Ultime notizie per Navient (NASDAQ:NAVI) Azioni

Navient

Navient Corp provides technology-enabled education finance and business processing solutions that simplify complex programs and help millions of people achieve success. It operates business in three segments: Federal Education Loans, Consumer Lending and Business Processing.

Navient Corp

NAVIENT ORD

NAVIOS MARITIME HLDGS INC COM SHS

NAVIOS MARITIME PARTNERS UNT

NAVIDEA BIOPHARMS INC by Navidea Biopharmaceuticals, Inc.

Navidea Biopharmaceuticals Inc

Navient Corporation - 6% Senior Notes due December 15, 2043

NAVIGATOR GLOBAL INVTS by Navigator Global Invts Ltd.

Navigator Global Investments Ltd

Navigator Holdings Ltd. Ordinary Shares (Marshall Islands)

Navigator Holdings Ltd

NAVIOS MARITIME S/ADR G by Navios Maritime Holdings, Inc.

Navios Maritime Holdings Inc

NAVIOS MARITIME S/ADR H by Navios Maritime Holdings, Inc.

Navios Maritime Partners LP Common Units Representing Limited Partner Interests

Navios Maritime Partners LP

Navios South American Logistics Inc

Navitas Petroleum Limited Partnership Ordinary Shares

Navitas Petroleum LP

Navitas Semiconductor Corporation - Common Stock

Navitas Semiconductor Corp

TD Cowen analyst Moshe Orenbuch maintains Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) with a Sell and lowers the price target from $14 to $13.

News

Price Target

Analyst Ratings

NAVI

TD Cowen Maintains Sell on Navient, Lowers Price Target to $13

Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) reported quarterly earnings of $1.45 per share which beat the analyst consensus estimate of $0.25 by 480 percent. The company reported quarterly sales of $140.000 million which missed the analyst consensus estimate of $150.375 million by 6.90 percent. This is a 50.00 percent decrease over sales of $280.000 million the same period last year.

Earnings

Earnings Beats

Earnings Misses

Navient Q3 2024 Adj. EPS $1.45 Beats $0.25 Estimate, Sales $140.000M Miss $150.375M Estimate

Barclays analyst Terry Ma maintains Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) with a Underweight and raises the price target from $10 to $11.

Barclays Maintains Underweight on Navient, Raises Price Target to $11

JP Morgan analyst Richard Shane maintains Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) with a Neutral and raises the price target from $15 to $16.

JP Morgan Maintains Neutral on Navient, Raises Price Target to $16

Analysts' ratings for Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) over the last quarter vary from bullish to bearish, as provided by 5 analysts.
Summarizing their recent assessments, the table below illustrates the evolving sentiments in the past 30 days and compares them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">4</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $14.6, a high estimate of $17.00, and a low estimate of $10.00. A negative shift in sentiment is evident as analysts have decreased the average price target by 1.02%. 
<img src="https://www.benzinga.com/files/images/story/2024/1727712015_0.png" alt="price target chart" />
<h2>Investigating Analyst Ratings: An Elaborate Study</h2>
In examining recent analyst actions, we gain insights into how financial experts perceive Navient. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Nathaniel Richam-Odoi</td>
<td>B of A Securities</td>
<td>Announces</td>
<td>Neutral</td>
<td>$17.00</td>
<td>-</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$16.00</td>
<td>$15.00</td>
</tr>
<tr>
<td>Terry Ma</td>
<td>Barclays</td>
<td>Lowers</td>
<td>Underweight</td>
<td>$10.00</td>
<td>$11.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$15.00</td>
<td>$16.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Lowers</td>
<td>Market Perform</td>
<td>$15.00</td>
<td>$17.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Navient. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Providing a comprehensive analysis, analysts offer qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Navient compared to the broader market.</li>
<li>Price Targets: Delving into movements, analysts provide estimates for the future value of Navient's stock. This analysis reveals shifts in analysts' expectations over time.</li>
</ul>
Capture valuable insights into Navient's market standing by understanding these analyst evaluations alongside pertinent financial indicators. Stay informed and make strategic decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/NAVI/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Navient analyst ratings.</a>
If you are interested in following small-cap stock news and performance <a href="https://www.benzinga.com/news/small-cap">you can start by tracking it here</a>.
<h2>About Navient</h2>
Navient Corp provides technology-enabled education finance and business processing solutions that simplify complex programs and help millions of people achieve success. It operates business in three segments: Federal Education Loans, Consumer Lending and Business Processing.
<h3>Key Indicators: Navient's Financial Health</h3>
Market Capitalization Analysis: Falling below industry benchmarks, the company's market capitalization reflects a reduced size compared to peers. This positioning may be influenced by factors such as growth expectations or operational capacity.
Negative Revenue Trend: Examining Navient's financials over 3 months reveals challenges. As of 30 June, 2024, the company experienced a decline of approximately -19.54% in revenue growth, reflecting a decrease in top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Navient's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 14.57%, the company showcases strong profitability and effective cost management.
Return on Equity (ROE): Navient's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of 1.31%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): Navient's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 0.06%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: Navient's debt-to-equity ratio surpasses industry norms, standing at 19.06. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
<h2>How Are Analyst Ratings Determined?</h2>
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

