Navient Corp Company Profile (NASDAQ:NAVI)

About Navient Corp (NASDAQ:NAVI)

Navient Corp logoNavient Corporation provides asset management and business processing services to education, healthcare and government clients at the federal, state and local levels. The Company holds the portfolio of education loans insured or federally guaranteed under the Federal Family Education Loan Program (FFELP). It operates through four segments: FFELP Loans, Private Education Loans, Business Services and Other. It also holds the portfolio of Private Education Loans. It services its own portfolio of education loans, as well as education loans owned by the United States Department of Education (ED), financial institutions and nonprofit education lenders. It also provides business processing services to education-related clients, such as guaranty agencies and colleges and universities. It provides additional business processing services to a range of other clients, including federal agencies, state and local governments, healthcare systems and other healthcare providers and municipalities.

Industry, Sector and Symbol:
  • Sector: Finance
  • Industry: Credit Services
  • Sub-Industry: N/A
  • Symbol: NASDAQ:NAVI
  • CUSIP: N/A
  • Web: www.navient.com
Capitalization:
  • Market Cap: $4.1 billion
  • Outstanding Shares: 284,941,000
Average Prices:
  • 50 Day Moving Avg: $14.83
  • 200 Day Moving Avg: $15.59
  • 52 Week Range: $11.01 - $17.95
P/E:
  • Trailing P/E Ratio: 7.57
  • Foreward P/E Ratio: 7.34
  • P/E Growth: 3.40
Sales & Book Value:
  • Annual Revenue: $1.94 billion
  • Price / Sales: 2.11
  • Book Value: $12.80 per share
  • Price / Book: 1.12
Dividend:
  • Annual Dividend: $0.64
  • Dividend Yield: 4.6%
Profitability:
  • Net Margins: 13.72%
  • Return on Equity: 15.65%
  • Return on Assets: 0.46%
Debt:
  • Debt-to-Equity Ratio: 30.18%
  • Current Ratio: 48.28%
  • Quick Ratio: 43.98%
Misc:
  • Average Volume: 2.53 million shs.
  • Beta: 2.57
  • Short Ratio: 3.29
 

Frequently Asked Questions for Navient Corp (NASDAQ:NAVI)

What is Navient Corp's stock symbol?

Navient Corp trades on the NASDAQ under the ticker symbol "NAVI."

How often does Navient Corp pay dividends? What is the dividend yield for Navient Corp?

Navient Corp announced a quarterly dividend on Thursday, April 6th. Stockholders of record on Friday, June 2nd will be paid a dividend of $0.16 per share on Friday, June 16th. This represents a $0.64 annualized dividend and a dividend yield of 4.45%. The ex-dividend date is Wednesday, May 31st. View Navient Corp's Dividend History.

How were Navient Corp's earnings last quarter?

Navient Corp (NASDAQ:NAVI) issued its quarterly earnings results on Tuesday, April, 18th. The company reported $0.36 EPS for the quarter, missing analysts' consensus estimates of $0.42 by $0.06. The business earned $334 million during the quarter, compared to analyst estimates of $345.60 million. Navient Corp had a net margin of 13.72% and a return on equity of 15.65%. The business's revenue for the quarter was down 19.7% compared to the same quarter last year. During the same quarter in the previous year, the business earned $0.43 EPS. View Navient Corp's Earnings History.

When will Navient Corp make its next earnings announcement?

Navient Corp is scheduled to release their next quarterly earnings announcement on Monday, July, 17th 2017. View Earnings Estimates for Navient Corp.

Where is Navient Corp's stock going? Where will Navient Corp's stock price be in 2017?

9 analysts have issued 12-month price objectives for Navient Corp's shares. Their predictions range from $15.00 to $21.00. On average, they expect Navient Corp's share price to reach $17.94 in the next year. View Analyst Ratings for Navient Corp.

What are analysts saying about Navient Corp stock?

