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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.
Strategic Shift | Delve into Navient's ambitious cost reduction plan and its potential impact on profitability, as the company navigates execution risks and market uncertainties |
Financial Outlook | Explore Navient's mixed Q1 2025 results, with EPS outperformance and strong loan originations, balanced against cautious FY25 guidance and credit risk concerns |
Market Dynamics | Uncover how interest rate fluctuations and repayment trends in Navient's loan portfolio could shape its Net Interest Margin and overall financial performance |
Analyst Perspectives | Barclays maintains an Underweight rating with a price target range of $10-$11, reflecting concerns about Navient's strategic execution and growth prospects |
Metrics to compare | NAVI | Sector Sector - Average of metrics from a broad group of related Financial sector companies | Relationship RelationshipNAVIPeersSector | |
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P/E Ratio | 40.0x | −5.7x | 9.8x | |
PEG Ratio | −0.52 | 0.01 | 0.03 | |
Price/Book | 0.5x | 0.6x | 1.0x | |
Price / LTM Sales | 2.3x | 1.7x | 2.9x | |
Upside (Analyst Target) | 5.3% | 20.9% | 13.4% | |
Fair Value Upside | Unlock | 14.8% | 0.8% | Unlock |