12.6 USD
+0.25 (+2.02%)
12.6 USD
0 (0%)
Overall NAVI gets a fundamental rating of 3 out of 10. We evaluated NAVI against 55 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
NAVI had negative earnings in the past year.
In the past year NAVI had a positive cash flow from operations.
In the past 5 years NAVI has always been profitable.
In the past 5 years NAVI always reported a positive cash flow from operatings.
1.2 Ratios
NAVI has a Return On Assets of -0.10%. This is in the lower half of the industry: NAVI underperforms 78.18% 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 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.
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
NAVI has less shares outstanding than it did 1 year ago.
The number of shares outstanding for NAVI has been reduced compared to 5 years ago.
The debt/assets ratio for NAVI has been reduced compared to a year ago.
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's Altman-Z score of 0.09 is on the low side compared to the rest of the industry. NAVI is outperformed by 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 in line with its industry, outperforming 41.82% 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.
Looking at the Debt to Equity ratio, with a value of 19.00, NAVI is doing worse than 89.09% of the companies in the same industry.
| 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.
NAVI's Current ratio of 0.46 is on the low side compared to the rest of the industry. NAVI is outperformed by 65.45% of its industry peers.
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.
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
Based on estimates for the next years, NAVI will show a decrease in Earnings Per Share. The EPS will decrease by -9.17% on average per year.
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.
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 negative for NAVI. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 10.33 indicates a reasonable valuation of NAVI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NAVI is on the same level as its industry peers.
NAVI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.22.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.33 |
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 | 4.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as NAVI's earnings are expected to decrease with -9.17% in the coming years.
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 5.13%, which is a nice return.
NAVI's Dividend Yield is a higher than the industry average which is at 5.10.
NAVI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
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
NAVI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-130%
EPS Next 2Y-21.31%
EPS Next 3Y-9.17%
12.6
+0.25 (+2.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners104.33%
Inst Owner Change-1.92%
Ins Owners1.91%
Ins Owner Change-0.29%
Market Cap1.23B
Revenue(TTM)601.00M
Net Income(TTM)-50.00M
Analysts50
Price Target13.15 (4.37%)
Short Float %7.86%
Short Ratio9.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
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)-7.61%
PT rev (3m)-10.08%
EPS NQ rev (1m)-7.35%
EPS NQ rev (3m)-3.37%
EPS NY rev (1m)-76.65%
EPS NY rev (3m)-76.95%
Revenue NQ rev (1m)1.76%
Revenue NQ rev (3m)7.5%
Revenue NY rev (1m)-1.78%
Revenue NY rev (3m)7.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.33 | ||
| P/S | 2.04 | ||
| P/FCF | 4.47 | ||
| P/OCF | 4.47 | ||
| P/B | 0.5 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.62
EYN/A
EPS(NY)1.22
Fwd EY9.68%
FCF(TTM)2.82
FCFY22.38%
OCF(TTM)2.82
OCFY22.38%
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-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 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%.