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NAVI

NavientNasdaqGS:NAVI Stock Report

Last Price

US$20.11

Market Cap

US$3.2b

7D

-8.2%

1Y

74.7%

Updated

19 Jan, 2022

Data

Company Financials +
NAVI fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance5/6
Financial Health3/6
Dividends5/6

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.

Navient Competitors

Nelnet

NYSE:NNI

US$3.4b

Price History & Performance

Summary of all time highs, changes and price drops for Navient
Historical stock prices
Current Share PriceUS$20.11
52 Week HighUS$23.80
52 Week LowUS$10.83
Beta1.74
1 Month Change0.50%
3 Month Change1.01%
1 Year Change74.72%
3 Year Change81.01%
5 Year Change27.93%
Change since IPO335.37%

Recent News & Updates

Jan 09
I Ran A Stock Scan For Earnings Growth And Navient (NASDAQ:NAVI) Passed With Ease

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...

Nov 26
Navient (NASDAQ:NAVI) Is Due To Pay A Dividend Of US$0.16

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...

Shareholder Returns

NAVIUS Consumer FinanceUS Market
7D-8.2%-6.4%-4.6%
1Y74.7%10.0%7.7%

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.

Price Volatility

Is NAVI's price volatile compared to industry and market?
NAVI volatility
NAVI Average Weekly Movement4.2%
Consumer Finance Industry Average Movement7.8%
Market Average Movement6.6%
10% most volatile stocks in US Market15.7%
10% least volatile stocks in US Market2.4%

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

FoundedEmployeesCEOWebsite
19735,560Jack Remondihttps://www.navient.com

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

How do Navient's earnings and revenue compare to its market cap?
NAVI fundamental statistics
Market CapUS$3.24b
Earnings (TTM)US$913.00m
Revenue (TTM)US$2.27b

3.6x

P/E Ratio

1.4x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
NAVI income statement (TTM)
RevenueUS$2.27b
Cost of RevenueUS$0
Gross ProfitUS$2.27b
ExpensesUS$1.36b
EarningsUS$913.00m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

Jan 25, 2022

Earnings per share (EPS)5.66
Gross Margin100.00%
Net Profit Margin40.18%
Debt/Equity Ratio2,877.7%

How did NAVI perform over the long term?

See historical performance and comparison

Dividends

3.2%

Current Dividend Yield

12%

Payout Ratio

Valuation

Is Navient undervalued compared to its fair value and its price relative to the market?

39.8%

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).


Future Growth

How is Navient forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?

-31.3%

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%).


Past Performance

How has Navient performed over the past 5 years?

5.8%

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.


Financial Health

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.


Balance Sheet


Dividend

What is Navient current dividend yield, its reliability and sustainability?

3.18%

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).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.6yrs

Average management tenure


CEO

Jack Remondi (58 yo)

7.75yrs

Tenure

US$8,101,707

Compensation

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.


Leadership Team

Experienced Management: NAVI's management team is considered experienced (4.6 years average tenure).


Board Members

Experienced Board: NAVI's board of directors are considered experienced (7.1 years average tenure).


Ownership

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

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Navient Corporation's employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • Navient Corporation
  • 123 Justison Street
  • Wilmington
  • Delaware
  • 19801
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/01/19 23:49
End of Day Share Price2022/01/19 00:00
Earnings2021/09/30
Annual Earnings2020/12/31


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.