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Upturn AI SWOT - About
NAVI 
Navient Corp (NAVI)
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Upturn Advisory Summary
03/27/2025: NAVI (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 -5.06% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.34B USD | Price to earnings Ratio 11.14 | 1Y Target Price 14.05 |
Price to earnings Ratio 11.14 | 1Y Target Price 14.05 | ||
Volume (30-day avg) 753987 | Beta 1.39 | 52 Weeks Range 12.58 - 16.82 | Updated Date 03/27/2025 |
52 Weeks Range 12.58 - 16.82 | Updated Date 03/27/2025 | ||
Dividends yield (FY) 4.87% | Basic EPS (TTM) 1.18 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.45% | Operating Margin (TTM) 176.92% |
Management Effectiveness
Return on Assets (TTM) 0.23% | Return on Equity (TTM) 4.85% |
Valuation
Trailing PE 11.14 | Forward PE 9.03 | Enterprise Value 49158909952 | Price to Sales(TTM) 1.58 |
Enterprise Value 49158909952 | Price to Sales(TTM) 1.58 | ||
Enterprise Value to Revenue 51.25 | Enterprise Value to EBITDA - | Shares Outstanding 102276000 | Shares Floating 70053131 |
Shares Outstanding 102276000 | Shares Floating 70053131 | ||
Percent Insiders 2.85 | Percent Institutions 104.75 |
Analyst Ratings
Rating 2.7 | Target Price 14.5 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 8 | Sell 1 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
Navient Corp
Company Overview
History and Background
Navient was established in 2014 as a spin-off from Sallie Mae. It focuses on student loan servicing, asset management, and business processing solutions.
Core Business Areas
- Federal Education Loan Servicing: Servicing federal student loans on behalf of the U.S. Department of Education.
- Private Education Loan Servicing: Servicing private education loans for various lenders and institutions.
- Asset Recovery: Recovering defaulted debts through collection activities.
Leadership and Structure
Navient's leadership team consists of a CEO, CFO, and other key executives. The company operates with a hierarchical structure, divided into business units based on service areas.
Top Products and Market Share
Key Offerings
- Federal Loan Servicing: Navient services a significant portion of federal student loans. Competitors include Maximus (formerly Aidvantage) and MOHELA. The total portfolio services is large. Market share varies depending on the specific loan programs and contracts.
- Private Loan Servicing: Navient also services private student loans. Competitors in this area include other loan servicers and lenders with in-house servicing capabilities. The amount varies depending on the agreements.
Market Dynamics
Industry Overview
The student loan servicing industry is heavily regulated and influenced by government policies. Demand is driven by the increasing cost of higher education and the prevalence of student loan financing.
Positioning
Navient is a major player in the student loan servicing market. It has faced regulatory scrutiny and reputational challenges in recent years.
Total Addressable Market (TAM)
The TAM for student loan servicing is very large, estimated to be in the trillions of dollars, encompassing federal and private loans. Navient captures a percentage based on their contracts with federal or private loan owners and lenders.
Upturn SWOT Analysis
Strengths
- Established player in the student loan servicing industry
- Extensive experience in loan servicing and asset management
- Strong relationships with lenders and educational institutions
- Scalable operational infrastructure
Weaknesses
- Reputational issues related to servicing practices
- Regulatory scrutiny and legal challenges
- Dependence on government contracts
- Operational efficiency challenges
Opportunities
- Expansion into new service offerings
- Technological innovation to improve servicing efficiency
- Partnerships with fintech companies
- Growth in the private student loan market
Threats
- Changes in government regulations and policies
- Increased competition from other servicers
- Economic downturn affecting student loan repayment rates
- Potential for loan forgiveness programs
Competitors and Market Share
Key Competitors
- SLM
- NELNET
- MAXIMUS
Competitive Landscape
Navient faces stiff competition from established players. Its competitive advantage rests on its scale, experience, and technology. Disadvantages include its reputation and regulatory challenges.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Requires historical financial data and company activities.
Future Projections: Requires financial analyst reports and forecasts.
Recent Initiatives: Requires recent company announcements and reports.
Summary
Navient is a major student loan servicer facing both opportunities and challenges. Its established position provides a strong base, but reputational and regulatory headwinds are significant. The company's future depends on adapting to changing regulations and improving its operational efficiency. Success will be determined by if the company is sold, or it survives these challenges.
Similar Companies
- SLM
- NEL
- MAXIMUS
Sources and Disclaimers
Data Sources:
- Company filings, Market reports, News articles, Analyst reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market conditions and company performance can change rapidly. Consult with a qualified financial advisor before making any investment decisions.
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 Corp
Exchange NASDAQ | Headquaters Herndon, VA, United States | ||
IPO Launch date 2014-04-17 | President, CEO & Director Mr. David L. Yowan | ||
Sector Financial Services | Industry Credit Services | Full time employees 2100 | Website https://www.navient.com |
Full time employees 2100 | Website https://www.navient.com | ||
Navient Corporation provides technology-enabled education finance and business processing solutions for education, health care, and government clients in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. It owns, originates, and services refinance and in-school private education loans; and offers business processing solutions, such as omnichannel contact center, workflow processing, and revenue cycle optimization services to federal agencies, state governments, tolling and parking authorities, other public sector clients, as well as hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments. In addition, the company provides corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.
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