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Upturn AI SWOT - About
NAVI 
Navient Corp (NAVI)
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Upturn Advisory Summary
08/28/2025: 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 $14.4
1 Year Target Price $14.4
| 1 | Strong Buy |
| 0 | Buy |
| 7 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -15.32% | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.36B USD | Price to earnings Ratio 42.69 | 1Y Target Price 14.4 |
Price to earnings Ratio 42.69 | 1Y Target Price 14.4 | ||
Volume (30-day avg) 10 | Beta 1.39 | 52 Weeks Range 10.41 - 16.07 | Updated Date 08/29/2025 |
52 Weeks Range 10.41 - 16.07 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 4.71% | Basic EPS (TTM) 0.32 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.65% | Operating Margin (TTM) 15.13% |
Management Effectiveness
Return on Assets (TTM) 0.06% | Return on Equity (TTM) 1.24% |
Valuation
Trailing PE 42.69 | Forward PE 9.72 | Enterprise Value 47775227904 | Price to Sales(TTM) 2.33 |
Enterprise Value 47775227904 | Price to Sales(TTM) 2.33 | ||
Enterprise Value to Revenue 64.83 | Enterprise Value to EBITDA - | Shares Outstanding 99431000 | Shares Floating 67849752 |
Shares Outstanding 99431000 | Shares Floating 67849752 | ||
Percent Insiders 2.64 | Percent Institutions 104.21 |
Upturn AI SWOT
Navient Corp
Company Overview
History and Background
Navient Corp was formerly part of Sallie Mae. In 2014, Sallie Mae split into two separate entities: Navient and Sallie Mae Bank. Navient focused on loan servicing, collections, and asset recovery, while Sallie Mae Bank continued to originate and service student loans.
Core Business Areas
- Federal Education Loans: Servicing FFELP loans guaranteed by the U.S. Department of Education.
- Private Education Loans: Servicing and collecting private education loans.
- Business Processing Solutions: Providing business process outsourcing solutions for government and healthcare clients.
Leadership and Structure
Navient has a board of directors and an executive leadership team responsible for overseeing the company's operations and strategy.
Top Products and Market Share
Key Offerings
- Federal Education Loan Servicing (FFELP): Services FFELP loans. Market share is difficult to pinpoint due to the government involvement and changes over time. Competitors: Nelnet (NNI), Great Lakes Higher Education Corporation (private), MOHELA (private). Revenue varies annually based on loan volume under management.
- Private Education Loan Servicing: Services private education loans. Market share is also hard to determine as some is performed 'in-house' by the lenders themselves. Competitors include other servicing companies and the lenders themselves. Revenue varies based on loan volume.
- Business Processing Solutions: Provides outsourced business process solutions. Market share is diffused. Competitors include Conduent (CNDT), Maximus (MMS).
Market Dynamics
Industry Overview
The loan servicing industry faces increasing regulatory scrutiny and is influenced by macroeconomic factors like interest rates and unemployment. The trend of student loan forgiveness also adds volatility.
Positioning
Navient is a significant player in student loan servicing. They have historically faced legal challenges regarding their servicing practices. Their competitive advantage resides with economies of scale and existing servicing platform.
Total Addressable Market (TAM)
The TAM for loan servicing is in the billions annually. Navient's position within this TAM depends on the volume of loans they service and the rates at which they are able to service them. This is a portion of total student debt outstanding which is in the trillions.
Upturn SWOT Analysis
Strengths
- Established servicing platform
- Economies of scale
- Experience in loan management
Weaknesses
- Regulatory scrutiny and legal challenges
- Reputational damage
- Reliance on loan volume
Opportunities
- Expansion of business processing solutions
- New partnerships with lenders
- Technological innovation in servicing
Threats
- Increased regulation
- Student loan forgiveness programs
- Competition from other servicers
Competitors and Market Share
Key Competitors
- NNI
- MMS
- CNDT
Competitive Landscape
Navient is a major player in the loan servicing market, but faces intense competition from Nelnet, Maximus, and other companies that focus on outsourced business solutions. They are disadvantaged due to their tarnished brand reputation which will continue to be an uphill battle.
Major Acquisitions
Earnest
- Year: 2017
- Acquisition Price (USD millions): 155
- Strategic Rationale: Acquiring Earnest expanded Navient's reach into the private student loan origination market and provided a technology platform for online lending.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require real-time data that is not possible to provide in this format.
Future Projections: Future projections require real-time data that is not possible to provide in this format.
Recent Initiatives: Recent initiatives require real-time data that is not possible to provide in this format.
Summary
Navient Corp is a large loan servicing company that focuses on federal and private education loans. While it benefits from economies of scale and an established platform, it is challenged by regulations, reputational damage, and macroeconomic concerns. Strategic initiatives, especially regarding business process solutions, will be important. The company needs to carefully watch policy changes in student debt forgiveness which could greatly impact their bottom line.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions 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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