NAVIENT CORP (NAVI) Stock Fundamental Analysis
USA - NASDAQ:NAVI - US63938C1080 - Common Stock
12.23 USD
+0.24 (+2%)
12.2 USD
-0.03 (-0.25%)
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. There are concerns on the financial health of NAVI while its profitability can be described as average. NAVI is valued expensive and it does not seem to be growing. NAVI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
NAVI had positive 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 0.07%. This is in the lower half of the industry: NAVI underperforms 69.09% of its industry peers.
The Return On Equity of NAVI (1.33%) is worse than 69.09% of its industry peers.
NAVI has a Return On Invested Capital (0.05%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for NAVI is significantly below the industry average of 10.97%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.07% | ||
| ROE | 1.33% | ||
| ROIC | 0.05% |
ROA(3y)0.51%
ROA(5y)0.58%
ROE(3y)11.63%
ROE(5y)15.89%
ROIC(3y)0.44%
ROIC(5y)0.59%
1.3 Margins
NAVI has a worse Profit Margin (5.24%) than 65.45% of its industry peers.
In the last couple of years the Profit Margin of NAVI has declined.
NAVI has a Operating Margin (4.93%) which is in line with its industry peers.
In the last couple of years the Operating Margin of NAVI has declined.
NAVI's Gross Margin of 107.09% is amongst the best of 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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.93% | ||
| PM (TTM) | 5.24% | ||
| GM | 107.09% |
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 0.10, we must say that NAVI is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.10, NAVI is doing worse than 63.64% of the companies in the same industry.
NAVI has a debt to FCF ratio of 241.52. This is a negative value and a sign of low solvency as NAVI would need 241.52 years to pay back of all of its debts.
The Debt to FCF ratio of NAVI (241.52) is worse than 60.00% of its industry peers.
NAVI has a Debt/Equity ratio of 18.37. This is a high value indicating a heavy dependency on external financing.
NAVI's Debt to Equity ratio of 18.37 is on the low side compared to the rest of the industry. NAVI is outperformed by 85.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 18.37 | ||
| Debt/FCF | 241.52 | ||
| Altman-Z | 0.1 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.50 indicates that NAVI may have some problems paying its short term obligations.
NAVI's Current ratio of 0.50 is on the low side compared to the rest of the industry. NAVI is outperformed by 61.82% of its industry peers.
NAVI has a Quick Ratio of 0.50. 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 (0.50) is worse than 61.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 |
3. Growth
3.1 Past
The earnings per share for NAVI have decreased strongly by -78.93% in the last year.
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 -31.78%.
The Revenue for NAVI have been decreasing by -13.57% on average. This is quite bad
EPS 1Y (TTM)-78.93%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-80%
Revenue 1Y (TTM)-31.78%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%21.67%
3.2 Future
Based on estimates for the next years, NAVI will show a decrease in Earnings Per Share. The EPS will decrease by -8.16% on average per year.
The Revenue is expected to grow by 9.94% on average over the next years. This is quite good.
EPS Next Y-49.66%
EPS Next 2Y-18.46%
EPS Next 3Y-8.16%
EPS Next 5YN/A
Revenue Next Year8.89%
Revenue Next 2Y3.04%
Revenue Next 3Y9.94%
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
A Price/Earnings ratio of 23.98 indicates a rather expensive valuation of NAVI.
Based on the Price/Earnings ratio, NAVI is valued a bit more expensive than 69.09% of the companies in the same industry.
NAVI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.10.
Based on the Price/Forward Earnings ratio of 9.34, the valuation of NAVI can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as NAVI.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.52, NAVI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.98 | ||
| Fwd PE | 9.34 |
4.2 Price Multiples
65.45% of the companies in the same industry are more expensive than NAVI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as NAVI's earnings are expected to decrease with -8.16% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-18.46%
EPS Next 3Y-8.16%
5. Dividend
5.1 Amount
NAVI has a Yearly Dividend Yield of 5.34%, which is a nice return.
