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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 : 3/10

vs
industry
vs
history
Cash-to-Debt 0.02
NAVI's Cash-to-Debt is ranked lower than
94% of the 435 Companies
in the Global Credit Services industry.

( Industry Median: 0.61 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: 0.03
Current: 0.02
0.01
0.03
Equity-to-Asset 0.03
NAVI's Equity-to-Asset is ranked lower than
96% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 0.43 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
Debt-to-Equity 31.72
NAVI's Debt-to-Equity is ranked lower than
100% of the 266 Companies
in the Global Credit Services industry.

( Industry Median: 1.16 vs. NAVI: 31.72 )
Ranked among companies with meaningful Debt-to-Equity only.
NAVI' s Debt-to-Equity Range Over the Past 10 Years
Min: 26.43  Med: 32.5 Max: 33.94
Current: 31.72
26.43
33.94
Debt-to-EBITDA 143.70
NAVI's Debt-to-EBITDA is ranked lower than
99% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 6.49 vs. NAVI: 143.70 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NAVI' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 72.09  Med: 78.69 Max: 143.7
Current: 143.7
72.09
143.7
Interest Coverage 0.26
NAVI's Interest Coverage is ranked lower than
94% of the 396 Companies
in the Global Credit Services industry.

( Industry Median: 7.89 vs. NAVI: 0.26 )
Ranked among companies with meaningful Interest Coverage only.
NAVI' s Interest Coverage Range Over the Past 10 Years
Min: 0.26  Med: 0.76 Max: 0.94
Current: 0.26
0.26
0.94
WACC vs ROIC
1.71%
0.25%
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 % 34.60
NAVI's Operating Margin % is ranked higher than
66% of the 432 Companies
in the Global Credit Services industry.

( Industry Median: 19.77 vs. NAVI: 34.60 )
Ranked among companies with meaningful Operating Margin % only.
NAVI' s Operating Margin % Range Over the Past 10 Years
Min: 34.6  Med: 50.59 Max: 51.49
Current: 34.6
34.6
51.49
Net Margin % 13.22
NAVI's Net Margin % is ranked higher than
50% of the 432 Companies
in the Global Credit Services industry.

( Industry Median: 13.62 vs. NAVI: 13.22 )
Ranked among companies with meaningful Net Margin % only.
NAVI' s Net Margin % Range Over the Past 10 Years
Min: 13.22  Med: 31.51 Max: 34.99
Current: 13.22
13.22
34.99
ROE % 8.17
NAVI's ROE % is ranked higher than
54% of the 429 Companies
in the Global Credit Services industry.

( Industry Median: 6.96 vs. NAVI: 8.17 )
Ranked among companies with meaningful ROE % only.
NAVI' s ROE % Range Over the Past 10 Years
Min: 8.17  Med: 23.64 Max: 49.6
Current: 8.17
8.17
49.6
ROA % 0.25
NAVI's ROA % is ranked lower than
71% of the 446 Companies
in the Global Credit Services industry.

( Industry Median: 2.27 vs. NAVI: 0.25 )
Ranked among companies with meaningful ROA % only.
NAVI' s ROA % Range Over the Past 10 Years
Min: 0.25  Med: 0.72 Max: 1.78
Current: 0.25
0.25
1.78
3-Year Revenue Growth Rate -4.60
NAVI's 3-Year Revenue Growth Rate is ranked lower than
73% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 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
76% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 6.90 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
70% of the 298 Companies
in the Global Credit Services industry.

( Industry Median: 6.90 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 4 Warning Signs with Navient Corp NAVI.
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» NAVI's 30-Y Financials

Financials (Next Earnings Date: 2018-04-18)


