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Upturn AI SWOT - About
Navient Corporation SR NT 6% 121543 (JSM)
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Upturn Advisory Summary
06/03/2024: JSM (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -23.07% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/03/2024 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.33B USD | Price to earnings Ratio 16.15 | 1Y Target Price - |
Price to earnings Ratio 16.15 | 1Y Target Price - | ||
Volume (30-day avg) 12393 | Beta - | 52 Weeks Range 15.48 - 21.75 | Updated Date 06/10/2024 |
52 Weeks Range 15.48 - 21.75 | Updated Date 06/10/2024 | ||
Dividends yield (FY) 3.28% | Basic EPS (TTM) - |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE 16.15 | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Navient Corporation SR NT 6% 121543
Company Overview
History and Background
Navient Corporation SR NT 6% 121543 represents a senior note issued by Navient Corporation. Navient was formed in 2014 as a spin-off from Sallie Mae (SLM). It primarily focuses on servicing and collecting student loans.
Core Business Areas
- Federal Education Loans: Servicing and collecting federal student loans originated under the FFELP program.
- Private Education Loans: Servicing and collecting private student loans.
- Business Processing Solutions: Providing business processing solutions to various clients.
Leadership and Structure
Navient has a Board of Directors overseeing the company's strategic direction. Executive leadership manages day-to-day operations.
Top Products and Market Share
Key Offerings
- Federal Loan Servicing: Servicing and managing federal student loans. Navient historically had a significant share of the FFELP loan servicing market, but this share has decreased due to federal government changes in servicing contracts. Competitors include Nelnet (NNI) and MOHELA.
- Private Loan Servicing: Servicing and managing private student loans. Market share data is less readily available for private loan servicing. Competitors include Sallie Mae (SLM) and Discover Financial Services (DFS).
- Business Processing Solutions: Offers solutions for healthcare, government, and other industries. Market share varies across different industries within this segment. Competitors include Conduent (CNDT) and Maximus (MMS).
Market Dynamics
Industry Overview
The student loan servicing industry is highly regulated and influenced by government policies. The business processing solutions market is competitive and diverse.
Positioning
Navient is a major player in student loan servicing, though its market share in federal loan servicing has declined. Its business processing solutions segment provides diversification.
Total Addressable Market (TAM)
The TAM for student loan servicing is estimated in the hundreds of billions, while the TAM for business processing solutions is even larger. Navientu2019s positioning within these markets depends on regulatory changes and competitive pressures.
Upturn SWOT Analysis
Strengths
- Experience in student loan servicing
- Established infrastructure
- Diversified business processing solutions
- Strong data analytics capabilities
Weaknesses
- Regulatory scrutiny
- Reputational issues related to student loan servicing practices
- Dependence on government contracts
- Exposure to changes in student loan programs
Opportunities
- Expansion of business processing solutions offerings
- Strategic acquisitions
- Development of new technologies for loan servicing
- Partnerships with educational institutions
Threats
- Changes in government student loan policies
- Increased competition in loan servicing
- Economic downturn impacting borrowers' ability to repay loans
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- SLM
- NNI
- DFS
- MMS
- CNDT
Competitive Landscape
Navient competes with other student loan servicers and business processing solution providers. Its advantages include experience and scale, while its disadvantages include regulatory scrutiny and reputational challenges.
Major Acquisitions
Gila LLC
- Year: 2015
- Acquisition Price (USD millions): 135
- Strategic Rationale: Expanded Navient's government services business.
Growth Trajectory and Initiatives
Historical Growth: Requires NAVI data for comprehensive analysis.
Future Projections: Requires NAVI data for comprehensive analysis.
Recent Initiatives: Requires NAVI data for comprehensive analysis.
Summary
Navient is a significant player in the student loan servicing and business processing solutions markets, though it faces regulatory scrutiny and reputational challenges. Its diversified business model provides some resilience, but government policies and competition pose ongoing risks. The company needs to manage its reputation and adapt to changing regulations to maintain a stable position. Furthermore, exploring growth opportunities in business processing solutions could aid the company's future prospects.
Similar Companies
CNDT
Conduent Inc
CNDT
Conduent Inc
DFS
Discover Financial Services
DFS
Discover Financial Services
MMS
Maximus Inc
MMS
Maximus Inc
NNI
Nelnet Inc
NNI
Nelnet Inc
SLM
SLM Corp
SLM
SLM Corp
Sources and Disclaimers
Data Sources:
- Company SEC Filings (NAVI)
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Navient Corporation SR NT 6% 121543
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2003-12-30 | CEO - | ||
Sector Other | Industry Other | Full time employees 6700 | Website |
Full time employees 6700 | Website | ||
Navient Corporation provides asset management and business processing services to education, health care, and government clients at the federal, state, and local levels in the United States. The company operates in three segments: Federal Family Education Loan Program (FFELP) Loans, Private Education Loans, and Business Services. It holds the portfolio of education loans insured or guaranteed under the FFELP, as well as the portfolio of private education loans; and originates private education refinance loans. The company also services education loans owned by the United States Department of Education, financial institutions, and nonprofit education lenders. In addition, it offers asset recovery services for loans and receivables on behalf of guarantors of FFELP loans and higher education institutions. Further, the company provides asset recovery and other business processing services for federal, state, court, and municipal clients; public authorities; and health care organizations. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware.
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