Here are some recent quotes from research analysts about Navient Corp stock:

  • 1. According to Zacks Investment Research, "Navient’s shares outperformed the Zacks categorized Consumer Loan industry over the past one year. The U.S. student loan industry is currently under heightened regulatory scrutiny over alleged anti-consumer practices. Navient, which services large number of student loans, is under regulatory claims and litigation burden owing to its practices in handling loans. However, on a positive note, the company should benefit from the ongoing economic recovery and remains focused on leveraging its asset recovery & processing businesses. Management expects 2017 core EPS is in the range of $1.80–$1.84 (excluding regulatory costs). Moreover, capital deployment activities is encouraging." (4/5/2017)
  • 2. Wedbush analysts commented, "We are initiating coverage on Navient Corp. (NAVI) with a NEUTRAL rating and a $16.50 price target. Navient is the student loan servicing and legacy FFELP & private student loan business spun out of Sallie Mae in 2014. While two of the company's three business lines appear to be in runoff, the company has been able to generate a significant amount of cash flows with which to pay down debt, buy back stock and pay dividends. In 2016, NAVI retired $2.6 billion in senior debt, repurchased $60 million in stock (17% of shares outstanding), and paid an annual dividend of $0.64 per share." (1/30/2017)
  • 3. Jefferies Group LLC analysts commented, "We are initiating coverage on Navient (NAVI) with a Hold rating and $18 price target. While we consider NAVI a strong company, the recent rally in the stock has converged the public equity value with our assessment of an NPV of the portfolio added to a segment value for servicing, leaving insufficient upside for a Buy, in our opinion. That said, we keep a watchful eye on ongoing expansion of the Business Services segment which may drive upside over time. We observe that NAVI is among the best capital return stories within our coverage universe, however, we assign a Hold rating as the recent rally leaves the stock near its intrinsic value. In our opinion, the equity value has converged to a level near our assessment of a sum-of-the-parts valuation. That said, we note the nearly 4% dividend yield may be attractive for income-oriented investors and we support management’s focus on capital returns. Further, NAVI continues to focus on special servicing opportunities within its Business Services segment, and incremental growth within this division could both add to earnings power and enhance the multiple over time. Sum of the parts DCF analysis supports our $18 PT. As we detail herein, when we conduct a DCF analysis of the loan portfolio, and add to this an assessed value of the servicing (Business Services) business, we conclude that an $18PT is reasonable." (12/7/2016)

Are investors shorting Navient Corp?

Navient Corp saw a drop in short interest in the month of April. As of April 13th, there was short interest totalling 7,413,351 shares, a drop of 11.9% from the March 31st total of 8,410,630 shares. Based on an average daily trading volume, of 2,245,360 shares, the days-to-cover ratio is currently 3.3 days. Approximately 2.6% of the shares of the company are short sold.

Who are some of Navient Corp's key competitors?

Who owns Navient Corp stock?

Navient Corp's stock is owned by a number of of retail and institutional investors. Top institutional shareholders include Vanguard Group Inc. (13.79%), Barrow Hanley Mewhinney & Strauss LLC (10.86%), Boston Partners (8.89%), BlackRock Inc. (7.51%), State Street Corp (5.51%) and Dimensional Fund Advisors LP (3.16%). Company insiders that own Navient Corp stock include Bates Ann Torre, Gilleland Diane Suitt, John F Remondi, Katherine A Lehman, Mark L Heleen and William M Diefenderfer III. View Institutional Ownership Trends for Navient Corp.

Who sold Navient Corp stock? Who is selling Navient Corp stock?

Navient Corp's stock was sold by a variety of institutional investors in the last quarter, including Credit Agricole S A, Boston Partners, Ameriprise Financial Inc., Barrow Hanley Mewhinney & Strauss LLC, Omega Advisors Inc., JPMorgan Chase & Co., Chicago Equity Partners LLC and Janus Capital Management LLC. Company insiders that have sold Navient Corp stock in the last year include Bates Ann Torre, Gilleland Diane Suitt and William M Diefenderfer III. View Insider Buying and Selling for Navient Corp.

Who bought Navient Corp stock? Who is buying Navient Corp stock?

Navient Corp's stock was bought by a variety of institutional investors in the last quarter, including BlackRock Inc., Vanguard Group Inc., Dimensional Fund Advisors LP, LSV Asset Management, OppenheimerFunds Inc., Karp Capital Management Corp, Renaissance Technologies LLC and Denali Advisors LLC. Company insiders that have bought Navient Corp stock in the last two years include John F Remondi, Katherine A Lehman and Mark L Heleen. View Insider Buying and Selling for Navient Corp.

How do I buy Navient Corp stock?