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

» Details

Guru Trades

Q1 2017
Q2 2017
Q3 2017
Q4 2017
» Details

Insider Trades

Latest Guru Trades with NAVI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Barrow, Hanley, Mewhinney & Strauss 2017-12-31 Reduce -3.04%0.02%Premium Member Access $13.32 $ 13.995%28,869,964
Barrow, Hanley, Mewhinney & Strauss 2017-12-31 Reduce -3.04%0.02%$11.62 - $14.96 $ 13.9911%28,869,964
Kahn Brothers 2017-12-31 Add 2.56%$11.62 - $14.96 $ 13.9911%53,316
Joel Greenblatt 2017-12-31 New Buy$11.62 - $14.96 $ 13.9911%11,556
David Dreman 2017-12-31 Reduce -85.61%0.15%$11.62 - $14.96 $ 13.9911%3,071
Barrow, Hanley, Mewhinney & Strauss 2017-09-30 Reduce -2.91%0.02%$13.14 - $16.81 $ 13.99-4%29,775,653
Leon Cooperman 2017-09-30 Reduce -18.56%0.29%$13.14 - $16.81 $ 13.99-4%1,801,188
Mario Gabelli 2017-09-30 Reduce -14.34%$13.14 - $16.81 $ 13.99-4%119,500
Kahn Brothers 2017-09-30 Reduce -28.53%0.05%$13.14 - $16.81 $ 13.99-4%51,983
Barrow, Hanley, Mewhinney & Strauss 2017-06-30 Reduce -0.92%0.01%$13.64 - $16.65 $ 13.99-7%30,667,048
Leon Cooperman 2017-06-30 Reduce -19.37%0.32%$13.64 - $16.65 $ 13.99-7%2,211,614
Kahn Brothers 2017-06-30 Reduce -46.32%0.16%$13.64 - $16.65 $ 13.99-7%72,738
David Dreman 2017-06-30 Reduce -23.44%0.06%$13.64 - $16.65 $ 13.99-7%21,336
Barrow, Hanley, Mewhinney & Strauss 2017-03-31 Reduce -3.29%0.03%$13.92 - $16.85 $ 13.99-9%30,953,295
Leon Cooperman 2017-03-31 Reduce -26.94%0.73%$13.92 - $16.85 $ 13.99-9%2,743,047
Mario Gabelli 2017-03-31 Reduce -2.79%$13.92 - $16.85 $ 13.99-9%139,500
Kahn Brothers 2017-03-31 Reduce -25.71%0.13%$13.92 - $16.85 $ 13.99-9%135,493
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Business Description

Industry: Credit Services » Credit Services    NAICS: 522390    SIC: 6141
Compare:NYSE:OMF, TPE:5871, NSE:SUNDARMFIN, NYSE:FCFS, XKRX:029780, NSE:CHOLAFIN, NYSE:GDOT, HKSE:01606, TSE:8253, HKSE:08207, TSE:7164, BOM:533398, NYSE:QD, TSX:EFN, TSE:8585, NYSE:YRD, NSE:HUDCO, NSE:M&MFIN, BKK:MTLS, MIL:CERV » 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 13.85
NAVI's PE Ratio is ranked higher than
60% of the 345 Companies
in the Global Credit Services industry.

( Industry Median: 17.03 vs. NAVI: 13.85 )
Ranked among companies with meaningful PE Ratio only.
NAVI' s PE Ratio Range Over the Past 10 Years
Min: 3.5  Med: 7.02 Max: 13.85
Current: 13.85
3.5
13.85
Forward PE Ratio 7.34
NAVI's Forward PE Ratio is ranked higher than
81% of the 52 Companies
in the Global Credit Services industry.

( Industry Median: 11.03 vs. NAVI: 7.34 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 13.85
NAVI's PE Ratio without NRI is ranked higher than
60% of the 342 Companies
in the Global Credit Services industry.

( Industry Median: 17.03 vs. NAVI: 13.85 )
Ranked among companies with meaningful PE Ratio without NRI only.
NAVI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.51  Med: 7.05 Max: 13.85
Current: 13.85
3.51
13.85
PB Ratio 1.07
NAVI's PB Ratio is ranked higher than
55% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. NAVI: 1.07 )
Ranked among companies with meaningful PB Ratio only.
NAVI' s PB Ratio Range Over the Past 10 Years
Min: 0.8  Med: 1.19 Max: 2.14
Current: 1.07
0.8
2.14
PS Ratio 1.81
NAVI's PS Ratio is ranked higher than
72% of the 409 Companies
in the Global Credit Services industry.

