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Upturn AI SWOT - About
NAVI 
Navient Corp (NAVI)
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Upturn Advisory Summary
06/30/2025: NAVI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $13.15
1 Year Target Price $13.15
| 1 | Strong Buy |
| 0 | Buy |
| 7 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -14.6% | Avg. Invested days 26 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.42B USD | Price to earnings Ratio 27 | 1Y Target Price 13.15 |
Price to earnings Ratio 27 | 1Y Target Price 13.15 | ||
Volume (30-day avg) 10 | Beta 1.42 | 52 Weeks Range 10.41 - 16.23 | Updated Date 06/30/2025 |
52 Weeks Range 10.41 - 16.23 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.56% | Basic EPS (TTM) 0.52 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.01% | Operating Margin (TTM) -1.59% |
Management Effectiveness
Return on Assets (TTM) 0.1% | Return on Equity (TTM) 2.09% |
Valuation
Trailing PE 27 | Forward PE 9.65 | Enterprise Value 48660738048 | Price to Sales(TTM) 2.03 |
Enterprise Value 48660738048 | Price to Sales(TTM) 2.03 | ||
Enterprise Value to Revenue 58.62 | Enterprise Value to EBITDA - | Shares Outstanding 101150000 | Shares Floating 70136632 |
Shares Outstanding 101150000 | Shares Floating 70136632 | ||
Percent Insiders 2.63 | Percent Institutions 103.36 |
Analyst Ratings
Rating 4 | Target Price 13.15 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 7 | Sell 1 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
Navient Corp
Company Overview
History and Background
Navient Corp was formed in 2014 as a spin-off from Sallie Mae. It focuses on student loan servicing, asset recovery, and business processing solutions.
Core Business Areas
- Federal Education Loans: Servicing federal student loans under contract with the U.S. Department of Education. They are winding down this division
- Private Education Loans: Servicing and collection of private education loans.
- Business Processing Solutions: Providing business processing and asset recovery services to various clients.
Leadership and Structure
Navient Corp's leadership team includes the CEO and other key executives. The organizational structure comprises various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Student Loan Servicing: Navient primarily earns revenue from servicing student loans. In the past, the company dominated the federal loan servicing market, but it has transferred its Department of Education contract to Aidvantage. Market share information is shifting in 2024. Competitors include Aidvantage, MOHELA, and Nelnet.
- Asset Recovery: Navient provides asset recovery services, helping clients recover outstanding debts. Market share data for this service is not readily available. Competitors include Collection Agencies.
- Business Processing: Navient provides services, helping businesses improve their operational efficiency. Market share data for this service is not readily available. Competitors include numerous BPOs.
Market Dynamics
Industry Overview
The student loan servicing industry is undergoing significant changes due to government regulations and shifts in loan portfolios. The asset recovery industry continues to serve as an important role for various businesses
Positioning
Navient is transitioning as its Federal Student Loan Servicing is winding down. Navient needs to be a leader in the asset recovery and business processing businesses.
Total Addressable Market (TAM)
TAM for student loan servicing is estimated in the billions annually. The TAM for asset recovery is also significant, driven by increasing consumer debt. Navient's positioning will need to adjust to compete effectively.
Upturn SWOT Analysis
Strengths
- Experience in student loan servicing
- Established infrastructure for asset recovery
- Strong relationships with government and private sector clients
Weaknesses
- Reputational damage from past controversies
- Dependence on government contracts for student loan servicing
- Transitioning market environment of student loan servicing
Opportunities
- Expanding asset recovery services to new markets
- Diversifying into new business processing solutions
- Leveraging technology to improve efficiency
Threats
- Increased regulatory scrutiny
- Competition from other loan servicers and asset recovery firms
- Changes in government policies related to student loans
Competitors and Market Share
Key Competitors
- SLM
- NEL
Competitive Landscape
Navient faces stiff competition in both the student loan servicing and asset recovery markets. Differentiation is key to gaining a competitive edge.
Major Acquisitions
Gila LLC
- Year: 2015
- Acquisition Price (USD millions): 185
- Strategic Rationale: Expanded Navient's capabilities in government collections and enhanced its asset recovery services.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been influenced by changes in the student loan market.
Future Projections: Future growth depends on its success in diversifying revenue streams and expanding its asset recovery business.
Recent Initiatives: Recent initiatives include investments in technology and strategic partnerships to improve operational efficiency.
Summary
Navient is undergoing a transition, winding down its federal loan servicing business while focusing on asset recovery and business processing. Past controversies and dependence on government contracts pose challenges. Success hinges on effectively diversifying revenue streams and capitalizing on opportunities in new markets. It is important to analyze the company to ensure its new ventures can match its previous revenue streams before its federal loan contracts fully end.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Market Research Reports
- News Articles
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance may change over time.
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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