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 Shifts | Explore Navient's recent sale of its healthcare BPS segment and aggressive cost-cutting plan, signaling a major restructuring effort amid industry challenges |
Regulatory Landscape | Delve into Navient's $120 million settlement with CFPB and ongoing regulatory scrutiny, highlighting the complex legal environment for student loan servicers |
Market Dynamics | Learn how declining FFELP Trust repayment rates and potential Fed rate cuts could impact Navient's profitability and Net Interest Margin |
Future Outlook | Analysts set an average price target of $11, reflecting mixed views on Navient's ability to navigate strategic changes and capitalize on market opportunities |
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 | 24.7x | 3.0x | 9.1x | |
PEG Ratio | −0.37 | 0.06 | 0.03 | |
Price/Book | 0.5x | 1.4x | 1.0x | |
Price / LTM Sales | 2.0x | 2.1x | 2.7x | |
Upside (Analyst Target) | −8.5% | 15.4% | 12.0% | |
Fair Value Upside | Unlock | 5.3% | 2.6% | Unlock |