11.87 USD
+0.36 (+3.13%)
11.88 USD
+0.01 (+0.08%)
Taking everything into account, NAVI scores 2 out of 10 in our fundamental rating. NAVI was compared to 55 industry peers in the Consumer Finance industry. Both the profitability and financial health of NAVI have multiple concerns. NAVI is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year NAVI has reported negative net income.
NAVI had a positive operating cash flow in the past year.
Each year in the past 5 years NAVI has been profitable.
In the past 5 years NAVI always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of -0.10%, NAVI is not doing good in the industry: 78.18% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -2.05%, NAVI is doing worse than 80.00% of the companies in the same industry.
| 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
NAVI's Profit Margin has declined in the last couple of years.
NAVI's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 107.65%, NAVI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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
The number of shares outstanding for NAVI has been reduced compared to 1 year ago.
NAVI has less shares outstanding than it did 5 years ago.
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.
NAVI has a worse Altman-Z score (0.09) than 67.27% of its industry peers.
The Debt to FCF ratio of NAVI is 168.49, which is on the high side as it means it would take NAVI, 168.49 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 168.49, NAVI is doing worse than 60.00% of the companies in the same industry.
NAVI has a Debt/Equity ratio of 19.00. This is a high value indicating a heavy dependency on external 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 87.27% 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.
With a Current ratio value of 0.46, NAVI is not doing good in the industry: 65.45% of the companies in the same industry are doing better.
NAVI has a Quick 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.
With a Quick ratio value of 0.46, NAVI is not doing good in the industry: 65.45% of the companies in the same industry are doing better.
| 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
The Earnings Per Share is expected to decrease by -9.17% on average over the next years.
NAVI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.81% yearly.
EPS Next Y-88.25%
EPS Next 2Y-21.31%
EPS Next 3Y-9.17%
EPS Next 5YN/A
Revenue Next Year6.95%
Revenue Next 2Y4.22%
Revenue Next 3Y8.81%
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
The Price/Earnings Ratio is negative for NAVI. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 9.73, the valuation of NAVI can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as NAVI.
When comparing the Price/Forward Earnings ratio of NAVI to the average of the S&P500 Index (34.46), we can say NAVI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.73 |
4.2 Price Multiples
NAVI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NAVI is cheaper than 67.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.32 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
NAVI's earnings are expected to decrease with -9.17% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-21.31%
EPS Next 3Y-9.17%
5. Dividend
5.1 Amount
NAVI has a Yearly Dividend Yield of 5.56%, which is a nice return.
Compared to an average industry Dividend Yield of 5.07, NAVI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.42, NAVI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.56% |
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-21.31%
EPS Next 3Y-9.17%
11.87
+0.36 (+3.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners104.33%
Inst Owner Change-2.06%
Ins Owners1.91%
Ins Owner Change-0.4%
Market Cap1.19B
Revenue(TTM)601.00M
Net Income(TTM)-50.00M
Analysts50
Price Target13.15 (10.78%)
Short Float %7.82%
Short Ratio9.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.56% |
Yearly Dividend0.65
Dividend Growth(5Y)0.28%
DP-130%
Div Incr Years0
Div Non Decr Years10
Ex-Date
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)-0.36%
PT rev (3m)-2.67%
EPS NQ rev (1m)-5.11%
EPS NQ rev (3m)-3%
EPS NY rev (1m)-76.95%
EPS NY rev (3m)-78.87%
Revenue NQ rev (1m)5.84%
Revenue NQ rev (3m)11.47%
Revenue NY rev (1m)1.45%
Revenue NY rev (3m)10.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.73 | ||
| P/S | 1.98 | ||
| P/FCF | 4.32 | ||
| P/OCF | 4.32 | ||
| P/B | 0.49 | ||
| P/tB | 0.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.62
EYN/A
EPS(NY)1.22
Fwd EY10.28%
FCF(TTM)2.75
FCFY23.17%
OCF(TTM)2.75
OCFY23.17%
SpS6.01
BVpS24.39
TBVpS20.04
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-88.25%
EPS Next 2Y-21.31%
EPS Next 3Y-9.17%
EPS Next 5YN/A
Revenue 1Y (TTM)-31%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%34.17%
Revenue Next Year6.95%
Revenue Next 2Y4.22%
Revenue Next 3Y8.81%
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-9.36%
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 2 / 10 to NAVI.
Can you provide the valuation status for NAVIENT CORP?
ChartMill assigns a valuation rating of 3 / 10 to NAVIENT CORP (NAVI). This can be considered as Overvalued.
How profitable is NAVIENT CORP (NAVI) stock?
NAVIENT CORP (NAVI) has a profitability rating of 3 / 10.
What is the financial health of NAVIENT CORP (NAVI) stock?
The financial health rating of NAVIENT CORP (NAVI) is 1 / 10.
Can you provide the dividend sustainability for NAVI stock?
The dividend rating of NAVIENT CORP (NAVI) is 6 / 10 and the dividend payout ratio is -130%.