Navient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States.
Undervalued with proven track record and pays a dividend.
Share Price & News
How has Navient's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 0K5R has not had significant price volatility in the past 3 months.
7 Day Return
GB Consumer Finance
1 Year Return
GB Consumer Finance
Return vs Industry: 0K5R exceeded the UK Consumer Finance industry which returned -68.6% over the past year.
Return vs Market: 0K5R exceeded the UK Market which returned -22.7% over the past year.
Price Volatility Vs. Market
How volatile is Navient's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Navient undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 0K5R ($13.83) is trading below our estimate of fair value ($48.51)
Significantly Below Fair Value: 0K5R is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 0K5R is good value based on its PE Ratio (3.1x) compared to the Consumer Finance industry average (5.8x).
PE vs Market: 0K5R is good value based on its PE Ratio (3.1x) compared to the UK market (12.5x).
Price to Earnings Growth Ratio
PEG Ratio: 0K5R's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: 0K5R is good value based on its PB Ratio (0.5x) compared to the GB Consumer Finance industry average (0.7x).
How is Navient forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0K5R's earnings are forecast to decline over the next 3 years (-2.9% per year).
Earnings vs Market: 0K5R's earnings are forecast to decline over the next 3 years (-2.9% per year).
High Growth Earnings: 0K5R's earnings are forecast to decline over the next 3 years.
Revenue vs Market: 0K5R's revenue is expected to decline over the next 3 years (-25.4% per year).
High Growth Revenue: 0K5R's revenue is forecast to decline over the next 3 years (-25.4% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0K5R's Return on Equity is forecast to be low in 3 years time (19.2%).
How has Navient performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0K5R has high quality earnings.
Growing Profit Margin: 0K5R's current net profit margins (34.3%) are higher than last year (25.4%).
Past Earnings Growth Analysis
Earnings Trend: 0K5R's earnings have declined by -25.3% per year over the past 5 years.
Accelerating Growth: 0K5R's earnings growth over the past year (51.1%) exceeds its 5-year average (-25.3% per year).
Earnings vs Industry: 0K5R earnings growth over the past year (51.1%) exceeded the Consumer Finance industry 12.7%.
Return on Equity
High ROE: 0K5R's Return on Equity (17.8%) is considered low.
How is Navient's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 0K5R has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0K5R's debt is covered by short term assets (assets are 1x debt).
Financial Institutions Analysis
Asset Level: 0K5R's level of assets compared to its equity is very high.
Allowance for Bad Loans: Insufficient data to determine if 0K5R has a sufficient allowance for bad loans.
Low Risk Liabilities: 0K5R reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if 0K5R has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0K5R has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if 0K5R has an appropriate level of bad loans.
What is Navient's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 0K5R's dividend (7.97%) is higher than the bottom 25% of dividend payers in the UK market (2.7%).
High Dividend: 0K5R's dividend (7.97%) is in the top 25% of dividend payers in the UK market (7.3%)
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, 0K5R has been paying a dividend for less than 10 years.
Growing Dividend: 0K5R's dividend payments have increased, but the company has only paid a dividend for 9 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (24.7%), 0K5R's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 0K5R's dividends in 3 years are forecast to be well covered by earnings (19.8% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jack Remondi (56yo)
Mr. John F. Remondi, also known as Jack, has been the Chief Executive Officer and President of Navient Corporation since April 2014. Mr. Remondi has 25-year history with Navient and its predecessors, in a ...
CEO Compensation Analysis
Compensation vs Market: Jack's total compensation ($USD6.90M) is above average for companies of similar size in the UK market ($USD1.93M).
Compensation vs Earnings: Jack's compensation has been consistent with company performance over the past year.
|CFO & Executive VP||3yrs||US$3.10m||0.16% $2.5m|
|Senior VP||2.75yrs||US$1.33m||0.075% $1.2m|
|Chief Legal Officer||5yrs||US$1.88m||0.15% $2.3m|
|Group President of Business Processing Solutions||4.75yrs||US$2.49m||0.24% $3.7m|
|Vice President of Investor Relations & Corporate Development||no data||no data||no data|
|Vice President of Corporate Communications||no data||no data||no data|
|Chief Human Resources Officer||no data||no data||no data|
|Executive Vice President of Consumer Lending||2.75yrs||US$1.95m||no data|
|Senior VP & Chief Audit Officer||2.75yrs||no data||no data|
Experienced Management: 0K5R's management team is considered experienced (3 years average tenure).
|Director||0.83yr||no data||0.0038% $59.0k|
|Independent Director||1.58yrs||US$131.83k||0.015% $229.3k|
|Independent Director||5.33yrs||US$245.05k||0.031% $478.3k|
|Independent Director||5.33yrs||US$250.05k||0.021% $328.3k|
|Independent Director||3yrs||US$230.06k||0.015% $236.8k|
|Independent Director||5.25yrs||US$260.06k||0.0094% $146.4k|
|Director||0.83yr||no data||no data|
|Independent Director||6yrs||US$248.81k||0.0032% $50.3k|
Experienced Board: 0K5R's board of directors are considered experienced (4.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Navient Corporation's company bio, employee growth, exchange listings and data sources
- Name: Navient Corporation
- Ticker: 0K5R
- Exchange: LSE
- Founded: 1973
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$1.552b
- Shares outstanding: 193.33m
- Website: https://www.navient.com
Number of Employees
- Navient Corporation
- 123 Justison Street
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|NAVI||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Sep 1983|
|10D||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Sep 1983|
|0K5R||LSE (London Stock Exchange)||Yes||Common Stock||GB||USD||Sep 1983|
Navient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States. It operates in three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company holds and acquires Federal Family Education Loan Program loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing and asset recovery services on its own loan portfolio, and federal education loans owned by the United States Department of Education and other institutions. It also holds, originates, and acquires consumer loans; and performs servicing activities on its own education loan portfolio, including primarily private education loans, and private education refinance loans. In addition, the company offers revenue cycle management and business processing services; and healthcare services that include revenue cycle outsourcing, accounts receivable management, extended business office support, and consulting engagement for federal, state, and municipal clients; public authorities; and healthcare organizations. Further, it provides customizable solutions for its clients that include non-profit/religious-affiliated hospital systems, teaching hospitals, urban medical centers, for-profit healthcare systems, critical access hospitals, children’s hospitals, and various physician groups. The company was founded in 1973 and is headquartered in Wilmington, Delaware.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/03/30 00:58|
|End of Day Share Price||2020/01/17 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.