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.
Financial Rebound | Navient's revised full-year 2024 core EPS guidance of $2.45-$2.50 signals improved financial outlook despite Q4 projections falling short of expectations |
Strategic Shifts | Delve into Navient's divestiture of non-core assets, including the healthcare BPS segment, and its impact on operational efficiency and market positioning |
Regulatory Landscape | Explore the implications of Navient's $120 million settlement with CFPB and how it shapes the company's future regulatory environment |
Market Valuation Gap | Analysts maintain an average price target of $11, significantly below Navient's trading price, highlighting the disconnect between market sentiment and expert analysis |
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 | 20.8x | 7.5x | 8.7x | |
PEG Ratio | −0.28 | 0.10 | 0.03 | |
Price/Book | 0.6x | 0.7x | 1.0x | |
Price / LTM Sales | 1.6x | 3.7x | 2.8x | |
Upside (Analyst Target) | −1.8% | 8.1% | 10.1% | |
Fair Value Upside | Unlock | 13.0% | 2.8% | Unlock |