12.96 USD
+0.04 (+0.31%)
13.01 USD
+0.05 (+0.39%)
Overall NAVI gets a fundamental rating of 3 out of 10. We evaluated NAVI against 56 industry peers in the Consumer Finance industry. NAVI may be in some trouble as it scores bad on both profitability and health. 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.
Each year in the past 5 years NAVI had a positive operating cash flow.
1.2 Ratios
NAVI's Return On Assets of -0.10% is on the low side compared to the rest of the industry. NAVI is outperformed by 78.18% of its industry peers.
NAVI has a worse Return On Equity (-2.05%) than 80.00% 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.
NAVI's Operating Margin has declined in the last couple of years.
NAVI has a Gross Margin of 107.65%. This is amongst the best in the industry. NAVI outperforms 100.00% of its industry peers.
NAVI's Gross Margin has been stable in the last couple of years.
NAVI does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| 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
NAVI has less shares outstanding than it did 5 years ago.
NAVI has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.09, we must say that NAVI is in the distress zone and 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.
With a Debt to FCF ratio value of 168.49, NAVI perfoms like the industry average, outperforming 43.64% 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.
The Debt to Equity ratio of NAVI (19.00) is worse than 89.09% 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
A Current Ratio of 0.46 indicates that NAVI may have some problems paying its short term obligations.
With a Current ratio value of 0.46, NAVI is not doing good in the industry: 63.64% 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.
The Quick ratio of NAVI (0.46) is worse than 63.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.46 | ||
| Quick Ratio | 0.46 |
3. Growth
3.1 Past
The earnings per share for NAVI have decreased strongly by -125.62% in the last year.
The Earnings Per Share has been decreasing by -5.62% on average over the past years.
NAVI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -31.00%.
NAVI shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -13.57% yearly.
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 -9.17% yearly.
The Revenue is expected to grow by 8.81% on average over the next years. This is quite good.
EPS Next Y-103.5%
EPS Next 2Y-21.49%
EPS Next 3Y-9.17%
EPS Next 5YN/A
Revenue Next Year10.16%
Revenue Next 2Y4.1%
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.
The Price/Forward Earnings ratio is 10.67, which indicates a very decent valuation of NAVI.
NAVI's Price/Forward Earnings is on the same level as the industry average.
NAVI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.67 |
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 | 4.6 | ||
| 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-21.49%
EPS Next 3Y-9.17%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.82%, NAVI is a good candidate for dividend investing.
NAVI's Dividend Yield is a higher than the industry average which is at 2.35.
Compared to an average S&P500 Dividend Yield of 1.87, NAVI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.82% |
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-21.49%
EPS Next 3Y-9.17%
12.96
+0.04 (+0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners105.05%
Inst Owner Change-1.92%
Ins Owners1.96%
Ins Owner Change-0.3%
Market Cap1.26B
Revenue(TTM)601.00M
Net Income(TTM)-50.00M
Analysts50
Price Target13.2 (1.85%)
Short Float %8.16%
Short Ratio9.09
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.82% |
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)-7.21%
PT rev (3m)-7.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.36%
EPS NY rev (1m)-129.79%
EPS NY rev (3m)-106.87%
Revenue NQ rev (1m)1.03%
Revenue NQ rev (3m)6.78%
Revenue NY rev (1m)3%
Revenue NY rev (3m)9.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.67 | ||
| P/S | 2.1 | ||
| P/FCF | 4.6 | ||
| P/OCF | 4.6 | ||
| P/B | 0.52 | ||
| P/tB | 0.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.62
EYN/A
EPS(NY)1.21
Fwd EY9.37%
FCF(TTM)2.82
FCFY21.76%
OCF(TTM)2.82
OCFY21.76%
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-21.49%
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 Year10.16%
Revenue Next 2Y4.1%
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-13.22%
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.
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 2 / 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%.