NAVIENT CORP (NAVI) Stock Fundamental Analysis
NASDAQ:NAVI - Nasdaq - US63938C1080 - Common Stock - Currency: USD
Overall NAVI gets a fundamental rating of 3 out of 10. We evaluated NAVI against 53 industry peers in the Consumer Finance industry. There are concerns on the financial health of NAVI while its profitability can be described as average. NAVI has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally NAVI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year NAVI was profitable.
NAVI had a positive operating cash flow in the past year.
In the past 5 years NAVI has always been profitable.
NAVI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.11%, NAVI is not doing good in the industry: 67.92% of the companies in the same industry are doing better.
The Return On Equity of NAVI (2.16%) is worse than 67.92% of its industry peers.
NAVI has a worse Return On Invested Capital (0.09%) than 60.38% of its industry peers.
The Average Return On Invested Capital over the past 3 years for NAVI is significantly below the industry average of 10.31%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.11% | ||
| ROE | 2.16% | ||
| ROIC | 0.09% |
ROA(3y)0.51%
ROA(5y)0.58%
ROE(3y)11.63%
ROE(5y)15.89%
ROIC(3y)0.44%
ROIC(5y)0.59%
1.3 Margins
NAVI has a Profit Margin of 7.65%. This is comparable to the rest of the industry: NAVI outperforms 45.28% of its industry peers.
In the last couple of years the Profit Margin of NAVI has declined.
Looking at the Operating Margin, with a value of 8.33%, NAVI is in line with its industry, outperforming 50.94% of the companies in the same industry.
In the last couple of years the Operating Margin of NAVI has declined.
The Gross Margin of NAVI (106.83%) is better than 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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.33% | ||
| PM (TTM) | 7.65% | ||
| GM | 106.83% |
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.
Compared to 5 years ago, NAVI has less shares outstanding
Compared to 1 year ago, NAVI has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.11, we must say that NAVI is in the distress zone and has some risk of bankruptcy.
NAVI's Altman-Z score of 0.11 is on the low side compared to the rest of the industry. NAVI is outperformed by 66.04% of its industry peers.
NAVI has a debt to FCF ratio of 137.15. This is a negative value and a sign of low solvency as NAVI would need 137.15 years to pay back of all of its debts.
The Debt to FCF ratio of NAVI (137.15) is worse than 66.04% of its industry peers.
NAVI has a Debt/Equity ratio of 18.43. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 18.43, NAVI is not doing good in the industry: 88.68% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 18.43 | ||
| Debt/FCF | 137.15 | ||
| Altman-Z | 0.11 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
NAVI has a Current Ratio of 0.48. This is a bad value and indicates that NAVI is not financially healthy enough and could expect problems in meeting its short term obligations.
NAVI has a worse Current ratio (0.48) than 62.26% of its industry peers.
NAVI has a Quick Ratio of 0.48. 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 0.48, NAVI is not doing good in the industry: 62.26% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.48 | ||
| Quick Ratio | 0.48 |
3. Growth
3.1 Past
The earnings per share for NAVI have decreased by -5.41% in the last year.
The Earnings Per Share has been decreasing by -5.62% on average over the past years.
Looking at the last year, NAVI shows a very negative growth in Revenue. The Revenue has decreased by -33.88% 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)-5.41%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-46.81%
Revenue 1Y (TTM)-33.88%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%-20.25%
3.2 Future
Based on estimates for the next years, NAVI will show a decrease in Earnings Per Share. The EPS will decrease by -9.32% on average per year.
Based on estimates for the next years, NAVI will show a decrease in Revenue. The Revenue will decrease by -0.84% on average per year.
EPS Next Y-44.38%
EPS Next 2Y-16.73%
EPS Next 3Y-9.32%
EPS Next 5YN/A
Revenue Next Year-2.22%
Revenue Next 2Y-0.84%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.60, which indicates a very decent valuation of NAVI.
Based on the Price/Earnings ratio, NAVI is valued a bit cheaper than the industry average as 73.58% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.41, NAVI is valued rather cheaply.
NAVI is valuated reasonably with a Price/Forward Earnings ratio of 11.01.
NAVI's Price/Forward Earnings ratio is in line with the industry average.
NAVI is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.19, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.6 | ||
| Fwd PE | 11.01 |
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 | 4.37 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as NAVI's earnings are expected to decrease with -9.32% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-16.73%
EPS Next 3Y-9.32%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.11%, NAVI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.62, NAVI pays a better dividend. On top of this NAVI pays more dividend than 83.02% of the companies listed in the same industry.
