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 also 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.
Loan Dynamics | Explore Navient's shifting landscape as repayment rates fluctuate, impacting Net Interest Margin and long-term profitability in the education loan secto |
Regulatory Challenges | Delve into Navient's $120 million CFPB settlement and ongoing regulatory scrutiny, shaping the company's operational environment and future prospects |
Strategic Restructuring | Learn how Navient's business restructuring, including the sale of its healthcare BPS segment, aims to streamline operations and boost profitability |
Market Outlook | Analysts set an average price target of $11, reflecting cautious optimism amid Navient's efforts to navigate regulatory pressures and market volatility |
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 | 18.7x | 30.8x | 8.8x | |
PEG Ratio | −0.25 | 0.04 | 0.03 | |
Price/Book | 0.5x | 2.6x | 1.0x | |
Price / LTM Sales | 1.4x | 3.5x | 2.8x | |
Upside (Analyst Target) | 9.2% | −13.9% | 14.8% | |
Fair Value Upside | Unlock | −29.4% | 2.5% | Unlock |