Navient NAVI has been analyzed by 6 analysts in the last three months, revealing a diverse range of perspectives from bullish to bearish.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 0 | 0 | 4 | 1 | 1 |
| Last 30D | 0 | 0 | 1 | 0 | 0 |
| 1M Ago | 0 | 0 | 1 | 0 | 0 |
| 2M Ago | 0 | 0 | 0 | 0 | 1 |
| 3M Ago | 0 | 0 | 2 | 1 | 0 |
Insights from analysts' 12-month price targets are revealed, presenting an average target of $14.67, a high estimate of $17.00, and a low estimate of $11.00. This upward trend is apparent, with the current average reflecting a 2.59% increase from the previous average price target of $14.30.
Breaking Down Analyst Ratings: A Detailed Examination
An in-depth analysis of recent analyst actions unveils how financial experts perceive Navient. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Nathaniel Richam-Odoi | B of A Securities | Lowers | Neutral | $16.00 | $17.00 |
| Richard Shane | JP Morgan | Lowers | Neutral | $15.00 | $15.50 |
| Moshe Orenbuch | TD Cowen | Lowers | Sell | $13.00 | $14.00 |
| Terry Ma | Barclays | Raises | Underweight | $11.00 | $10.00 |
| Richard Shane | JP Morgan | Raises | Neutral | $16.00 | $15.00 |
| Nathaniel Richam-Odoi | B of A Securities | Announces | Neutral | $17.00 | - |
Key Insights:
- Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to Navient. This insight gives a snapshot of analysts' perspectives on the current state of the company.
- Rating: Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Navient compared to the broader market.
- Price Targets: Understanding forecasts, analysts offer estimates for Navient's future value. Examining the current and prior targets provides insight into analysts' changing expectations.
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.
Stay up to date on Navient analyst ratings.
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About 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: A Financial Overview
Market Capitalization: With restricted market capitalization, the company is positioned below industry averages. This reflects a smaller scale relative to peers.
Negative Revenue Trend: Examining Navient's financials over 3 months reveals challenges. As of 30 September, 2024, the company experienced a decline of approximately -58.06% 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 net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of -1.13%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Navient's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of -0.07%, the company may encounter challenges in delivering satisfactory 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 -0.0%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: The company faces challenges in debt management with a debt-to-equity ratio higher than the industry average. With a ratio of 18.32, caution is advised due to increased financial risk.
Understanding the Relevance of Analyst Ratings
Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
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