The Latest Analyst Ratings For Navient

B of A Securities analyst Nathaniel Richam-Odoi initiates coverage on Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) with a Neutral rating and announces Price Target of $17.

Initiation

B of A Securities Initiates Coverage On Navient with Neutral Rating, Announces Price Target of $17

Navient Agreed To Pay Monetary Penalty Of $20mln Plus Additional Monetary Relief & Redress Of $100M To Population Of Borrowers Determined By CFPB; Also Agreed Not To Re-Enter Servicing Of Federal Student Loans And Not To Acquire Any Additional Ownership Interest In FFELP Loans; Does Not Expect Restrictions To Impact Its Business Plans

US CFPB Seeks Court Approval For Final Judgment To Resolve Lawsuit Against Navient; Judgment Would Permanently Ban Navient From Servicing Direct Loans And Acquiring Or Servicing FFELP Loans

Millions of Americans are poised to take hits to <a href="https://www.benzinga.com/top-stories/24/08/40611128/us-supreme-court-declines-to-revive-biden-administrations-student-debt-relief-plan">their credit ratings</a> as the Biden administration&#8217;s one-year moratorium on reporting late student loan payments to credit agencies will come to an end in just a few weeks.
About 9.7 million, or 29%, of student loan borrowers in the U.S. were late on payments, according a <a href="http://chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://www.gao.gov/assets/880/870313.pdf">report </a>released in late July by the Government Accountability Office. About 60% of those borrowers were at least three months behind in payments.
 In March 2020, a forbearance on student loans put in place by former President Donald Trump allowed borrowers to stop making loan payments without incurring interest costs and getting reported to the credit agencies.
Read Also: <a href="https://www.benzinga.com/top-stories/24/08/40611128/us-supreme-court-declines-to-revive-biden-administrations-student-debt-relief-plan">US Judge Temporarily Blocks Biden&#8217;s Latest Student Loan Relief Plan: Why It Matters</a>
That forbearance ended on Sept. 30, 2023, so President Joe Biden implemented a 12-month &#8220;on-ramp&#8221; period during which student loan servicers could not report loan delinquencies to credit agencies.
That provision will end on Sept. 30, leaving millions of borrowers who are still late on their loans open to damaging hits to their credit scores, which banks use to approve loans, landlords use to approve rental agreements and so on. 
Transfers from Education to the Treasury indicate a steady fall in student loan repayments over the past year. Last summer, monthly transfers were about $7 billion, but that figure fell last month the figure to $4.1 billion.
The Biden administration has forgiven some $168.5 billion in student debt through various programs, but the courts have blocked its attempts to pass a Save on a Valuable Education (SAVE) student loan relief program.
Most recently, U.S. District Judge J. Randal Hall temporarily blocked the Biden administration&#8217;s latest student debt relief plan on Sept. 5 in a lawsuit brought by Seven Republican-led states.
Price Action:&nbsp;Student loan servicers fell and rose into Monday's mid-afternoon trading.
<ul>
<li>SoFi Technologies, Inc.&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>) gained 1.50% to $7.11</li>
<li>Navient Corporation&nbsp;(NASDSQ: NAVI) declined 1.70% to $15.57</li>
<li>SLM Corporation&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) rose 0.62% to $20.26</li>
</ul>
Meanwhile, exchange-traded funds that hold SoFi shares registered gains.
<ul>
<li>Trenchless Fund ETF&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/RVER#NASDAQ">RVER</a>) rose 1.32%</li>
<li>ARK Fintech Innovation ETF&nbsp;&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ARKF#NYSE">ARKF</a>) went up 2.47%</li>
<li>VanEck Social Sentiment ETF&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BUZZ#NYSE">BUZZ</a>) gained 1.95%</li>
<li>Global X FinTech ETF&nbsp;&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FINX#NASDAQ">FINX</a>) went up 1.92%</li>
<li>Gabelli Financial Services Opportunities ETF&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GABF#NYSE">GABF</a>) rose 1.95% </li>
</ul>
Now Read: <a href="https://www.benzinga.com/trading-ideas/technicals/24/09/40779935/stock-of-the-day-amazon-delivers-a-trading-lesson-on-reversal-patterns">Stock Of The Day — Amazon Delivers A Trading Lesson On Reversal Patterns</a>
Image: Shutterstock

