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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 | |
|---|---|---|---|---|
P/E Ratio | −14.7x | 1.9x | 9.9x | |
PEG Ratio | 0.06 | 0.05 | 0.03 | |
Price/Book | 0.4x | 0.5x | 1.0x | |
Price / LTM Sales | 2.7x | 3.2x | 2.9x | |
Upside (Analyst Target) | −5.9% | 31.8% | 15.6% | |
Fair Value Upside | Unlock | 6.9% | 2.1% | Unlock |
Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand. It also 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. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.