Shares of Navient Corp can be purchased through any online brokerage account. Popular online brokerages include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.

How much does a share of Navient Corp stock cost?

One share of Navient Corp stock can currently be purchased for approximately $14.39.

Analyst Ratings

Consensus Ratings for Navient Corp (NASDAQ:NAVI) (?)
Ratings Breakdown: 6 Hold Ratings, 3 Buy Ratings
Consensus Rating:Hold (Score: 2.33)
Consensus Price Target: $17.94 (24.70% upside)

Analysts' Ratings History for Navient Corp (NASDAQ:NAVI)
Show:
DateFirmActionRatingPrice TargetImpact on Share PriceDetails
4/18/2017WedbushReiterated RatingNeutral$16.50MediumView Rating Details
4/12/2017Barclays PLCSet Price TargetBuy$20.00LowView Rating Details
4/11/2017BMO Capital MarketsReiterated RatingHold$17.00MediumView Rating Details
4/6/2017Keefe, Bruyette & WoodsSet Price TargetBuy$20.00LowView Rating Details
4/3/2017JPMorgan Chase & Co.Lower Price TargetNeutral$17.00 -> $16.00LowView Rating Details
2/9/2017Credit Suisse Group AGReiterated RatingHold$18.00N/AView Rating Details
1/6/2017DA DavidsonInitiated CoverageBuy$21.00N/AView Rating Details
12/7/2016Jefferies Group LLCInitiated CoverageHold$18.00N/AView Rating Details
7/20/2016Goldman Sachs Group IncDowngradeBuy -> Neutral$15.00N/AView Rating Details
4/20/2016Compass PointBoost Price TargetNeutral$11.00 -> $13.00N/AView Rating Details
1/3/2016Janney Montgomery ScottReiterated RatingBuyN/AView Rating Details
8/31/2015Robert W. BairdLower Price TargetNeutral$36.00 -> $24.00N/AView Rating Details
(Data available from 5/26/2015 forward)

Earnings

Earnings History for Navient Corp (NASDAQ:NAVI)
Earnings by Quarter for Navient Corp (NASDAQ:NAVI)
Earnings History by Quarter for Navient Corp (NASDAQ:NAVI)
DateQuarterConsensus EstimateActual EPSRevenue EstimateActual RevenueRelease LinkConference CallDetails
7/17/2017        
4/18/2017Q1 2017$0.42$0.36$345.60 million$334.00 millionViewN/AView Earnings Details
1/24/2017Q416$0.44$0.43$365.50 million$378.00 millionViewN/AView Earnings Details
10/18/2016Q3$0.48$0.50$391.75 million$405.00 millionViewN/AView Earnings Details
7/19/2016Q216$0.45$0.47$406.00 million$429.00 millionViewN/AView Earnings Details
4/19/2016Q1$0.41$0.43$413.00 million$486.00 millionViewN/AView Earnings Details
1/26/2016Q4$0.49$0.48$460.20 million$445.00 millionViewListenView Earnings Details
10/20/2015Q3$0.48$0.47$466.00 million$553.00 millionViewListenView Earnings Details
7/21/2015Q215$0.40$0.40$472.00 million$549.00 millionViewListenView Earnings Details
4/21/2015Q115$0.50$0.48$497.00 million$583.00 millionViewN/AView Earnings Details
1/21/2015Q414$0.53$0.53$542.00 million$614.00 millionViewN/AView Earnings Details
10/15/2014Q314$0.52$0.52$530.00 million$912.00 millionViewN/AView Earnings Details
7/16/2014Q311$0.55$0.56$572.33 million$662.00 millionViewN/AView Earnings Details
(Data available from 1/1/2011 forward)

Estimates

Earnings Estimates for Navient Corp (NASDAQ:NAVI)
2017 EPS Consensus Estimate: $1.82
2018 EPS Consensus Estimate: $1.92
QuarterNumber of EstimatesLow EstimateHigh EstimateAverage Estimate
Q1 20173$0.40$0.44$0.42
Q2 20173$0.41$0.45$0.43
Q3 20173$0.45$0.50$0.48
Q4 20173$0.47$0.51$0.49
Q1 20183$0.44$0.46$0.45
Q2 20183$0.44$0.52$0.49
Q3 20183$0.45$0.54$0.50
Q4 20183$0.40$0.54$0.49
(Data provided by Zacks Investment Research)