Government

Legal

ETFs

ARKF

BUZZ

FINX

Gabelli ETFs Trust Gabelli Financial Services Opportunities ETF

GABF

RVER

SOFI

Student Loan Protection Soon Ends, 9.7M Borrowers Should Be Worried About Their Credit Ratings

U.S. District Judge J. Randal Hall on Thursday temporarily blocked the Biden administration's latest student debt relief plan in a lawsuit brought by <a href="https://www.benzinga.com/personal-finance/24/09/40696394/inflation-jobs-and-taxes-how-trump-and-harris-economic-policies-differ">seven Republican-led states (Missouri, Georgia, Alabama, Arkansas, Florida, North Dakota and Ohio). </a>
The Details: Judge Hall issued a<a href="https://fingfx.thomsonreuters.com/gfx/legaldocs/mopaqgblapa/09052024studentloan.pdf"> temporary restraining order</a> after Republican state attorneys general<a href="https://www.reuters.com/legal/republican-led-us-states-sue-over-new-biden-student-debt-relief-plan-2024-09-03/"> </a>filed a lawsuit to block a rule the Education Department proposed which would allow it to provide full or partial deft relief to certain types of borrowers.
Read Next: <a href="https://www.benzinga.com/news/24/09/40733143/whats-going-on-with-celsius-holdings-stock">What&#8217;s Going On With Celsius Holdings Stock?</a>
The judge determined that the suit had established a likelihood of proving the Education Department lacked authority to cancel student loans.&nbsp;
&#8220;This is especially true in light of the recent rulings across the country striking down similar federal student loan forgiveness plans,&#8221; Hall wrote.
Last week, the U.S. Supreme Court rejected a Biden administration plea in a separate case that <a href="https://www.benzinga.com/news/24/08/40633593/whats-going-on-with-sofi-technologies-stock">sought to revive</a> the Savings on a Valuable Education (SAVE) plan to provide relief to borrowers with federal student loan debt.
Why It Matters: The court&#8217;s denial is potentially a positive development for student loan providers including SoFi Technologies, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>), Navient Corp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) and SLM Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>). Student loan providers would lose revenue in the form of interest payments and loan origination fees if student loan forgiveness or deferment resulted from a debt relief plan. 
SOFI, NAVI, SLM Price Action: According to <a href="https://pro.benzinga.com/?gspk=YWRhbWVja2VydDUzMzY&amp;gsxid=zBMR4PKmcgBw">Benzinga Pro</a>, SoFi Technologies shares ended Thursday's session down 2.94% at $7.26, Navient shares closed down 0.25% at $15.99 and SLM shares ended Thursday 0.99% lower at $20.93.
Read Also:
<ul>
<li><a href="https://www.benzinga.com/news/24/09/40733376/why-is-eastside-distilling-stock-rocketing-higher">Why Is Eastside Distilling Stock Rocketing Higher?</a></li>
</ul>
Image: Shutterstock

Movers

US Judge Temporarily Blocks Biden's Latest Student Loan Relief Plan: Why It Matters