NAVI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.11% |
5.2 History
The dividend of NAVI has a limited annual growth rate of 0.28%.
NAVI has been paying a dividend for at least 10 years, so it has 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
NAVI pays out 121.43% of its income as dividend. This is not a sustainable payout ratio.
NAVI's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP121.43%
EPS Next 2Y-16.73%
EPS Next 3Y-9.32%
NASDAQ:NAVI (7/14/2025, 3:58:58 PM)
15.045
-0.2 (-1.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners103.17%
Inst Owner Change0%
Ins Owners1.91%
Ins Owner Change2%
Market Cap1.52B
Analysts51.43
Price Target13.49 (-10.34%)
Short Float %7.71%
Short Ratio11.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.11% |
Yearly Dividend0.65
Dividend Growth(5Y)0.28%
DP121.43%
Div Incr Years0
Div Non Decr Years10
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-91.18%
Min EPS beat(2)-205.47%
Max EPS beat(2)23.1%
EPS beat(4)2
Avg EPS beat(4)64.17%
Min EPS beat(4)-205.47%
Max EPS beat(4)472.75%
EPS beat(8)2
Avg EPS beat(8)14.85%
EPS beat(12)4
Avg EPS beat(12)10.08%
EPS beat(16)7
Avg EPS beat(16)0.24%
Revenue beat(2)0
Avg Revenue beat(2)-10.09%
Min Revenue beat(2)-11.17%
Max Revenue beat(2)-9.01%
Revenue beat(4)0
Avg Revenue beat(4)-15.41%
Min Revenue beat(4)-21.76%
Max Revenue beat(4)-9.01%
Revenue beat(8)1
Avg Revenue beat(8)-8.49%
Revenue beat(12)5
Avg Revenue beat(12)1.14%
Revenue beat(16)9
Avg Revenue beat(16)14.48%
PT rev (1m)0%
PT rev (3m)-4.8%
EPS NQ rev (1m)-4.48%
EPS NQ rev (3m)-3.49%
EPS NY rev (1m)-0.93%
EPS NY rev (3m)-0.28%
Revenue NQ rev (1m)1.79%
Revenue NQ rev (3m)4.48%
Revenue NY rev (1m)0.81%
Revenue NY rev (3m)0.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.6 | ||
| Fwd PE | 11.01 | ||
| P/S | 2.08 | ||
| P/FCF | 4.37 | ||
| P/OCF | 4.37 | ||
| P/B | 0.59 | ||
| P/tB | 0.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.75
EY11.63%
EPS(NY)1.37
Fwd EY9.08%
FCF(TTM)3.44
FCFY22.87%
OCF(TTM)3.44
OCFY22.87%
SpS7.24
BVpS25.6
TBVpS21.28
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.11% | ||
| ROE | 2.16% | ||
| ROCE | 0.13% | ||
| ROIC | 0.09% | ||
| ROICexc | 0.09% | ||
| ROICexgc | 0.09% | ||
| OM | 8.33% | ||
| PM (TTM) | 7.65% | ||
| GM | 106.83% | ||
| FCFM | 47.54% |
ROA(3y)0.51%
ROA(5y)0.58%
ROE(3y)11.63%
ROE(5y)15.89%
ROIC(3y)0.44%
ROIC(5y)0.59%
ROICexc(3y)0.44%
ROICexc(5y)0.6%
ROICexgc(3y)0.45%
ROICexgc(5y)0.61%
ROCE(3y)0.64%
ROCE(5y)0.86%
ROICexcg growth 3Y-44.69%
ROICexcg growth 5Y-24.15%
ROICexc growth 3Y-44.69%
ROICexc growth 5Y-24.15%
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-Score6
Asset Turnover0.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 18.43 | ||
| Debt/FCF | 137.15 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.02 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 621.43% | ||
| Current Ratio | 0.48 | ||
| Quick Ratio | 0.48 | ||
| Altman-Z | 0.11 |
F-Score6
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)-5.41%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-46.81%
EPS Next Y-44.38%
EPS Next 2Y-16.73%
EPS Next 3Y-9.32%
EPS Next 5YN/A
Revenue 1Y (TTM)-33.88%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%-20.25%
Revenue Next Year-2.22%
Revenue Next 2Y-0.84%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-75.2%
EBIT growth 3Y-53.65%
EBIT growth 5Y-33.95%
EBIT Next Year-50.41%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-37.75%
FCF growth 3Y-13.21%
FCF growth 5Y-14.74%
OCF growth 1Y-37.75%
OCF growth 3Y-13.21%
OCF growth 5Y-14.74%