( Industry Median: 3.61 vs. NAVI: 1.81 )
Ranked among companies with meaningful PS Ratio only.
NAVI' s PS Ratio Range Over the Past 10 Years
Min: 1.1  Med: 1.9 Max: 2.67
Current: 1.81
1.1
2.67
Price-to-Free-Cash-Flow 3.49
NAVI's Price-to-Free-Cash-Flow is ranked higher than
75% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 7.71 vs. NAVI: 3.49 )
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: 3.46 Max: 5.77
Current: 3.49
1.8
5.77
Price-to-Operating-Cash-Flow 3.49
NAVI's Price-to-Operating-Cash-Flow is ranked higher than
73% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 6.96 vs. NAVI: 3.49 )
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: 3.46 Max: 5.77
Current: 3.49
1.8
5.77
EV-to-EBIT 149.60
NAVI's EV-to-EBIT is ranked lower than
92% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 16.93 vs. NAVI: 149.60 )
Ranked among companies with meaningful EV-to-EBIT only.
NAVI' s EV-to-EBIT Range Over the Past 10 Years
Min: 73.5  Med: 92.3 Max: 149.6
Current: 149.6
73.5
149.6
EV-to-EBITDA 149.60
NAVI's EV-to-EBITDA is ranked lower than
94% of the 361 Companies
in the Global Credit Services industry.

( Industry Median: 15.84 vs. NAVI: 149.60 )
Ranked among companies with meaningful EV-to-EBITDA only.
NAVI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 73.5  Med: 92.3 Max: 149.6
Current: 149.6
73.5
149.6
EV-to-Revenue 51.76
NAVI's EV-to-Revenue is ranked lower than
94% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 5.68 vs. NAVI: 51.76 )
Ranked among companies with meaningful EV-to-Revenue only.
NAVI' s EV-to-Revenue Range Over the Past 10 Years
Min: 38.1  Med: 43.7 Max: 51.5
Current: 51.76
38.1
51.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.57
NAVI's Dividend Yield % is ranked higher than
76% of the 321 Companies
in the Global Credit Services industry.

( Industry Median: 2.31 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: 4.38 Max: 7.11
Current: 4.57
0.84
7.11
Dividend Payout Ratio 0.35
NAVI's Dividend Payout Ratio is ranked higher than
90% of the 173 Companies
in the Global Credit Services industry.

( Industry Median: 0.30 vs. NAVI: 0.35 )
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: 0.35
Current: 0.35
0.17
0.35
Forward Dividend Yield % 4.57
NAVI's Forward Dividend Yield % is ranked higher than
70% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 2.69 vs. NAVI: 4.57 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.57
NAVI's 5-Year Yield-on-Cost % is ranked higher than
70% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 2.85 vs. NAVI: 4.57 )
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: 4.38 Max: 7.11
Current: 4.57
0.84
7.11
3-Year Average Share Buyback Ratio 13.50
NAVI's 3-Year Average Share Buyback Ratio is ranked higher than
98% of the 191 Companies
in the Global Credit Services industry.

( Industry Median: -4.90 vs. NAVI: 13.50 )
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: 11.9 Max: 13.5
Current: 13.5
10.3
13.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.39
NAVI's Price-to-Tangible-Book is ranked lower than
52% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 1.25 vs. NAVI: 1.39 )
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: 1.52 Max: 2.27
Current: 1.39
1.22
2.27
Price-to-Median-PS-Value 0.96
NAVI's Price-to-Median-PS-Value is ranked higher than
58% of the 365 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. NAVI: 0.96 )
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: 0.74  Med: 1.06 Max: 1.36
Current: 0.96
0.74
1.36
Price-to-Graham-Number 0.93
NAVI's Price-to-Graham-Number is ranked higher than
69% of the 265 Companies
in the Global Credit Services industry.

( Industry Median: 1.03 vs. NAVI: 0.93 )
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: 0.93
Current: 0.93
0.5
0.93
Earnings Yield (Greenblatt) % 0.67
NAVI's Earnings Yield (Greenblatt) % is ranked lower than
73% of the 445 Companies
in the Global Credit Services industry.

( Industry Median: 4.18 vs. NAVI: 0.67 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NAVI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.67  Med: 1.1 Max: 1.4
Current: 0.67
0.67
1.4

More Statistics

Revenue (TTM) (Mil) $2,208.00
EPS (TTM) $ 1.01
Beta2.33
Short Percentage of Float6.64%
52-Week Range $11.48 - 16.97
Shares Outstanding (Mil)263.01

Analyst Estimate

Dec18 Dec19
Revenue (Mil $) 2,107 1,859
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 1.83 1.89
EPS without NRI ($) 1.83 1.89
EPS Growth Rate
(Future 3Y To 5Y Estimate)
-6.00%
Dividends per Share ($) 0.64 0.64

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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