11.93 USD
-0.14 (-1.16%)
We assign a fundamental rating of 3 out of 10 to NAVI. NAVI was compared to 53 industry peers in the Consumer Finance industry. Both the profitability and financial health of NAVI have multiple concerns. NAVI has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
- NAVI had negative earnings in the past year.
- NAVI had a positive operating cash flow in the past year.
- Each year in the past 5 years NAVI has been profitable.
- Each year in the past 5 years NAVI had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of NAVI (-0.10%) is worse than 79.25% of its industry peers.
- NAVI's Return On Equity of -2.05% is on the low side compared to the rest of the industry. NAVI is outperformed by 81.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.1% | ||
| ROE | -2.05% | ||
| ROIC | N/A |
ROA(3y)0.51%
ROA(5y)0.58%
ROE(3y)11.63%
ROE(5y)15.89%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- In the last couple of years the Profit Margin of NAVI has declined.
- In the last couple of years the Operating Margin of NAVI has declined.
- NAVI's Gross Margin of 107.65% is amongst the best of the industry. NAVI outperforms 100.00% of its industry peers.
- In the last couple of years the Gross Margin of NAVI has remained more or less at the same level.
- The Profit Margin and Operating Margin are not available for NAVI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 107.65% |
OM growth 3Y-38.66%
OM growth 5Y-23.58%
PM growth 3Y-24.9%
PM growth 5Y-14.58%
GM growth 3Y-0.7%
GM growth 5Y-1.38%
2. Health
2.1 Basic Checks
- Compared to 1 year ago, NAVI has less shares outstanding
- Compared to 5 years ago, NAVI has less shares outstanding
- The debt/assets ratio for NAVI has been reduced compared to a year ago.
2.2 Solvency
- NAVI has an Altman-Z score of 0.09. This is a bad value and indicates that NAVI is not financially healthy and even has some risk of bankruptcy.
- With a Altman-Z score value of 0.09, NAVI is not doing good in the industry: 66.04% of the companies in the same industry are doing better.
- NAVI has a debt to FCF ratio of 168.49. This is a negative value and a sign of low solvency as NAVI would need 168.49 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 168.49, NAVI is in line with its industry, outperforming 43.40% of the companies in the same industry.
- A Debt/Equity ratio of 19.00 is on the high side and indicates that NAVI has dependencies on debt financing.
- NAVI's Debt to Equity ratio of 19.00 is on the low side compared to the rest of the industry. NAVI is outperformed by 86.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 19 | ||
| Debt/FCF | 168.49 | ||
| Altman-Z | 0.09 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- NAVI has a Current Ratio of 0.46. This is a bad value and indicates that NAVI is not financially healthy enough and could expect problems in meeting its short term obligations.
- The Current ratio of NAVI (0.46) is worse than 62.26% of its industry peers.
- A Quick Ratio of 0.46 indicates that NAVI may have some problems paying its short term obligations.
- NAVI's Quick ratio of 0.46 is on the low side compared to the rest of the industry. NAVI is outperformed by 62.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.46 | ||
| Quick Ratio | 0.46 |
3. Growth
3.1 Past
- NAVI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -125.62%.
- Measured over the past years, NAVI shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.62% on average per year.
- Looking at the last year, NAVI shows a very negative growth in Revenue. The Revenue has decreased by -31.00% in the last year.
- Measured over the past years, NAVI shows a very negative growth in Revenue. The Revenue has been decreasing by -13.57% on average per year.
EPS 1Y (TTM)-125.62%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-157.93%
Revenue 1Y (TTM)-31%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%34.17%
3.2 Future
- NAVI is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -9.53% yearly.
- NAVI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.59% yearly.
EPS Next Y-103.5%
EPS Next 2Y-21.34%
EPS Next 3Y-9.53%
EPS Next 5YN/A
Revenue Next Year9.14%
Revenue Next 2Y4.45%
Revenue Next 3Y8.59%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- NAVI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- NAVI is valuated reasonably with a Price/Forward Earnings ratio of 9.79.
- The rest of the industry has a similar Price/Forward Earnings ratio as NAVI.
- NAVI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.04.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.79 |
4.2 Price Multiples
- NAVI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NAVI is cheaper than 67.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.23 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A cheap valuation may be justified as NAVI's earnings are expected to decrease with -9.53% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-21.34%
EPS Next 3Y-9.53%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.88%, NAVI is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.60, NAVI pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.92, NAVI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.88% |
5.2 History
- The dividend of NAVI has a limited annual growth rate of 0.28%.
- NAVI has paid a dividend for at least 10 years, which is a reliable track record.
- NAVI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.28%
Div Incr Years0
Div Non Decr Years10
5.3 Sustainability
- The earnings of NAVI are negative and hence is the payout ratio. NAVI will probably not be able to sustain this dividend level.
