(NAVI) Navient - Ratings and Ratios

Navient Corporation is a leading provider of technology-enabled education finance and business processing solutions, serving education, healthcare, and government clients across the United States. The companys diversified business model spans three key segments: Federal Education Loans, Consumer Lending, and Business Processing. Navients expertise lies in managing and servicing student loans, including those insured or guaranteed by state or not-for-profit agencies under the Federal Family Education Loan Program (FFELP). Additionally, the company originates and services private education loans, offering refinance and in-school loan options to students and families.

Beyond its core education finance business, Navient provides a range of business processing solutions to various sectors, including government agencies, healthcare providers, and public sector clients. These services encompass omnichannel contact center operations, workflow processing, and revenue cycle optimization, designed to enhance operational efficiency and revenue generation for clients. The companys corporate liquidity portfolio services further underscore its commitment to delivering comprehensive financial solutions.

From a technical analysis perspective, Navients stock (NAVI) is currently trading at $13.21, slightly below its 20-day simple moving average (SMA) of $13.39. The stocks 50-day SMA stands at $12.55, while its 200-day SMA is at $13.74. The average true range (ATR) indicates a moderate level of volatility, with a 2.63% daily price movement. Given these technical indicators, a potential trading range for NAVI could be between $12.90 and $14.00, influenced by its proximity to the 20-day and 200-day SMAs.

Fundamentally, Navients market capitalization is approximately $1.41 billion, with a price-to-earnings (P/E) ratio of 26.28 and a forward P/E of 9.57. The companys return on equity (RoE) stands at 2.10%. Considering these fundamental metrics and the current technical setup, a forecast for NAVI could be cautiously optimistic, suggesting potential for growth if the company can demonstrate improved earnings and stabilize its loan portfolios. A target price range could be between $15.00 and $17.00, contingent upon Navient achieving its financial projections and navigating the complexities of the education finance landscape effectively.