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Navient Corporation SR NT 6% 121543 (JSM)

Upturn stock ratingUpturn stock rating
Navient Corporation SR NT 6% 121543
$19.32
Delayed price
PASS
upturn advisory
  • BUY Advisory
  • Profitable SELL
  • Loss-Inducing SELL
  • Profit
  • Loss ​
  • PASS (Skip invest)*​ ​
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK
Time period over

Upturn Advisory Summary

06/03/2024: JSM (1-star) is currently NOT-A-BUY. Pass it for now.

Analysis of Past Performance​

Type: Stock
Upturn Star Rating​ Upturn stock ratingUpturn stock rating
Today’s Advisory: PASS
Historic Profit: -23.07%
Upturn Advisory Performance Upturn Advisory Performance2
Avg. Invested days: 37
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Stock Returns Performance Upturn Returns Performance 1
Last Close 06/03/2024
Type: Stock
Today’s Advisory: PASS
Historic Profit: -23.07%
Avg. Invested days: 37
Upturn Star Rating​ Upturn stock ratingUpturn stock rating
Stock Returns Performance Upturn Returns Performance 1
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/03/2024
Upturn Advisory Performance Upturn Advisory Performance2

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 5.33B USD
Price to earnings Ratio 16.15
1Y Target Price -
Dividends yield (FY) 3.28%
Basic EPS (TTM) -
Volume (30-day avg) 12393
Beta -
52 Weeks Range 15.48 - 21.75
Updated Date 06/10/2024
Company Size Mid-Cap Stock
Market Capitalization 5.33B USD
Price to earnings Ratio 16.15
1Y Target Price -
Dividends yield (FY) 3.28%
Basic EPS (TTM) -
Volume (30-day avg) 12393
Beta -
52 Weeks Range 15.48 - 21.75
Updated Date 06/10/2024

Earnings Date

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When -
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Actual -
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When -
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Actual -

Profitability

Profit Margin -
Operating Margin (TTM) -

Management Effectiveness

Return on Assets (TTM) -
Return on Equity (TTM) -

Revenue by Products

Revenue by Products - Current and Previous Year

Valuation

Trailing PE 16.15
Forward PE -
Enterprise Value -
Price to Sales(TTM) -
Enterprise Value to Revenue -
Enterprise Value to EBITDA -
Shares Outstanding -
Shares Floating -
Percent Insiders -
Percent Institutions -
Trailing PE 16.15
Forward PE -
Enterprise Value -
Price to Sales(TTM) -
Enterprise Value to Revenue -
Enterprise Value to EBITDA -
Shares Outstanding -
Shares Floating -
Percent Insiders -
Percent Institutions -

Analyst Ratings

Rating -
Target Price -
Buy -
Strong Buy -
Hold -
Sell -
Strong Sell -
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Strong Buy -
Hold -
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AI Summarization

US Stock Navient Corporation SR NT 6% 121543: A Comprehensive Overview

Company Profile

Navient is a publicly traded student loan servicer and business process outsourcing (BPO) provider. It was spun off from Sallie Mae in 2014. Navient helps millions of federal and private loan borrowers manage their loans, offering a range of services, including billing, payment processing, and customer support. The company also provides BPO services to government agencies and other clients.

Top Products and Market Share

Navient's primary product is student loan servicing, where it holds a significant market share. The company has 26.4 million customer accounts and manages $272.9 billion in outstanding federal loans for the U.S. Department of Education.

Financial Performance

Navient's recent financial performance has been mixed. In 2022, the company reported revenue of $3.7 billion, an increase of 1.6% from the previous year. However, net income decreased by 12.3% to $206 million. This decline was primarily due to higher operating expenses and a provision for loan losses.

Growth Trajectory

Navient's growth trajectory is uncertain. The student loan market is facing challenges, including a decline in new loan origination and potential changes to regulations. However, the company is investing in new technologies and expanding its BPO business, which could drive future growth.

Market Dynamics

The student loan market is highly competitive, with several large players, including Sallie Mae and Nelnet. The market is also subject to government regulation, which can impact profitability.

Competitors

  • Sallie Mae (SLM): 6.4% market share
  • Nelnet (NNI): 14.4% market share
  • Great Lakes Educational Loan Services (GLS): 16.3% market share
  • Mohela (MOHE): 19.2% market share

Potential Challenges

Navient faces several potential challenges, including:

  • Declining student loan origination: The number of new student loans has been declining in recent years, which could impact Navient's revenue.
  • Potential changes to regulations: The Biden administration has proposed regulations that could reduce the profitability of student loan servicing.
  • Competition: Navient faces intense competition from other student loan servicers.

Potential Opportunities

Navient also has several potential opportunities, including:

  • Expanding its BPO business: Navient is expanding its BPO business, which could provide a new source of revenue growth.
  • Investing in new technologies: Navient is investing in new technologies to improve its services and efficiency.
  • Consolidation in the student loan market: If smaller student loan servicers exit the market, Navient could gain market share.

Fundamental Rating Based on AI: 6/10

Justification:

  • Strong market share in student loan servicing
  • Diversification into BPO services
  • Facing challenges from declining loan origination and potential regulatory changes
  • Opportunities for growth through BPO expansion and technological innovation

The AI-based rating of 6/10 reflects the mixed outlook for Navient. The company has strengths, such as its strong market share and diversification, but also faces challenges. The overall rating suggests that Navient is a moderately attractive investment opportunity with potential for both upside and downside.

Important Disclaimer

This information is for educational purposes only and should not be considered financial advice. It is essential to conduct your own research and consult with a qualified financial professional before making any investment decisions.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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 Website
Industry Other Full time employees 6700
Headquaters -
CEO -
Website
Website
Full time employees 6700

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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