DP-130%
EPS Next 2Y-21.34%
EPS Next 3Y-9.53%
NASDAQ:NAVI (1/14/2026, 10:23:47 AM)
11.93
-0.14 (-1.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)01-27 2026-01-27/amc
Inst Owners105.23%
Inst Owner Change0.03%
Ins Owners1.96%
Ins Owner Change-0.31%
Market Cap1.16B
Revenue(TTM)601.00M
Net Income(TTM)-50.00M
Analysts50
Price Target13.2 (10.65%)
Short Float %8.42%
Short Ratio9.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.88% |
Yearly Dividend0.65
Dividend Growth(5Y)0.28%
DP-130%
Div Incr Years0
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-294.05%
Min EPS beat(2)-564.69%
Max EPS beat(2)-23.4%
EPS beat(4)1
Avg EPS beat(4)-192.62%
Min EPS beat(4)-564.69%
Max EPS beat(4)23.1%
EPS beat(8)2
Avg EPS beat(8)-53.09%
EPS beat(12)3
Avg EPS beat(12)-38.23%
EPS beat(16)5
Avg EPS beat(16)-37.5%
Revenue beat(2)2
Avg Revenue beat(2)4.41%
Min Revenue beat(2)0.9%
Max Revenue beat(2)7.92%
Revenue beat(4)3
Avg Revenue beat(4)-0.39%
Min Revenue beat(4)-11.17%
Max Revenue beat(4)7.92%
Revenue beat(8)3
Avg Revenue beat(8)-6.36%
Revenue beat(12)6
Avg Revenue beat(12)-2.54%
Revenue beat(16)10
Avg Revenue beat(16)8.63%
PT rev (1m)0.43%
PT rev (3m)-7.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.36%
EPS NY rev (1m)0%
EPS NY rev (3m)-106.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.78%
Revenue NY rev (1m)-0.93%
Revenue NY rev (3m)3.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.79 | ||
| P/S | 1.94 | ||
| P/FCF | 4.23 | ||
| P/OCF | 4.23 | ||
| P/B | 0.48 | ||
| P/tB | 0.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.62
EYN/A
EPS(NY)1.22
Fwd EY10.22%
FCF(TTM)2.82
FCFY23.64%
OCF(TTM)2.82
OCFY23.64%
SpS6.16
BVpS25.01
TBVpS20.55
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.1% | ||
| ROE | -2.05% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 107.65% | ||
| FCFM | 45.76% |
ROA(3y)0.51%
ROA(5y)0.58%
ROE(3y)11.63%
ROE(5y)15.89%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)0.64%
ROCE(5y)0.86%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-38.66%
OM growth 5Y-23.58%
PM growth 3Y-24.9%
PM growth 5Y-14.58%
GM growth 3Y-0.7%
GM growth 5Y-1.38%
F-Score4
Asset Turnover0.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 19 | ||
| Debt/FCF | 168.49 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.46 | ||
| Quick Ratio | 0.46 | ||
| Altman-Z | 0.09 |
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)231.39%
Profit Quality(5y)206.33%
High Growth Momentum
Growth
EPS 1Y (TTM)-125.62%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-157.93%
EPS Next Y-103.5%
EPS Next 2Y-21.34%
EPS Next 3Y-9.53%
EPS Next 5YN/A
Revenue 1Y (TTM)-31%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%34.17%
Revenue Next Year9.14%
Revenue Next 2Y4.45%
Revenue Next 3Y8.59%
Revenue Next 5YN/A
EBIT growth 1Y-158.09%
EBIT growth 3Y-53.65%
EBIT growth 5Y-33.95%
EBIT Next Year-47.56%
EBIT Next 3Y-13.94%
EBIT Next 5YN/A
FCF growth 1Y-52.01%
FCF growth 3Y-13.21%
FCF growth 5Y-14.74%
OCF growth 1Y-52.01%
OCF growth 3Y-13.21%
OCF growth 5Y-14.74%
NAVIENT CORP / NAVI FAQ
What is the ChartMill fundamental rating of NAVIENT CORP (NAVI) stock?
ChartMill assigns a fundamental rating of 3 / 10 to NAVI.
What is the valuation status of NAVIENT CORP (NAVI) stock?
ChartMill assigns a valuation rating of 3 / 10 to NAVIENT CORP (NAVI). This can be considered as Overvalued.
What is the profitability of NAVI stock?
NAVIENT CORP (NAVI) has a profitability rating of 3 / 10.
Can you provide the expected EPS growth for NAVI stock?
The Earnings per Share (EPS) of NAVIENT CORP (NAVI) is expected to decline by -103.5% in the next year.