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NAVI 
Navient Corp (NAVI)
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Upturn Advisory Summary
11/28/2025: 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 $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 11/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.23B 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 11/30/2025 |
52 Weeks Range 10.28 - 15.88 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 5.13% | 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 -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 9.35 | Enterprise Value 47003082752 | Price to Sales(TTM) 2.78 |
Enterprise Value 47003082752 | Price to Sales(TTM) 2.78 | ||
Enterprise Value to Revenue 64.84 | Enterprise Value to EBITDA - | Shares Outstanding 97506705 | Shares Floating 65925258 |
Shares Outstanding 97506705 | Shares Floating 65925258 | ||
Percent Insiders 2.71 | Percent Institutions 105.02 |
Upturn AI SWOT
Navient Corp
Company Overview
History and Background
Navient Corp, formerly part of Sallie Mae, was established in 2014 as a separate entity to service student loans. Its evolution includes a focus on loan management and 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.
- Private Education Loans: Management and servicing of private student loans.
- Business Processing Solutions: Providing business processing solutions to healthcare, government, and other industries.
Leadership and Structure
The leadership team includes the CEO, CFO, and other executive officers. The organizational structure is typical of a publicly traded company, with various departments focusing on different aspects of the business.
Top Products and Market Share
Key Offerings
- Federal Loan Servicing: Navient services federal student loans under contract. Market share fluctuates depending on contract awards. Competitors include MOHELA, Nelnet, and Great Lakes.
- Private Loan Servicing: Manages and services private student loans. Market share is smaller and more fragmented. Competitors include Sallie Mae and Discover.
- Business Processing Solutions: Offers business processing solutions. Revenue from this is significant. Competitors include Accenture and Conduent.
Market Dynamics
Industry Overview
The student loan servicing industry is highly regulated and competitive. It is influenced by government policies, interest rates, and default rates.
Positioning
Navient Corp is positioned as a major player in the student loan servicing industry, with a focus on efficiency and compliance.
Total Addressable Market (TAM)
The TAM for student loan servicing is estimated to be in the hundreds of billions of dollars. Navient Corp's positioning allows it to capture a significant share of this market. Total student loan debt outstanding is approximately $1.7 Trillion
Upturn SWOT Analysis
Strengths
- Established market presence
- Experience in loan servicing
- Contractual relationships with the government
- Strong brand recognition
Weaknesses
- Reputational challenges related to servicing practices
- Dependence on government contracts
- Regulatory scrutiny
- Potential for increased competition
Opportunities
- Expansion into new markets
- Diversification of services
- Adoption of new technologies
- Growth in the demand for business processing solutions
Threats
- Changes in government regulations
- Increased competition
- Economic downturns affecting loan repayment rates
- Negative publicity affecting brand image
Competitors and Market Share
Key Competitors
- SLM
- NLC
- FFELP
Competitive Landscape
Navient Corp faces competition from other loan servicers, as well as companies offering business processing solutions. They have a strong market and reputation.
Major Acquisitions
GFS
- Year: 2014
- Acquisition Price (USD millions): 350
- Strategic Rationale: Expanded Navient's business processing solutions capabilities.
Growth Trajectory and Initiatives
Historical Growth: Growth trends have been influenced by the student loan market and government policies. Historical Growth needs to be updated with new financials.
Future Projections: Future growth is dependent on market conditions and strategic initiatives. No analyst estimates were given at this time.
Recent Initiatives: Recent initiatives includes focusing on business processing solutions and asset recovery.
Summary
Navient is a leading student loan servicer facing a complex regulatory environment and reputational challenges. Its established market presence and contractual relationships with the government are strengths. Opportunities for diversification and expansion exist, but the company must navigate potential threats from regulatory changes and increased competition. Focusing on business processing solutions can also improve the company's performance.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Press Releases
- Market Analysis Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered as financial advice. Data may be 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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