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Upturn AI SWOT - About
NAVI 
Navient Corp (NAVI)
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Upturn Advisory Summary
09/16/2025: 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 $14.1
1 Year Target Price $14.1
| 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 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.30B USD | Price to earnings Ratio 40.91 | 1Y Target Price 14.1 |
Price to earnings Ratio 40.91 | 1Y Target Price 14.1 | ||
Volume (30-day avg) 10 | Beta 1.37 | 52 Weeks Range 10.28 - 15.88 | Updated Date 09/16/2025 |
52 Weeks Range 10.28 - 15.88 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 4.97% | 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 40.91 | Forward PE 9.19 | Enterprise Value 47718551552 | Price to Sales(TTM) 2.23 |
Enterprise Value 47718551552 | Price to Sales(TTM) 2.23 | ||
Enterprise Value to Revenue 64.72 | Enterprise Value to EBITDA - | Shares Outstanding 99431000 | Shares Floating 67849752 |
Shares Outstanding 99431000 | Shares Floating 67849752 | ||
Percent Insiders 2.64 | Percent Institutions 104.3 |
Upturn AI SWOT
Navient Corp
Company Overview
History and Background
Navient Corp was formed in 2014 as a spin-off from Sallie Mae, separating the student loan servicing and asset management businesses. It primarily focuses on servicing and collecting student loans.
Core Business Areas
- Federal Education Loan Servicing: Services federal student loans on behalf of the U.S. Department of Education.
- Private Education Loan Servicing: Services private student loans.
- Asset Recovery: Provides debt collection services.
Leadership and Structure
Navient's leadership team consists of a CEO, CFO, and other executives overseeing various business units. The organizational structure is hierarchical, with different departments responsible for specific functions.
Top Products and Market Share
Key Offerings
- Federal Student Loan Servicing: Services federal student loans. Market share fluctuates based on Department of Education contracts. Competitors include Maximus (MMS), EdFinancial Services, and Nelnet (NNI).
- Private Student Loan Servicing: Services private student loans. Market share varies, with competitors including Wells Fargo (WFC) (formerly) and Discover (DFS).
- Debt Collection Services: Provides debt collection services for various clients. Market share is fragmented. Competitors include Encore Capital Group (ECPG) and PRA Group (PRAA).
Market Dynamics
Industry Overview
The student loan servicing industry is heavily regulated and influenced by government policies. Demand is driven by the number of student loans outstanding and the need for repayment services.
Positioning
Navient is a major player in student loan servicing and asset recovery, although its reputation has been challenged due to lawsuits and regulatory scrutiny. The firm has focused on diversification through technology and data analytics.
Total Addressable Market (TAM)
The TAM for student loan servicing is estimated to be in the hundreds of billions of dollars, tied to the outstanding student loan debt. Navient services a sizable portion but faces regulatory and competitive pressure.
Upturn SWOT Analysis
Strengths
- Extensive experience in loan servicing
- Established infrastructure and technology platform
- Significant scale and operational efficiency
- Strong relationships with lending institutions
Weaknesses
- Reputational damage from lawsuits and regulatory scrutiny
- Reliance on government contracts
- Exposure to regulatory changes and political risks
- Customer service challenges
Opportunities
- Expansion into new servicing markets
- Development of innovative repayment solutions
- Leveraging technology to improve customer experience
- Acquisition of smaller servicing companies
Threats
- Increased regulatory oversight and enforcement
- Competition from other servicing companies
- Changes in government loan programs
- Economic downturns leading to higher default rates
Competitors and Market Share
Key Competitors
- SLM
- MMS
- NNI
- ECPG
- PRAA
Competitive Landscape
Navient faces stiff competition in the student loan servicing industry. Regulatory challenges create both opportunities and threats.
Major Acquisitions
Earnest
- Year: 2017
- Acquisition Price (USD millions): 155
- Strategic Rationale: Expanded Navient's offerings to include student loan refinancing.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been affected by regulatory challenges and changes in the student loan market.
Future Projections: Future growth projections are uncertain due to regulatory uncertainties and competition.
Recent Initiatives: Navient has focused on technology investments and diversification into new servicing markets.
Summary
Navient, a major player in student loan servicing, faces a complex landscape. Its strengths lie in its experience and infrastructure, but reputational damage and regulatory risks present significant challenges. Diversification and technological advancements are key to future growth. While it holds a decent market share, competition and government policy changes remain major factors to watch.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings
- Company reports
- Industry publications
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Market share and financial data are estimates and may vary. Investment decisions should be based on thorough research and consultation with a qualified 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 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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