NAVIENT CORP (NAVI) Stock Fundamental Analysis
USA - NASDAQ:NAVI - US63938C1080 - Common Stock
12.07 USD
-0.13 (-1.07%)
12.07 USD
0 (0%)
NAVI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals 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 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.
In the past year NAVI had a positive cash flow from operations.
Each year in the past 5 years NAVI has been profitable.
NAVI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
NAVI has a worse Return On Assets (-0.10%) than 78.18% of its industry peers.
The Return On Equity of NAVI (-2.05%) is worse 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.
The Gross Margin of NAVI (107.65%) 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.
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
NAVI has less shares outstanding than it did 1 year ago.
NAVI has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, NAVI has an improved debt to assets ratio.
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.
Looking at the Altman-Z score, with a value of 0.09, NAVI is doing worse than 67.27% of the companies in the same industry.
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's Debt to FCF ratio of 168.49 is on the low side compared to the rest of the industry. NAVI is outperformed by 60.00% of its industry peers.
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 87.27% 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.
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.
Looking at the Quick ratio, with a value of 0.46, NAVI is doing worse than 65.45% of the companies in the same industry.
| 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%.
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 -31.00% 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)-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.
The Revenue is expected to grow by 8.81% on average over the next years. This is quite good.
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
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
NAVI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 9.89, the valuation of NAVI can be described as very reasonable.
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 34.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.89 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of NAVI indicates a somewhat cheap valuation: NAVI is cheaper than 67.27% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.39 | ||
| 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
With a Yearly Dividend Yield of 5.25%, NAVI is a good candidate for dividend investing.
NAVI's Dividend Yield is a higher than the industry average which is at 4.70.
Compared to an average S&P500 Dividend Yield of 2.44, NAVI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.25% |
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 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%
12.07
-0.13 (-1.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners104.33%
Inst Owner Change-2.06%
Ins Owners1.91%
Ins Owner Change-0.4%
Market Cap1.21B
Revenue(TTM)601.00M
Net Income(TTM)-50.00M
Analysts50
Price Target14.23 (17.9%)
Short Float %7.99%
Short Ratio10.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.25% |
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)-0.36%
PT rev (3m)-2.67%
EPS NQ rev (1m)-5.11%
EPS NQ rev (3m)-3%
EPS NY rev (1m)-76.95%
EPS NY rev (3m)-78.87%
Revenue NQ rev (1m)5.84%
Revenue NQ rev (3m)11.47%
Revenue NY rev (1m)1.45%
Revenue NY rev (3m)10.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.89 | ||
| P/S | 2.01 | ||
| P/FCF | 4.39 | ||
| P/OCF | 4.39 | ||
| P/B | 0.49 | ||
| P/tB | 0.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.62
EYN/A
EPS(NY)1.22
Fwd EY10.11%
FCF(TTM)2.75
FCFY22.78%
OCF(TTM)2.75
OCFY22.78%
SpS6.01
BVpS24.39
TBVpS20.04
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 2 / 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 1 / 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%.