Dividends

Current Dividend Information for Navient Corp (NASDAQ:NAVI)
Next Dividend:6/16/2017
Annual Dividend:$0.64
Dividend Yield:4.45%
Payout Ratio:30.19% (Trailing 12 Months of Earnings)
35.56% (Based on This Year's Estimates)
32.65% (Based on Next Year's Estimates)
Dividend Payments by Quarter for Navient Corp (NASDAQ:NAVI)

Dividend History by Quarter for Navient Corp (NASDAQ:NAVI)
AnnouncedPeriodAmountYieldEx-Dividend DateRecord DatePayable Date
4/6/2017quarterly$0.164.38%5/31/20176/2/20176/16/2017
2/7/2017quarterly$0.164.17%3/1/20173/3/20173/17/2017
10/7/2016quarterly$0.164.4%11/30/201612/2/201612/16/2016
8/5/2016quarterly$0.164.4%8/31/20169/2/20169/16/2016
4/6/2016quarterly$0.165.51%6/1/20166/3/20166/17/2016
1/27/2016quarterly$0.166.76%3/2/20163/4/20163/18/2016
10/30/2015quarterly$0.164.85%12/2/201512/4/201512/18/2015
7/31/2015quarterly$0.164.08%9/2/20159/4/20159/18/2015
5/26/2015quarterly$0.163.35%6/3/20156/5/20156/19/2015
1/27/2015quarterly$0.163.23%3/4/20153/6/20153/20/2015
10/9/2014quarterly$0.153.5%12/3/201412/5/201412/19/2014
10/9/2014quarterly$0.1512/5/201412/26/2014
8/14/2014quarterly$0.153.53%9/10/20149/12/20149/26/2014
5/22/2014quarterly$0.156/4/20146/6/20146/20/2014
(Data available from 1/1/2013 forward)

Insider Trades

Insider Trading and Institutional Ownership History for Navient Corp (NASDAQ:NAVI)
Insider Ownership Percentage: 1.05%
Institutional Ownership Percentage: 93.89%
Insider Trades by Quarter for Navient Corp (NASDAQ:NAVI)
Institutional Ownership by Quarter for Navient Corp (NASDAQ:NAVI)
Insider Trades by Quarter for Navient Corp (NASDAQ:NAVI)
Transaction DateInsider NameTitleBuy/SellNumber of SharesAverage Share PriceTotal TransactionDetails
4/24/2017Gilleland Diane SuittDirectorSell5,467$15.89$86,870.63View SEC Filing  
8/19/2016William M Diefenderfer IIIDirectorSell16,300$14.20$231,460.00View SEC Filing  
7/26/2016Bates Ann TorreDirectorSell9,000$14.23$128,070.00View SEC Filing  
2/9/2016John F. RemondiCEOBuy80,000$8.79$703,200.00View SEC Filing  
2/4/2016Mark L HeleenEVPBuy3,800$9.39$35,682.00View SEC Filing  
10/30/2015Katherine A LehmanDirectorBuy2,500$13.22$33,050.00View SEC Filing  
2/6/2015John M KaneCOOSell1,402$21.38$29,974.76View SEC Filing  
2/6/2015Somsak ChivavibulCFOSell1,184$21.38$25,313.92View SEC Filing  
2/6/2015Timothy J Iv HynesInsiderSell1,118$21.38$23,902.84View SEC Filing  
2/4/2015John M KaneCOOSell1,670$20.93$34,953.10View SEC Filing  
2/4/2015Somsak ChivavibulCFOSell1,408$20.93$29,469.44View SEC Filing  
2/4/2015Timothy J Iv HynesInsiderSell1,404$20.93$29,385.72View SEC Filing  
2/3/2015John M KaneCOOSell1,735$20.60$35,741.00View SEC Filing  
2/3/2015Somsak ChivavibulCFOSell1,023$20.47$20,940.81View SEC Filing  
11/19/2014John M KaneCOOSell23,767$20.67$491,263.89View SEC Filing  
8/1/2014Barry Lawson WilliamsDirectorSell14,450$17.42$251,719.00View SEC Filing  
(Data available from 1/1/2013 forward)

