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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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early 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) - | 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) - |
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 - |
Upturn AI SWOT
Navient Corporation SR NT 6% 121543
Company Overview
History and Background
Navient Corporation SR NT 6% 121543 represents a bond issued by Navient Corporation. Navient was formed in 2014 when Sallie Mae split into two entities: Navient (NAV) to handle loan servicing and asset management, and Sallie Mae Bank for private student lending. As this is a bond, it's focused on debt repayment rather than the history of Navient itself.
Core Business Areas
- Loan Servicing: Navient provides loan servicing for student loans and other assets.
- Asset Management: Navient manages and collects on student loan portfolios.
Leadership and Structure
As this is a bond, leadership structure of Navient the issuer impacts the bond's creditworthiness. Navient's leadership team consists of a CEO, CFO, and other executives. The organizational structure involves various departments focused on servicing, asset management, and corporate functions.
Top Products and Market Share
Key Offerings
- Student Loan Servicing: Navient services a large portfolio of student loans. Market share data is difficult to pinpoint exactly due to the complexity of the student loan servicing industry, but Navient is a major player. Competitors include Maximus, Nelnet (NNI), and Great Lakes Higher Education Corporation.
- Asset Management: Navient manages student loan assets. Specific market share figures for this are difficult to find. Competitors include various private equity firms and asset management companies that specialize in debt portfolios.
Market Dynamics
Industry Overview
The student loan servicing industry is heavily regulated and subject to political and economic pressures. The market is influenced by government policies, interest rates, and student enrollment trends.
Positioning
Navient is positioned as one of the largest student loan servicers and asset managers in the United States. Their size and experience provide a competitive advantage, but they also face regulatory scrutiny.
Total Addressable Market (TAM)
The TAM for student loan servicing and asset management is estimated to be in the hundreds of billions of dollars. Navient is positioned to capture a significant portion of this TAM, but faces increasing competition and regulatory challenges.
Upturn SWOT Analysis
Strengths
- Large servicing portfolio
- Experienced management team
- Established infrastructure
- Strong relationships with lenders
Weaknesses
- Regulatory scrutiny
- Reputational risks
- Dependence on government policies
- Legal challenges
Opportunities
- Expansion into new asset classes
- Development of new servicing technologies
- Partnerships with educational institutions
- Acquisition of smaller servicers
Threats
- Changes in government regulations
- Increased competition
- Economic downturn
- Defaults on student loans
Competitors and Market Share
Key Competitors
- NNI
- SLM
Competitive Landscape
Navient faces competition from other student loan servicers and asset managers. Their competitive advantage lies in their scale and experience, but they face challenges from regulatory scrutiny and reputational risks.
Major Acquisitions
Earnest
- Year: 2017
- Acquisition Price (USD millions): 155
- Strategic Rationale: Earnest was acquired to expand Navient's presence in the private student loan market and enhance its technology platform.
Growth Trajectory and Initiatives
Historical Growth: Navient's historical growth has been influenced by changes in student loan volumes and regulatory policies.
Future Projections: Future growth projections depend on factors such as student enrollment, interest rates, and government initiatives.
Recent Initiatives: Recent initiatives include efforts to improve servicing efficiency, expand into new markets, and address regulatory concerns.
Summary
Navient, as the issuer of SR NT 6% 121543, is a major player in student loan servicing and asset management. The bond's creditworthiness is tied to Navient's financial health, which is influenced by regulatory policies, competition, and economic conditions. Regulatory scrutiny and reputational risks are key challenges. Strong financial management and strategic initiatives are important for maintaining the bond's value. Monitoring Navient's financial performance is important when considering this bond.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- News Articles
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a financial advisor.
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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