moving average in a Bearish Manner : NAVI-US : July 20, 2017 Jul 20 2017
Edited Transcript of NAVI earnings conference call or presentation 19-Jul-17 12:00pm GMT Jul 19 2017
Navient (NAVI) Beats Q2 Earnings on High Non-Interest Income Jul 19 2017
Investor Network: Navient Corp to Host Earnings Call Jul 19 2017
Navient tops Street 2Q forecasts Jul 18 2017
Navient posts second quarter 2017 financial results Jul 18 2017
Why $5 Billion Of Student Loans May Be Wiped Out Jul 18 2017
Sallie Mae plans to add 285 jobs in Delaware Jul 17 2017
Will Navient's (NAVI) Q2 Earnings Disappoint Investors? Jul 17 2017
Should Value Investors Pick Navient Corp. (NAVI) Stock Now? Jul 14 2017
Haeggquist & Eck, LLP Investigates Navient Corporation for Potential Breaches of Fiduciary Duty by... Jul 13 2017
Navient employees pull all-nighter and host fundraisers to raise $9,000 to fight cancer in the... Jul 11 2017
Is it Wise to Hold on to Navient (NAVI) Stock Right Now? Jul 07 2017
Navient Foundation contributes $10,000 to TeenSHARP program to increase underrepresented students’... Jul 06 2017
Navient to announce second quarter 2017 results on July 18, host earnings call on July 19 Jul 05 2017
Navient Foundation supports Commission on Economic Opportunity to provide meals for at-risk... Jun 26 2017
Delaware Tech opens Veterans Resource Center thanks to Navient Foundation Jun 22 2017
Student loan servicer fights back as states eye protections Jun 20 2017
Navient announces executive appointments Jun 19 2017
ETFs with exposure to Navient Corp. : June 15, 2017 Jun 15 2017

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