Headlines

Headline Trends for Navient Corp (NASDAQ:NAVI)
Latest Headlines for Navient Corp (NASDAQ:NAVI)
Source:
DateHeadline
finance.yahoo.com logoNavient reelects board at annual shareholder meeting
finance.yahoo.com - May 26 at 4:38 AM
finance.yahoo.com logoNavient CEO delivers remarks at annual shareholder meeting
finance.yahoo.com - May 26 at 4:38 AM
finance.yahoo.com logoWhy Is Navient (NAVI) Down 9.7% Since the Last Earnings Report?
finance.yahoo.com - May 19 at 11:28 AM
americanbankingnews.com logoNavient Corp (NAVI) Receives Average Recommendation of "Hold" from Analysts
www.americanbankingnews.com - May 19 at 9:00 AM
bizjournals.com logoLeaders across the Country Embark on High-Value Care with the Institute for the Delivery of High-Value Care
www.bizjournals.com - May 17 at 9:05 AM
finance.yahoo.com logoETFs with exposure to Navient Corp. : May 15, 2017
finance.yahoo.com - May 15 at 6:05 PM
americanbankingnews.com logoNavient Corp (NAVI) Earns Coverage Optimism Rating of 0.39
www.americanbankingnews.com - May 12 at 12:36 AM
finance.yahoo.com logoWilmington employee Jaimie Phipps earns company award
finance.yahoo.com - May 10 at 12:10 PM
americanbankingnews.com logo$346 Million in Sales Expected for Navient Corp (NAVI) This Quarter
www.americanbankingnews.com - May 10 at 11:34 AM
finance.yahoo.com logoNavient Corp. breached its 50 day moving average in a Bearish Manner : NAVI-US : May 9, 2017
finance.yahoo.com - May 9 at 11:37 AM
americanbankingnews.com logo$0.43 EPS Expected for Navient Corp (NAVI) This Quarter
www.americanbankingnews.com - May 8 at 12:22 PM
finance.yahoo.com logoSLM Student Loan Trust 2013-4 -- Moody's upgrades two tranches from two Navient FFELP securitizations
finance.yahoo.com - May 3 at 5:47 PM
finance.yahoo.com logoETFs with exposure to Navient Corp. : May 3, 2017
finance.yahoo.com - May 3 at 5:47 PM
finance.yahoo.com logoNavient Corp. :NAVI-US: Earnings Analysis: Q1, 2017 By the Numbers : May 2, 2017
finance.yahoo.com - May 2 at 7:43 PM
americanbankingnews.com logoNavient Corp (NAVI) Earning Positive Media Coverage, Report Shows
www.americanbankingnews.com - May 2 at 6:08 PM
americanbankingnews.com logoNavient Corp (NAVI) Earning Somewhat Favorable News Coverage, Study Shows
www.americanbankingnews.com - April 29 at 1:43 PM
finance.yahoo.com logoCollegiate Funding Services Education Loan Trust 2005-B -- Moody's reviews for downgrade one class of notes issued by Collegiate Funding Services Education Loan Trust 2005-B
finance.yahoo.com - April 28 at 7:45 PM
americanbankingnews.com logoShort Interest in Navient Corp (NAVI) Declines By 11.9%
www.americanbankingnews.com - April 28 at 11:34 AM
finance.yahoo.com logoAlly Financials' (ALLY) Stock Declines on Q1 Earnings Lag
finance.yahoo.com - April 28 at 9:05 AM
streetinsider.com logoForm 4 NAVIENT CORP For: Apr 24 Filed by: SUITT GILLELAND DIANE
www.streetinsider.com - April 27 at 9:52 AM
americanbankingnews.com logoNavient Corp (NAVI) Director Gilleland Diane Suitt Sells 5,467 Shares
www.americanbankingnews.com - April 26 at 9:08 PM
americanbankingnews.com logoNavient Corp (NAVI) Earns Media Sentiment Rating of 0.00
www.americanbankingnews.com - April 26 at 2:38 PM
finance.yahoo.com logoConsumer complaints spiked 325% in 2017 over this one issue
finance.yahoo.com - April 25 at 6:00 PM
fortune.com logoDemocrats Fear Education Secretary Betsy DeVos Will Undo Obama’s College Financial Aid Reforms
fortune.com - April 25 at 8:29 AM