The Supreme Court rejected a <a href="https://www.benzinga.com/government/24/07/39849095/appeals-court-blocks-bidens-save-student-loan-debt-relief-plan">Biden administration plea </a>Wednesday that sought to revive the Savings on a Valuable Education (SAVE) plan to tackle federal student loan debt.
In a brief order, the court denied an emergency request filed by the administration that sought to lift a nationwide injunction imposed by an appeals court. 
There were no noted dissents, CNBC <a href="https://www.nbcnews.com/politics/supreme-court/supreme-court-refuses-revive-bidens-latest-student-loan-debt-relief-pl-rcna167455">reported</a>.
The Education Department issued a regulation finalizing SAVE in July 2023, the month after the Supreme Court ruled that the administration lacked authority to implement President Joe Biden's earlier loan forgiveness program.
The new effort, like the previous one, was challenged by multiple conservative-leaning states.
The new proposal has several provisions, including one that would cap the amount people have to repay for undergraduate loans at 5% of their incomes. Previously the cap was 10%.
Opponents to SAVE say it would require spending up to $475 billion that was not authorized by Congress. They say it should be blocked for the same reason that the Supreme Court blocked Biden's earlier plan.
Read Also: <a href="https://www.benzinga.com/news/24/04/38350197/bill-ackman-slams-tax-exemption-for-high-cost-private-universities-that-put-people-in-debt-and-spew">Bill Ackman Slams Tax Exemption For &#8216;High-Cost&#8217; Private Universities That Put People In Debt And Spew &#8216;Poisonous Ideologies&#8217;</a>
Under the "major questions" doctrine embraced by the court's conservative justices, federal agencies cannot initiate sweeping new policies that have significant economic effects without having authorization from Congress.
The states argue in court papers that the Biden administration's "assertion of unfettered authority to cancel every penny of every loan is staggering."
In an Aug. 9 decision, the St. Louis, Missouri-based 8th U.S. Circuit Court of Appeals issued a more sweeping injunction putting the entire plan, which has about 8 million borrowers on it, on hold.
The denial comes as the Biden administration&#8217;s 12-month &#8220;on-ramp&#8221; period for loan repayments approaches expiration on Sept. 30 following the end of former President Donald Trump&#8217;s pandemic forbearance a year earlier.
The Trump forbearance, which began in March 2020, allowed borrowers to stop making loan payments without incurring interest costs and getting reported to the credit agencies.
Once the Biden &#8220;on-ramp&#8221; period ends, student loan servicers can start reporting payment delinquencies on loans to credit agencies.
Biden&#8217;s &#8220;on-ramp&#8221; period, which began on Sept. 30 of last year, prohibited loan servicers from reporting late payments to credit agencies in an effort to give borrowers the chance to work loan payments back into their budgets after not paying them for 3.5 years, CNBC <a href="https://www.cnbc.com/2024/08/26/student-loan-payment-on-ramp-ends-september-30.html">reported</a>.
Price Action: Student loan servicers gave mixed reactions to Wednesday&#8217;s Supreme Court decision as of Wednesday&#8217;s late-afternoon trading.
<ul>
<li>SoFi Technologies, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>) fell 3.86% to $7.47</li>
<li>Navient Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) gained 1.65% to $16.31</li>
<li>SLM Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) rose 1.77% to $21.52</li>
</ul>
Meanwhile, exchange-traded funds that hold SoFi shares registered losses.
<ul>
<li>Trenchless Fund ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RVER#NYSE">RVER</a>) slipped 0.06%</li>
<li>ARK Fintech Innovation ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ARKF#NYSE">ARKF</a>) declined 2.58%</li>
<li>VanEck Social Sentiment ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BUZZ#NYSE">BUZZ</a>) dropped 2.61%</li>
<li>Global X FinTech ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FINX#NASDAQ">FINX</a>) slid 1.36%</li>
<li>Gabelli Financial Services Opportunities ETF (GABF) went down 0.35%</li>
</ul>
Read Now:
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<li><a href="https://www.benzinga.com/personal-finance/financial-advisors/24/04/38263889/dave-ramsey-says-student-loans-create-lifetime-of-money-stress-having-a-serio">Dave Ramsey Says Student Loans Create Lifetime Of Money Stress: &#8216;Having A Serious Negative Impact On The Future Of Our Country&#8217;</a></li>
</ul>
Image: Shutterstock

US Supreme Court Declines To Revive Biden Administration's Student Debt Relief Plan

The financial statement impact of the Government Services business process, and any resulting loss or gain, is uncertain at this time.&nbsp;
The book value of the Government Services business as of June 30, 2024, was approximately&nbsp;$192 million, including&nbsp;$138 million&nbsp;of goodwill and acquired intangible assets.

Asset Sales

Navient Says Remains In Active Discussions About Potential Sale Of Its Government Services Businesses

As part of the agreement, approximately 950 employees will join CorroHealth.&nbsp;The transaction is expected to close by the end of September, subject to certain conditions.&nbsp;
The amount of the net gain from the sale has not yet been determined, and the final financial statement impact of the sale will depend on, among other things, net sale proceeds and the book value at the time of closing. As of June 30, 2024, the book value of the Healthcare Services business was approximately&nbsp;$136 million, including&nbsp;$113 million&nbsp;of goodwill and acquired intangible assets.

