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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 388 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 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 371 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 0.38
NAVI's Interest Coverage is ranked lower than
90% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 6.94 vs. NAVI: 0.38 )
Ranked among companies with meaningful Interest Coverage only.
NAVI' s Interest Coverage Range Over the Past 10 Years
Min: 0.38  Med: 0.76 Max: 0.94
Current: 0.38
0.38
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 % 40.76
NAVI's Operating Margin % is ranked higher than
76% of the 385 Companies
in the Global Credit Services industry.

( Industry Median: 18.30 vs. NAVI: 40.76 )
Ranked among companies with meaningful Operating Margin % only.
NAVI' s Operating Margin % Range Over the Past 10 Years
Min: 40.76  Med: 50.59 Max: 51.49
Current: 40.76
40.76
51.49
Net Margin % 24.85
NAVI's Net Margin % is ranked higher than
73% of the 386 Companies
in the Global Credit Services industry.

( Industry Median: 12.51 vs. NAVI: 24.85 )
Ranked among companies with meaningful Net Margin % only.
NAVI' s Net Margin % Range Over the Past 10 Years
Min: 24.85  Med: 31.51 Max: 34.99
Current: 24.85
24.85
34.99
ROE % 15.88
NAVI's ROE % is ranked higher than
80% of the 389 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. NAVI: 15.88 )
Ranked among companies with meaningful ROE % only.
NAVI' s ROE % Range Over the Past 10 Years
Min: 15.88  Med: 23.64 Max: 49.6
Current: 15.88
15.88
49.6
ROA % 0.47
NAVI's ROA % is ranked lower than
69% of the 398 Companies
in the Global Credit Services industry.

( Industry Median: 2.38 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
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 Est.)


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
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Business Description

Industry: Credit Services » Credit Services    NAICS: 522390    SIC: 6141
Compare:NAS:CACC, NAS:SLM, OTCPK:ELEEF, NYSE:OMF, NYSE:FCFS, NAS:HAWK, NYSE:LC, OTCPK:EDNMY, OTCPK:FPLPY, NYSE:GDOT, NAS:PRAA, NYSE:NNI, NYSE:YRD, OTCPK:AIFLY, NAS:QIWI, OTCPK:ECNCF, NAS:MGI, NYSE:TCAP, OTCPK:AUTCF, NAS:WRLD » details
Traded in other countries:10D.Germany,
Headquarter Location:USA
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 7.59
NAVI's PE Ratio is ranked higher than
85% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 14.53 vs. NAVI: 7.59 )
Ranked among companies with meaningful PE Ratio only.
NAVI' s PE Ratio Range Over the Past 10 Years
Min: 3.5  Med: 6.73 Max: 8.41
Current: 7.59
3.5
8.41
Forward PE Ratio 7.98
NAVI's Forward PE Ratio is ranked higher than
88% of the 89 Companies
in the Global Credit Services industry.

( Industry Median: 12.74 vs. NAVI: 7.98 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 7.63
NAVI's PE Ratio without NRI is ranked higher than
85% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 14.95 vs. NAVI: 7.63 )
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: 6.93 Max: 8.41
Current: 7.63
3.52
8.41
PB Ratio 1.11
NAVI's PB Ratio is ranked higher than
52% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. NAVI: 1.11 )
Ranked among companies with meaningful PB Ratio only.
NAVI' s PB Ratio Range Over the Past 10 Years
Min: 0.8  Med: 1.27 Max: 2.14
Current: 1.11
0.8
2.14
PS Ratio 1.87
NAVI's PS Ratio is ranked higher than
70% of the 368 Companies
in the Global Credit Services industry.

( Industry Median: 3.45 vs. NAVI: 1.87 )
Ranked among companies with meaningful PS Ratio only.
NAVI' s PS Ratio Range Over the Past 10 Years
Min: 1.1  Med: 1.96 Max: 2.67
Current: 1.87
1.1
2.67
Price-to-Free-Cash-Flow 3.30
NAVI's Price-to-Free-Cash-Flow is ranked higher than
74% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. NAVI: 3.30 )
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: 3.47 Max: 5.77
Current: 3.3
1.8
5.77
Price-to-Operating-Cash-Flow 3.30
NAVI's Price-to-Operating-Cash-Flow is ranked higher than
73% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 8.02 vs. NAVI: 3.30 )
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: 3.47 Max: 5.77
Current: 3.3
1.8
5.77
EV-to-EBIT 118.55
NAVI's EV-to-EBIT is ranked lower than
93% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 16.65 vs. NAVI: 118.55 )
Ranked among companies with meaningful EV-to-EBIT only.
NAVI' s EV-to-EBIT Range Over the Past 10 Years
Min: 73.5  Med: 88.3 Max: 119.1
Current: 118.55
73.5
119.1
EV-to-EBITDA 118.55
NAVI's EV-to-EBITDA is ranked lower than
93% of the 384 Companies
in the Global Credit Services industry.

