12.25 USD
+0.28 (+2.34%)
12.25 USD
0 (0%)
Taking everything into account, NAVI scores 3 out of 10 in our fundamental rating. NAVI was compared to 54 industry peers in the Consumer Finance industry. NAVI has a bad profitability rating. Also its financial health evaluation is rather negative. NAVI has a expensive valuation and it also scores bad on growth.
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.
- NAVI had positive earnings in each of the past 5 years.
- In the past 5 years NAVI always reported a positive cash flow from operatings.
1.2 Ratios
- NAVI has a worse Return On Assets (-0.10%) than 79.63% of its industry peers.
- With a Return On Equity value of -2.05%, NAVI is not doing good in the industry: 81.48% of the companies in the same industry are doing better.
| 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 better Gross Margin (107.65%) than 100.00% of its industry peers.
- NAVI's Gross Margin has been stable in the last couple of years.
- 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.
- NAVI has a better debt/assets ratio than last year.
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's Altman-Z score of 0.09 is on the low side compared to the rest of the industry. NAVI is outperformed by 64.81% 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 44.44% of the companies in the same industry.
- A Debt/Equity ratio of 19.00 is on the high side and indicates that NAVI has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 19.00, NAVI is doing worse than 87.04% 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.
- NAVI has a Current ratio of 0.46. This is in the lower half of the industry: NAVI underperforms 62.96% of its industry peers.
- A Quick Ratio of 0.46 indicates that NAVI may have some problems paying its short term obligations.
- NAVI's Quick ratio of 0.46 is on the low side compared to the rest of the industry. NAVI is outperformed by 62.96% 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.
- NAVI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.62% yearly.
- 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 -9.53% yearly.
- The Revenue is expected to grow by 7.90% on average over the next years.
EPS Next Y-103.5%
EPS Next 2Y-21.34%
EPS Next 3Y-9.53%
EPS Next 5YN/A
Revenue Next Year9.14%
Revenue Next 2Y4.6%
Revenue Next 3Y7.9%
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.
- A Price/Forward Earnings ratio of 10.05 indicates a reasonable valuation of NAVI.
- NAVI's Price/Forward Earnings ratio is in line with the industry average.
- NAVI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.05 |
4.2 Price Multiples
- NAVI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NAVI is cheaper than 70.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.34 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- NAVI's earnings are expected to decrease with -9.53% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-21.34%
EPS Next 3Y-9.53%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.12%, NAVI is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.58, NAVI pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.86, NAVI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.12% |
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 their dividend for at least 10 years, which is a reliable track record.
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-21.34%
EPS Next 3Y-9.53%
12.25
+0.28 (+2.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)01-28 2026-01-28/amc
Inst Owners105.23%
Inst Owner Change0%
Ins Owners1.96%
Ins Owner Change-0.31%
Market Cap1.19B
Revenue(TTM)601.00M
Net Income(TTM)-50.00M
Analysts50
Price Target13.32 (8.73%)
Short Float %8.19%
Short Ratio8.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.12% |
Yearly Dividend0.65
Dividend Growth(5Y)0.28%
DP-130%
Div Incr Years0
Div Non Decr Years10
Ex-DateN/A
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)1.29%
PT rev (3m)-6.75%
EPS NQ rev (1m)0.71%
EPS NQ rev (3m)-5.45%
EPS NY rev (1m)0%
EPS NY rev (3m)-106.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.81%
Revenue NY rev (1m)-0.93%
Revenue NY rev (3m)3.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.05 | ||
| P/S | 1.99 | ||
| P/FCF | 4.34 | ||
| P/OCF | 4.34 | ||
| P/B | 0.49 | ||
| P/tB | 0.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.62
EYN/A
EPS(NY)1.22
Fwd EY9.95%
FCF(TTM)2.82
FCFY23.02%
OCF(TTM)2.82
OCFY23.02%
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-21.34%
EPS Next 3Y-9.53%
EPS Next 5YN/A
Revenue 1Y (TTM)-31%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%34.17%
Revenue Next Year9.14%
Revenue Next 2Y4.6%
Revenue Next 3Y7.9%
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-13.94%
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.
What is the valuation status of NAVIENT CORP (NAVI) stock?
ChartMill assigns a valuation rating of 3 / 10 to NAVIENT CORP (NAVI). This can be considered as Overvalued.
What is the profitability of NAVI stock?
NAVIENT CORP (NAVI) has a profitability rating of 3 / 10.
Can you provide the expected EPS growth for NAVI stock?
The Earnings per Share (EPS) of NAVIENT CORP (NAVI) is expected to decline by -103.5% in the next year.