NAVI Stock Overview
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.
Price History & Performance
|Historical stock prices|
|Current Share Price||US$20.11|
|52 Week High||US$23.80|
|52 Week Low||US$10.83|
|1 Month Change||0.50%|
|3 Month Change||1.01%|
|1 Year Change||74.72%|
|3 Year Change||81.01%|
|5 Year Change||27.93%|
|Change since IPO||335.37%|
Recent News & Updates
I Ran A Stock Scan For Earnings Growth And Navient (NASDAQ:NAVI) Passed With Ease
Some have more dollars than sense, they say, so even companies that have no revenue, no profit, and a record of falling...
Navient (NASDAQ:NAVI) Is Due To Pay A Dividend Of US$0.16
The board of Navient Corporation ( NASDAQ:NAVI ) has announced that it will pay a dividend on the 17th of December...
|NAVI||US Consumer Finance||US Market|
Return vs Industry: NAVI exceeded the US Consumer Finance industry which returned 13.2% over the past year.
Return vs Market: NAVI exceeded the US Market which returned 10.2% over the past year.
|NAVI Average Weekly Movement||4.2%|
|Consumer Finance Industry Average Movement||7.8%|
|Market Average Movement||6.6%|
|10% most volatile stocks in US Market||15.7%|
|10% least volatile stocks in US Market||2.4%|
Stable Share Price: NAVI is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: NAVI's weekly volatility (4%) has been stable over the past year.
About the Company
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 through four segments: Federal Education Loans, Consumer Lending, Business Processing, and Other. The company owns 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.
Navient Fundamentals Summary
|NAVI fundamental statistics|
Is NAVI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|NAVI income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
Jan 25, 2022
|Earnings per share (EPS)||5.66|
|Net Profit Margin||40.18%|
How did NAVI perform over the long term?See historical performance and comparison
3.2%Current Dividend Yield
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: NAVI ($20.11) is trading below our estimate of fair value ($33.4)
Significantly Below Fair Value: NAVI is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: NAVI is good value based on its PE Ratio (3.6x) compared to the US Consumer Finance industry average (7.1x).
PE vs Market: NAVI is good value based on its PE Ratio (3.6x) compared to the US market (17x).
Price to Earnings Growth Ratio
PEG Ratio: NAVI's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: NAVI is good value based on its PB Ratio (1.2x) compared to the US Consumer Finance industry average (1.4x).
How is Navient forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: NAVI's earnings are forecast to decline over the next 3 years (-31.3% per year).
Earnings vs Market: NAVI's earnings are forecast to decline over the next 3 years (-31.3% per year).
High Growth Earnings: NAVI's earnings are forecast to decline over the next 3 years.
Revenue vs Market: NAVI's revenue is expected to decline over the next 3 years (-11.1% per year).
High Growth Revenue: NAVI's revenue is forecast to decline over the next 3 years (-11.1% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: NAVI's Return on Equity is forecast to be low in 3 years time (16.5%).
How has Navient performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: NAVI has high quality earnings.
Growing Profit Margin: NAVI's current net profit margins (40.2%) are higher than last year (26.7%).
Past Earnings Growth Analysis
Earnings Trend: NAVI's earnings have grown by 5.8% per year over the past 5 years.
Accelerating Growth: NAVI's earnings growth over the past year (128.8%) exceeds its 5-year average (5.8% per year).
Earnings vs Industry: NAVI earnings growth over the past year (128.8%) exceeded the Consumer Finance industry 122.5%.
Return on Equity
High ROE: Whilst NAVI's Return on Equity (33.39%) is high, this metric is skewed due to their high level of debt.
How is Navient's financial position?
Financial Position Analysis
Short Term Liabilities: NAVI's short term assets ($80.5B) exceed its short term liabilities ($3.0B).
Long Term Liabilities: NAVI's short term assets ($80.5B) exceed its long term liabilities ($76.2B).
Debt to Equity History and Analysis
Debt Level: NAVI's net debt to equity ratio (2831.1%) is considered high.
Reducing Debt: NAVI's debt to equity ratio has reduced from 3214.6% to 2877.7% over the past 5 years.
Debt Coverage: NAVI's debt is not well covered by operating cash flow (0.9%).
Interest Coverage: Insufficient data to determine if NAVI's interest payments on its debt are well covered by EBIT.
What is Navient current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: NAVI's dividend (3.18%) is higher than the bottom 25% of dividend payers in the US market (1.35%).
High Dividend: NAVI's dividend (3.18%) is low compared to the top 25% of dividend payers in the US market (3.48%).
Stability and Growth of Payments
Stable Dividend: NAVI's dividends per share have been stable in the past 10 years.
Growing Dividend: NAVI's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (12.4%), NAVI's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: NAVI's dividends in 3 years are forecast to be well covered by earnings (20.2% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jack Remondi (58 yo)
Mr. John F. Remondi, also known as Jack, has been the Chief Executive Officer and President of Navient Corporation since April 2014. Mr. Remondi has many year history with Navient and its predecessors, in...
CEO Compensation Analysis
Compensation vs Market: Jack's total compensation ($USD8.10M) is above average for companies of similar size in the US market ($USD5.14M).
Compensation vs Earnings: Jack's compensation has been consistent with company performance over the past year.
Experienced Management: NAVI's management team is considered experienced (4.6 years average tenure).
Experienced Board: NAVI's board of directors are considered experienced (7.1 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 employee growth, exchange listings and data sources
- Name: Navient Corporation
- Ticker: NAVI
- Exchange: NasdaqGS
- Founded: 1973
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: US$3.241b
- Shares outstanding: 161.17m
- Website: https://www.navient.com
Number of Employees
- Navient Corporation
- 123 Justison Street
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/01/19 23:49|
|End of Day Share Price||2022/01/19 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.