( Industry Median: 13.89 vs. NAVI: 118.55 )
Ranked among companies with meaningful EV-to-EBITDA only.
NAVI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 73.5  Med: 88.3 Max: 119.1
Current: 118.55
73.5
119.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.44
NAVI's Dividend Yield % is ranked higher than
70% of the 286 Companies
in the Global Credit Services industry.

( Industry Median: 2.72 vs. NAVI: 4.44 )
Ranked among companies with meaningful Dividend Yield % only.
NAVI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.84  Med: 4.18 Max: 7.11
Current: 4.44
0.84
7.11
Dividend Payout Ratio 0.34
NAVI's Dividend Payout Ratio is ranked higher than
61% of the 167 Companies
in the Global Credit Services industry.

( Industry Median: 0.32 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 % 4.44
NAVI's Forward Dividend Yield % is ranked higher than
67% of the 279 Companies
in the Global Credit Services industry.

( Industry Median: 2.96 vs. NAVI: 4.44 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.44
NAVI's 5-Year Yield-on-Cost % is ranked higher than
59% of the 359 Companies
in the Global Credit Services industry.

( Industry Median: 3.18 vs. NAVI: 4.44 )
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: 4.18 Max: 7.11
Current: 4.44
0.84
7.11

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.38
NAVI's Price-to-Tangible-Book is ranked lower than
55% of the 365 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. NAVI: 1.38 )
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: 1.38
1.22
2.27
Price-to-Median-PS-Value 0.96
NAVI's Price-to-Median-PS-Value is ranked higher than
55% of the 329 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: 0.71  Med: 1.03 Max: 1.31
Current: 0.96
0.71
1.31
Price-to-Graham-Number 0.68
NAVI's Price-to-Graham-Number is ranked higher than
70% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 0.93 vs. NAVI: 0.68 )
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: 0.68
0.5
0.9
Earnings Yield (Greenblatt) % 0.84
NAVI's Earnings Yield (Greenblatt) % is ranked lower than
75% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 4.64 vs. NAVI: 0.84 )
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: 0.84
0.8
1.4

More Statistics

Revenue (TTM) (Mil) $2,370
EPS (TTM) $ 1.90
Beta2.46
Short Percentage of Float3.08%
52-Week Range $11.01 - 17.95
Shares Outstanding (Mil)284.94

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 2,065 2,028
EPS ($) 1.81 2.02 1.83
EPS without NRI ($) 1.81 2.02 1.83
EPS Growth Rate
(Future 3Y To 5Y Estimate)
8.00%
Dividends per Share ($) 0.64 0.64
» More Articles for NAVI

Headlines

Articles On GuruFocus.com
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 
New study shows students want better financial information sooner Apr 24 2017 
Navient posts first quarter 2017 financial results Apr 18 2017 
Navient will acquire approximately $6.9 billion in education loan assets from JPMorgan Chase Apr 18 2017 
Lawsuit for Investors in Navient Corp (NASDAQ:NAVI) announced by Shareholders Foundation Apr 17 2017 
Navient receives Financial Capability Innovation Award from EverFi at Nasdaq MarketSite Apr 12 2017 
Navient declares second quarter common stock dividend Apr 05 2017 
Navient appoints David Yowan to Board of Directors Apr 04 2017 

More From Other Websites
Why Is Navient (NAVI) Down 9.7% Since the Last Earnings Report? May 19 2017
ETFs with exposure to Navient Corp. : May 15, 2017 May 15 2017
Wilmington employee Jaimie Phipps earns company award May 10 2017
Navient Corp. breached its 50 day moving average in a Bearish Manner : NAVI-US : May 9, 2017 May 09 2017
Navient CEO to present at Barclays Americas Select Franchise Conference 2017 on May 16 May 03 2017
SLM Student Loan Trust 2013-4 -- Moody's upgrades two tranches from two Navient FFELP... May 03 2017
Navient Corp. :NAVI-US: Earnings Analysis: Q1, 2017 By the Numbers : May 2, 2017 May 02 2017
Collegiate Funding Services Education Loan Trust 2005-B -- Moody's reviews for downgrade one class... May 01 2017
Consumer complaints spiked 325% in 2017 over this one issue Apr 30 2017
Ally Financials' (ALLY) Stock Declines on Q1 Earnings Lag Apr 28 2017
Democratic state attorneys general decry student loan rework by Republicans Apr 24 2017
Bullish and Bearish Reversals for This Week Apr 24 2017
Navient raises $19,000 during second Ladders & Laces 5K and Jeans BeCause program to support Hanover... Apr 24 2017
Is Navient (NAVI) a Great Stock for Value Investors? Apr 24 2017
New study shows students want better financial information sooner Apr 24 2017
Edited Transcript of NAVI earnings conference call or presentation 19-Apr-17 12:00pm GMT Apr 21 2017
Should DeVos Block an Embattled Student Loan Giant's Attempt to Expand? Apr 21 2017
Energy, biotech, financials & more in the trader blitz Apr 19 2017

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