Navient Corporation

LSE:0K5R Stock Report

Market Cap: US$1.5b

Navient Past Earnings Performance

Past criteria checks 0/6

Navient's earnings have been declining at an average annual rate of -14.7%, while the Consumer Finance industry saw earnings growing at 8.8% annually. Revenues have been declining at an average rate of 8% per year. Navient's return on equity is 2.9%, and it has net margins of 7.6%.

Key information

-14.7%

Earnings growth rate

-4.1%

EPS growth rate

Consumer Finance Industry Growth4.2%
Revenue growth rate-8.0%
Return on equity2.9%
Net Margin7.6%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Navient makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

LSE:0K5R Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 241,036793580
30 Jun 241,0321603860
31 Mar 241,0951903970
31 Dec 231,1562284010
30 Sep 231,2963614090
30 Jun 231,3093874160
31 Mar 231,4505014290
31 Dec 221,6586454440
30 Sep 221,8585294730
30 Jun 221,9885975080
31 Mar 222,0626025400
31 Dec 212,2727175690
30 Sep 212,2729135680
30 Jun 212,2799485480
31 Mar 212,1578885220
31 Dec 201,5334124970
30 Sep 201,4953994780
30 Jun 201,4403354760
31 Mar 201,4553634840
31 Dec 191,7385974880
30 Sep 191,6044974990
30 Jun 191,5874665010
31 Mar 191,5133975010
31 Dec 181,5533955070
30 Sep 181,6882395180
30 Jun 181,7753025250
31 Mar 181,8533305230
31 Dec 171,7852925190
30 Sep 171,8085225020
30 Jun 171,9105764970
31 Mar 171,9445884980
31 Dec 162,0946815000
30 Sep 162,2448085020
30 Jun 162,2398144850
31 Mar 162,3498724760
31 Dec 152,5219834670
30 Sep 152,5189734560
30 Jun 152,6211,0984590
31 Mar 152,7911,2214600
31 Dec 142,9271,1314790
30 Sep 143,0041,0854910
30 Jun 142,9519715100
31 Mar 143,3951,1665210
31 Dec 133,4141,2925040

Quality Earnings: 0K5R has a large one-off loss of $45.0M impacting its last 12 months of financial results to 30th September, 2024.

Growing Profit Margin: 0K5R's current net profit margins (7.6%) are lower than last year (27.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 0K5R's earnings have declined by 14.7% per year over the past 5 years.

Accelerating Growth: 0K5R's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 0K5R had negative earnings growth (-78.1%) over the past year, making it difficult to compare to the Consumer Finance industry average (19.5%).

Return on Equity

High ROE: 0K5R's Return on Equity (2.9%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/26 02:28
End of Day Share Price 2024/12/24 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Navient Corporation is covered by 23 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Mark DeVriesBarclays
Terry MaBarclays
James FotheringhamBMO Capital Markets Equity Research