finance.yahoo.com logoDemocratic state attorneys general decry student loan rework by Republicans
finance.yahoo.com - April 24 at 7:04 PM
finance.yahoo.com logoNew study shows students want better financial information sooner
finance.yahoo.com - April 24 at 2:02 PM
finance.yahoo.com logoIs Navient (NAVI) a Great Stock for Value Investors?
finance.yahoo.com - April 24 at 2:02 PM
americanbankingnews.com logoNavient Corp (NAVI) Given Consensus Rating of "Hold" by Brokerages
www.americanbankingnews.com - April 24 at 1:48 PM
americanbankingnews.com logoNavient Corp (NAVI) Earns Media Impact Rating of 0.17
www.americanbankingnews.com - April 23 at 2:09 PM
finance.yahoo.com logoShould DeVos Block an Embattled Student Loan Giant's Attempt to Expand?
finance.yahoo.com - April 21 at 6:37 PM
streetinsider.com logoForm 8-K NAVIENT CORP For: Apr 18 - StreetInsider.com
www.streetinsider.com - April 21 at 9:38 AM
bloomberg.com logoShould DeVos Block an Embattled Student Loan Giant's Attempt to Expand? - Bloomberg
www.bloomberg.com - April 21 at 9:38 AM
americanbankingnews.com logoQ2 2017 EPS Estimates for Navient Corp (NAVI) Reduced by Jefferies Group
www.americanbankingnews.com - April 21 at 9:33 AM
americanbankingnews.com logoNavient Corp (NAVI) Forecasted to Earn Q2 2017 Earnings of $0.41 Per Share
www.americanbankingnews.com - April 21 at 9:33 AM
reuters.com logoBRIEF-Navient reports Q1 earnings per share $0.30
www.reuters.com - April 20 at 9:45 AM
finance.yahoo.com logoEdited Transcript of NAVI earnings conference call or presentation 19-Apr-17 12:00pm GMT
finance.yahoo.com - April 19 at 11:49 PM
investopedia.com logoJPMorgan to Sell $6.9 Bn Student Loan Asset to Navient (NAVI, JPM)
www.investopedia.com - April 19 at 6:48 PM
streetinsider.com logoForm 8-K NAVIENT CORP For: Apr 18
www.streetinsider.com - April 19 at 6:48 PM
finance.yahoo.com logoEnergy, biotech, financials & more in the trader blitz
finance.yahoo.com - April 19 at 6:48 PM
zacks.com logoNavient (NAVI) Q1 Earnings Lag on Lower Net Interest Income
www.zacks.com - April 19 at 10:23 AM
seekingalpha.com logoNavient Corp 2017 Q1 - Results - Earnings Call Slides
seekingalpha.com - April 19 at 10:23 AM
finance.yahoo.com logoJPMorgan to Sell $6.9 Bn Student Loan Asset to Navient
finance.yahoo.com - April 19 at 10:23 AM
finance.yahoo.com logoNavient to buy big bank's $6.9B student loan portfolio
finance.yahoo.com - April 19 at 10:23 AM
americanbankingnews.com logoNavient Corp (NAVI) Announces Quarterly Earnings Results, Misses Expectations By $0.07 EPS
www.americanbankingnews.com - April 19 at 9:57 AM
finance.yahoo.com logoJPMorgan to Sell $6.9 Billion of Student Loans to Navient
finance.yahoo.com - April 18 at 6:07 PM
finance.yahoo.com logoNavient posts first quarter 2017 financial results
finance.yahoo.com - April 18 at 6:07 PM
marketbeat.com logoNavient misses Street 1Q forecasts
marketbeat.com - April 18 at 4:57 PM
americanbankingnews.com logoNavient Corp (NAVI) Earns Neutral Rating from Wedbush
www.americanbankingnews.com - April 18 at 11:14 AM
nasdaq.com logoHeritage Investors Management Corp Buys Yum China Holdings, Abbott Laboratories, American ...
www.nasdaq.com - April 18 at 10:12 AM
finance.yahoo.com logoNavient Corp. breached its 50 day moving average in a Bullish Manner : NAVI-US : April 18, 2017
finance.yahoo.com - April 18 at 10:12 AM

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Chart

Navient Corp (NAVI) Chart for Friday, May, 26, 2017

This page was last updated on 5/26/2017 by MarketBeat.com Staff