Revenue Breakdown
Composition ()
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Revenue Streams
Navient Corp (NAVI) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Consumer Lending, accounting for 69.0% of total sales, equivalent to $98.00M. Other significant revenue streams include Federal Education Loans and Adjustments. Understanding this composition is critical for investors evaluating how NAVI navigates market cycles within the Consumer Lending industry.
Profitability & Margins
Evaluating the bottom line, Navient Corp maintains a gross margin of 17.48%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 0.66%, while the net margin is -0.66%. These profitability ratios, combined with a Return on Equity (ROE) of -3.17%, provide a clear picture of how effectively NAVI converts its operational activities into shareholder value.
Comparative Benchmarking
In the context of the broader market, NAVI competes directly with industry leaders such as OPFI and UPBD. With a market capitalization of $964.80M, it holds a significant position in the sector. When comparing efficiency, NAVI's gross margin of 17.48% stands against OPFI's N/A and UPBD's 47.24%. Such benchmarking helps identify whether Navient Corp is trading at a premium or discount relative to its financial performance.
