13 USD
-0.12 (-0.91%)
13 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to NAVI. NAVI was compared to 53 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.
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's Return On Assets of -0.10% is on the low side compared to the rest of the industry. NAVI is outperformed by 79.25% of its industry peers.
Looking at the Return On Equity, with a value of -2.05%, NAVI is doing worse than 81.13% of the companies in the same industry.
| 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
NAVI's Profit Margin has declined in the last couple of years.
NAVI's Operating Margin has declined in the last couple of years.
NAVI's Gross Margin of 107.65% is amongst the best of the industry. NAVI outperforms 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.
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 0.09, we must say that NAVI is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of NAVI (0.09) is worse than 66.04% 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 of 168.49. This is comparable to the rest of the industry: NAVI outperforms 43.40% 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.
NAVI has a worse Debt to Equity ratio (19.00) than 86.79% 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.
The Current ratio of NAVI (0.46) is worse than 62.26% of its industry peers.
A Quick Ratio of 0.46 indicates that NAVI may have some problems paying its short term obligations.
The Quick ratio of NAVI (0.46) is worse than 62.26% of its industry peers.
| 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.
NAVI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -31.00%.
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
Based on estimates for the next years, NAVI will show a decrease in Earnings Per Share. The EPS will decrease by -9.53% on average per year.
The Revenue is expected to grow by 8.59% on average over the next years. This is quite good.
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 2Y4.45%
Revenue Next 3Y8.59%
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.
The Price/Forward Earnings ratio is 10.67, which indicates a very decent valuation of NAVI.
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 23.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.67 |
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 67.92% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.61 | ||
| 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 4.88%, NAVI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.60, NAVI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.92, NAVI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.88% |
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%
13
-0.12 (-0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners105.23%
Inst Owner Change0.03%
Ins Owners1.96%
Ins Owner Change-0.31%
Market Cap1.27B
Revenue(TTM)601.00M
Net Income(TTM)-50.00M
Analysts50
Price Target13.2 (1.54%)
Short Float %8.42%
Short Ratio9.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.88% |
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)0.43%
PT rev (3m)-7.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.36%
EPS NY rev (1m)0%
EPS NY rev (3m)-106.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.78%
Revenue NY rev (1m)-0.93%
Revenue NY rev (3m)3.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.67 | ||
| P/S | 2.11 | ||
| P/FCF | 4.61 | ||
| P/OCF | 4.61 | ||
| P/B | 0.52 | ||
| P/tB | 0.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.62
EYN/A
EPS(NY)1.22
Fwd EY9.38%
FCF(TTM)2.82
FCFY21.69%
OCF(TTM)2.82
OCFY21.69%
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 2Y4.45%
Revenue Next 3Y8.59%
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.