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NAVI 
Navient Corp (NAVI)
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Upturn Advisory Summary
11/14/2025: 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.
Number of Analysts
10 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $12.89
1 Year Target Price $12.89
| 1 | Strong Buy |
| 0 | Buy |
| 7 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -16.59% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.19B USD | Price to earnings Ratio - | 1Y Target Price 12.89 |
Price to earnings Ratio - | 1Y Target Price 12.89 | ||
Volume (30-day avg) 10 | Beta 1.31 | 52 Weeks Range 10.28 - 15.88 | Updated Date 11/16/2025 |
52 Weeks Range 10.28 - 15.88 | Updated Date 11/16/2025 | ||
Dividends yield (FY) 5.25% | Basic EPS (TTM) -0.52 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-29 | When Before Market | Estimate 0.2 | Actual -0.84 |
Profitability
Profit Margin -11.51% | Operating Margin (TTM) 1614.29% |
Management Effectiveness
Return on Assets (TTM) -0.1% | Return on Equity (TTM) -1.99% |
Valuation
Trailing PE - | Forward PE 9.11 | Enterprise Value 46970904576 | Price to Sales(TTM) 2.69 |
Enterprise Value 46970904576 | Price to Sales(TTM) 2.69 | ||
Enterprise Value to Revenue 64.8 | Enterprise Value to EBITDA - | Shares Outstanding 97506705 | Shares Floating 65925258 |
Shares Outstanding 97506705 | Shares Floating 65925258 | ||
Percent Insiders 2.71 | Percent Institutions 104.95 |
Upturn AI SWOT
Navient Corp
Company Overview
History and Background
Navient was formed in 2014 as a spin-off from Sallie Mae (SLM). It primarily focused on servicing and collecting student loans, including both federal and private loans. Over time, Navient has faced increased scrutiny regarding its loan servicing practices.
Core Business Areas
- Loan Servicing: Servicing federal and private student loans, including billing, payment processing, and customer service. It involves managing loan portfolios on behalf of lenders and investors.
- Asset Recovery: Collecting defaulted student loans. This includes working with borrowers to establish repayment plans and pursuing legal action when necessary.
Leadership and Structure
Navient has a typical corporate structure with a board of directors and an executive leadership team led by a CEO. The organizational structure includes various departments responsible for different business functions, such as loan servicing, finance, and compliance.
Top Products and Market Share
Key Offerings
- Federal Student Loan Servicing: Navient services a significant portion of federal student loans. Competitors include Nelnet (NNI), Great Lakes Educational Loan Services, and MOHELA. Market share data specific to Navient's portion of federal loan servicing is difficult to pinpoint due to fluctuations in government contracts and servicing assignments.
- Private Student Loan Servicing: Navient also services private student loans. Competitors include Sallie Mae (SLM) and Discover Financial Services (DFS).
Market Dynamics
Industry Overview
The student loan servicing industry is heavily regulated and subject to government policy changes. It is influenced by factors like interest rates, unemployment rates, and government initiatives related to student loan forgiveness and repayment options.
Positioning
Navient is a major player in the student loan servicing industry, with a large portfolio of loans under management. However, it has faced reputational challenges due to allegations of unfair servicing practices. Its competitive advantage previously lay in its scale and experience, but regulatory pressures have shifted the landscape.
Total Addressable Market (TAM)
The total student loan debt in the US is over $1.7 trillion. Navient's TAM relates to the servicing fees generated from this outstanding debt and collections revenue. The company's positioning within this TAM is complex, as it navigates regulatory scrutiny and evolving government policies.
Upturn SWOT Analysis
Strengths
- Experience in loan servicing
- Large loan portfolio under management
- Established infrastructure for collections
Weaknesses
- Reputational damage from lawsuits and allegations
- Reliance on government contracts
- Vulnerability to regulatory changes
- Potential for loan defaults to impact revenue
Opportunities
- Expansion into new loan servicing markets
- Development of new financial products and services
- Improved compliance and customer service initiatives
Threats
- Increased regulation of the student loan industry
- Potential for student loan forgiveness programs
- Competition from other loan servicers
- Economic downturn affecting borrowers' ability to repay loans
Competitors and Market Share
Key Competitors
- SLM
- NNI
- DFS
Competitive Landscape
Navient faces intense competition. Its advantages were rooted in its scale and operational efficiency, while disadvantages stem from reputational issues and regulatory pressures. Some competitors have stronger reputations for customer service.
Growth Trajectory and Initiatives
Historical Growth: Historical data needs to be retrieved from past filings to be updated with current values.
Future Projections: Future projections would require careful analysis of current market positions and strategies and analyst estimates.
Recent Initiatives: Recent initiatives involved refocusing their business strategies.
Summary
Navient, formerly a major player in student loan servicing, faces ongoing regulatory scrutiny and has shifted its business focus. While it possesses experience and infrastructure, reputational damage and vulnerability to government policies pose significant challenges. Future success depends on Navient's ability to adapt to a changing regulatory landscape and manage its reputational risk effectively. The industry is intensely competitive so needs to innovate.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC filings
- Company reports
- Financial news sources
- Market research reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance are subject to change.
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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