Navient Agrees To Sell Its Healthcare Services Business To CorroHealth For $365M Cash Consideration

U.S. Senator Elizabeth Warren Urges Navient To Change Process On Student Debt Relief

Across the recent three months, 4 analysts have shared their insights on Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>), expressing a variety of opinions spanning from bullish to bearish.
The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
Insights from analysts' 12-month price targets are revealed, presenting an average target of $14.0, a high estimate of $16.00, and a low estimate of $10.00. A negative shift in sentiment is evident as analysts have decreased the average price target by 5.08%. 
<img src="https://www.benzinga.com/files/images/story/2024/1721916018_0.png" alt="price target chart" />
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</h2>
A clear picture of Navient's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$16.00</td>
<td>$15.00</td>
</tr>
<tr>
<td>Terry Ma</td>
<td>Barclays</td>
<td>Lowers</td>
<td>Underweight</td>
<td>$10.00</td>
<td>$11.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$15.00</td>
<td>$16.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Lowers</td>
<td>Market Perform</td>
<td>$15.00</td>
<td>$17.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Navient. This offers insight into analysts' perspectives on the current state of the company.</li>
<li>Rating: Delving into assessments, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings communicate expectations for the relative performance of Navient compared to the broader market.</li>
<li>Price Targets: Delving into movements, analysts provide estimates for the future value of Navient's stock. This analysis reveals shifts in analysts' expectations over time.</li>
</ul>
Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of Navient's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/NAVI/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Navient analyst ratings.</a>
If you are interested in following small-cap stock news and performance <a href="https://www.benzinga.com/news/small-cap">you can start by tracking it here</a>.
<h2>Unveiling the Story Behind Navient</h2>
Navient Corp provides technology-enabled education finance and business processing solutions that simplify complex programs and help millions of people achieve success. It operates business in three segments: Federal Education Loans, Consumer Lending and Business Processing.
<h3>Navient: A Financial Overview</h3>
Market Capitalization Analysis: The company's market capitalization is below the industry average, suggesting that it is relatively smaller compared to peers. This could be due to various factors, including perceived growth potential or operational scale.
Revenue Challenges: Navient's revenue growth over 3 months faced difficulties. As of 31 March, 2024, the company experienced a decline of approximately -10.87%. This indicates a decrease in top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Navient's net margin is impressive, surpassing industry averages. With a net margin of 25.44%, the company demonstrates strong profitability and effective cost management.
Return on Equity (ROE): Navient's ROE falls below industry averages, indicating challenges in efficiently using equity capital. With an ROE of 2.64%, the company may face hurdles in generating optimal returns for shareholders.
Return on Assets (ROA): Navient's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 0.12%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: Navient's debt-to-equity ratio is notably higher than the industry average. With a ratio of 19.92, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.
<h2>Analyst Ratings: Simplified</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Deep Dive Into Navient Stock: Analyst Perspectives (4 Ratings)

Keefe, Bruyette &amp; Woods analyst Sanjay Sakhrani maintains Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) with a Market Perform and raises the price target from $15 to $16.

Keefe, Bruyette & Woods Maintains Market Perform on Navient, Raises Price Target to $16

Navient Q2 2024 Adj Sales $136.000M Miss $158.667M Estimate

Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) reported quarterly earnings of $0.29 per share which missed the analyst consensus estimate of $0.43 by 32.56 percent.

