12.44 USD
+0.02 (+0.16%)
12.44 USD
0 (0%)
Taking everything into account, NAVI scores 3 out of 10 in our fundamental rating. NAVI was compared to 55 industry peers in the Consumer Finance industry. NAVI has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
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
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 has a Return On Equity of -2.05%. This is amonst the worse of the industry: NAVI underperforms 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.
With an excellent Gross Margin value of 107.65%, NAVI belongs to the best 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.
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
The number of shares outstanding for NAVI has been reduced compared to 1 year ago.
The number of shares outstanding for NAVI has been reduced compared to 5 years ago.
Compared to 1 year ago, NAVI has an improved debt to assets ratio.
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 Altman-Z score of 0.09. This is in the lower half of the industry: NAVI underperforms 67.27% of its industry peers.
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.
NAVI has a Debt to FCF ratio (168.49) which is comparable to the rest of the 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
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: 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.
The Revenue for NAVI has decreased by -31.00% in the past year. This is quite bad
The Revenue for NAVI have been decreasing by -13.57% on average. This is quite bad
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.
Based on estimates for the next years, NAVI will show a quite strong growth in Revenue. The Revenue will grow by 8.81% on average per year.
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
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.
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.
A Price/Forward Earnings ratio of 10.25 indicates a reasonable valuation of NAVI.
The rest of the industry has a similar Price/Forward Earnings ratio as NAVI.
The average S&P500 Price/Forward Earnings ratio is at 23.51. NAVI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.25 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, NAVI is valued a bit cheaper than 67.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.41 | ||
| 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-21.49%
EPS Next 3Y-9.17%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.14%, NAVI is a good candidate for dividend investing.
NAVI's Dividend Yield is a higher than the industry average which is at 5.09.
NAVI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.14% |
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
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%
12.44
+0.02 (+0.16%)
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 Cap1.21B
Revenue(TTM)601.00M
Net Income(TTM)-50.00M
Analysts50
Price Target13.15 (5.71%)
Short Float %7.86%
Short Ratio9.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.14% |
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)-1.06%
EPS NQ rev (3m)-3.37%
EPS NY rev (1m)-129.79%
EPS NY rev (3m)-106.87%
Revenue NQ rev (1m)-2.87%
Revenue NQ rev (3m)8.61%
Revenue NY rev (1m)3%
Revenue NY rev (3m)10.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.25 | ||
| P/S | 2.02 | ||
| P/FCF | 4.41 | ||
| P/OCF | 4.41 | ||
| P/B | 0.5 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.62
EYN/A
EPS(NY)1.21
Fwd EY9.76%
FCF(TTM)2.82
FCFY22.67%
OCF(TTM)2.82
OCFY22.67%
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%.