Manages federal education loans insured or guaranteed by state or non-profit agencies. Services its own loan portfolio and provides asset recovery services. Now — the numbers.
Revenue is spread across several business lines; no single line carries the company.
The company closed last year at a loss: costs ran above sales. The picture changes only if spending is reined in.
At this burn rate the cash pile isn’t the pressing question — for now, time is on the company’s side.
This company is not turning a profit, so the market is pricing its sales instead: 0.3× for every dollar of annual revenue.
Against companies in its own sector, it looks cheaper than 98% of them.
Analysts' average target sits 10% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
Clearly below the class average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
The stock trades 58% below its peak. The market has trimmed its expectations for the company.
It pays out $0.64 per share each year — regular cash for whoever holds the stock.
A loss of $80M against $3.2B in annual sales. And on top of that, sales fell from the year before.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 16/100.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 31/100. For a turnaround signal, the stock first needs to close the gap with the market.
On our five-subject report card, NAVI sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: NAVI’s sales are going backwards, and it closed last year at a loss. The road back runs through both.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.