Navient Q2 2024 Adj EPS $0.29 Misses $0.43 Estimate

A federal appeals court has blocked President Joe Biden&#8217;s administration from implementing its Saving on a Valuable Education (SAVE) <a href="https://www.benzinga.com/news/24/07/39845798/whats-going-on-with-sofi-technologies-stock">student debt relief plan.&nbsp;</a>
The Details: The St. Louis-based 8th U.S. Circuit Court of Appeals granted a request by seven states to put on hold parts of the U.S. Department of Education&#8217;s debt relief plan. Combined with a previous ruling last month by U.S. District Judge John Ross in St. Louis, the entire SAVE plan is now blocked from being implemented as the legal process continues. 
&#8220;Appellants&#8217; emergency motion for an administrative stay prohibiting the appellees from implementing or acting pursuant to the Final Rule until this Court rules on the appellants&#8217; motion for an injunction pending appeal is granted,&#8221; 8th Circuit Court stated in its ruling.&nbsp;
Read Next:<a href="https://www.benzinga.com/news/earnings/24/07/39826835/discover-reports-better-than-expected-q2-results-heres-the-details"> Discover Reports Better-Than-Expected Q2 Results: Here&#8217;s The Details</a>
According to a <a href="https://www.businessinsider.com/save-plan-blocked-student-loan-borrowers-cheaper-payments-debt-cancellation-2024-7">report </a>from Business Insider, the Department of Education's Solicitor General Elizabeth Prelogar recently responded to the court on the confusion that would be caused if implementation of the SAVE plan was blocked at this stage.&nbsp;
&#8220;Many have already received bills that reflect the decrease in monthly payments to 5% of their discretionary income,&#8221; Prelogar wrote. &#8220;Many would experience intense confusion when they are told that their payments must be recalculated and that they must be placed in forbearance — which would delay any eventual loan forgiveness.&#8221;
Some companies that service student loans include SoFi Technologies, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>), Nelnet, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NNI#NYSE">NNI</a>), Navient Corp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) and SLM Corp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>). 
SOFI, NNI, NAVI, SLM Price Action: According to <a href="https://pro.benzinga.com/?gspk=YWRhbWVja2VydDUzMzY&amp;gsxid=zBMR4PKmcgBw">Benzinga Pro</a>, SoFi shares are down 4.02% at $7.53, Nelnet shares are down 1.50% at $109.66, Navient shares are down 1.60% at $15.36 and SLM shares are down 0.64% at $23.35 at market close Thursday.
Read Also:
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<li><a href="https://www.benzinga.com/news/24/07/39827454/what-happened-with-intel-stock-today">What Happened With Intel Stock Today?</a></li>
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Photo: Shutterstock

Education

Appeals Court Blocks Biden's SAVE Student Loan Debt Relief Plan

Barclays analyst Terry Ma maintains Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) with a Underweight and lowers the price target from $11 to $10.

Barclays Maintains Underweight on Navient, Lowers Price Target to $10

Navient Q3 2024 Earnings Preview

Here's the major earnings before the open tomorrow

GAAP and Core Earnings results included a net increase to pre-tax income of $166M comprised of: A gain of $219M from the sale of Xtend Healthcare, ...

Navient reports Q3 core EPS $1.45, consensus 25c

Navient Corporation (NAVI) Q3 2024 Earnings Call Transcript

KBW analyst Sanjay Sakhrani maintained a Hold rating on Navient (NAVI – Research Report) today. The company's shares closed yesterday at $15.19. Sa...

KBW Reaffirms Their Hold Rating on Navient (NAVI)

Analysts have been eager to weigh in on the Financial sector with new ratings on OneMain Holdings (OMF – Research Report), Everest Group (EG – Rese...

Analysts Offer Insights on Financial Companies: OneMain Holdings (OMF), Everest Group (EG) and Navient (NAVI)

Jeffrey Adelson, an analyst from Morgan Stanley, maintained the Hold rating on Navient (NAVI – Research Report). The associated price target remain...

Navient's Financial Outlook: Balancing Strategic Progress with Revenue Headwinds and Credit Challenges

TD Cowen analyst Moshe Orenbuch has maintained their bearish stance on NAVI stock, giving a Sell rating today. Moshe Orenbuch has given his Sell ra...

Navient's Financial Struggles and Cautious Outlook Lead to Sell Rating by Moshe Orenbuch

Navient Corporation (NAVI) has disclosed a new risk, in the Debt & Financing category. Navient Corporation faces a potential financial risk due to ...

Navient's Financial Exposure: Navigating Asset-Liability Funding Gaps and Interest Rate Risks

TD Cowen analyst Moshe Orenbuch lowered the firm's price target on Navient (NAVI) to $13 from $14 and keeps a Sell rating on the shares. The firm s...

Navient price target lowered to $13 from $14 at TD Cowen

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Dividends

Press Releases

Navient declares second quarter common stock dividend

Navient to announce second quarter 2024 results, host earnings webcast July 24

Earnest Honored Among CNBC World's Top FinTech Companies

Navient posts second quarter 2024 financial results

Contracts

Navient to sell Healthcare Services business to CorroHealth as part of ongoing plan to simplify company

Navient declares third quarter common stock dividend

Navient Resolves Legal Matters with Consumer Financial Protection Bureau

Navient to announce third quarter 2024 results, host earnings webcast Oct. 30

Navient Again Named a Best Place to Work for Caregivers

Navient posts third quarter 2024 financial results

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