Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
NAVI
STRONG SELLNavient Corporation · Financial Services · United States · $774M · Avg Vol: $9M/d
COMPANY DESCRIPTION
Navient Corporation is a prominent provider of education loan management and business processing services, specializing in the servicing of federal and private student loans. The company's competitive advantage is rooted in its vast operational scale, deep expertise in loan servicing, and proprietary data analytics, which allow it to efficiently manage a significant portfolio of educational debt. Its specialized role in a highly regulated sector creates substantial barriers to entry for competitors.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.7B | 1.3B | 961.0M | 610.0M | -29.4% | 329.0M | 620.9M | 697.5M | 6.9% |
| EPS | 4.54 | 1.87 | 1.20 | -0.81 | -48.6% | -0.62 | — | — | — |
| Shares | 130.0M | 113.5M | 103.0M | 95.7M | -26.4% | 94.0M | — | — | — |
| Debt | 66.6B | 57.3B | 47.9B | 45.2B | -12.1% | 45.2B | — | — | — |
| Equity | 3.0B | 2.8B | 2.6B | 2.4B | -6.9% | — | — | — | — |
| Op CF | 305.0M | 676.0M | 459.0M | 441.0M | 13.1% | 323.0M | — | — | — |
| Inv CF | 10.6B | 7.4B | 8.5B | 2.7B | — | — | — | — | — |
| Fin CF | -9.7B | -10.0B | -9.6B | -3.2B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of NAVI are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| NAVI | Navient Corporation(you) | $774M | 19 | STRONG SELL |
| PRAA | PRA Group, Inc. | $648M | 41 | HOLD |
| UPST | Upstart Holdings, Inc. | $2.6B | 12 | STRONG SELL |
| GDOT | Green Dot Corporation | $753M | 61 | HOLD |
| OPRT | Oportun Financial Corporation | $257M | 40 | HOLD |
| WRLD | World Acceptance Corporation | $950M | 59 | HOLD |
| FOA | Finance of America Companies Inc. | $204M | 37 | HOLD |
| NNI | Nelnet, Inc. | $4.8B | 32 | SELL |
| AGM | Federal Agricultural Mortgage Corporation | $2.3B | 48 | HOLD |
| SLM | SLM Corporation | $4.6B | 34 | SELL |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%