NAVI's Dividend Yield is rather good when compared to the industry average which is at 4.66. NAVI pays more dividend than 81.82% of the companies in the same industry.
NAVI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.34% |
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
NAVI pays out 197.06% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of NAVI has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP197.06%
EPS Next 2Y-18.46%
EPS Next 3Y-8.16%
12.23
+0.24 (+2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners104.33%
Inst Owner Change0.11%
Ins Owners1.91%
Ins Owner Change-0.6%
Market Cap1.22B
Revenue(TTM)807.00M
Net Income(TTM)34.00M
Analysts50
Price Target14.23 (16.35%)
Short Float %7.99%
Short Ratio10.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.34% |
Yearly Dividend0.65
Dividend Growth(5Y)0.28%
DP197.06%
Div Incr Years0
Div Non Decr Years10
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.15%
Min EPS beat(2)-23.4%
Max EPS beat(2)23.1%
EPS beat(4)2
Avg EPS beat(4)66.75%
Min EPS beat(4)-205.47%
Max EPS beat(4)472.75%
EPS beat(8)2
Avg EPS beat(8)12.8%
EPS beat(12)3
Avg EPS beat(12)6.91%
EPS beat(16)6
Avg EPS beat(16)-1.78%
Revenue beat(2)2
Avg Revenue beat(2)4.35%
Min Revenue beat(2)0.78%
Max Revenue beat(2)7.92%
Revenue beat(4)2
Avg Revenue beat(4)-6.06%
Min Revenue beat(4)-21.76%
Max Revenue beat(4)7.92%
Revenue beat(8)3
Avg Revenue beat(8)-3.55%
Revenue beat(12)6
Avg Revenue beat(12)-1.5%
Revenue beat(16)10
Avg Revenue beat(16)12.07%
PT rev (1m)0%
PT rev (3m)-3.82%
EPS NQ rev (1m)-12.99%
EPS NQ rev (3m)-13.83%
EPS NY rev (1m)-1.26%
EPS NY rev (3m)-9.5%
Revenue NQ rev (1m)4.93%
Revenue NQ rev (3m)10.16%
Revenue NY rev (1m)8.13%
Revenue NY rev (3m)11.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.98 | ||
| Fwd PE | 9.34 | ||
| P/S | 1.88 | ||
| P/FCF | 6.27 | ||
| P/OCF | 6.27 | ||
| P/B | 0.48 | ||
| P/tB | 0.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.51
EY4.17%
EPS(NY)1.31
Fwd EY10.71%
FCF(TTM)1.95
FCFY15.94%
OCF(TTM)1.95
OCFY15.94%
SpS6.49
BVpS25.64
TBVpS21.28
PEG (NY)N/A
PEG (5Y)N/A
Graham Number17.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.07% | ||
| ROE | 1.33% | ||
| ROCE | 0.07% | ||
| ROIC | 0.05% | ||
| ROICexc | 0.05% | ||
| ROICexgc | 0.05% | ||
| OM | 4.93% | ||
| PM (TTM) | 5.24% | ||
| GM | 107.09% | ||
| FCFM | 30.05% |
ROA(3y)0.51%
ROA(5y)0.58%
ROE(3y)11.63%
ROE(5y)15.89%
ROIC(3y)0.44%
ROIC(5y)0.59%
ROICexc(3y)0.44%
ROICexc(5y)0.6%
ROICexgc(3y)0.45%
ROICexgc(5y)0.61%
ROCE(3y)0.64%
ROCE(5y)0.86%
ROICexgc growth 3Y-44.69%
ROICexgc growth 5Y-24.15%
ROICexc growth 3Y-44.69%
ROICexc growth 5Y-24.15%
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-Score5
Asset Turnover0.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 18.37 | ||
| Debt/FCF | 241.52 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.01 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 573.53% | ||
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 | ||
| Altman-Z | 0.1 |
F-Score5
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)-78.93%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-80%
EPS Next Y-49.66%
EPS Next 2Y-18.46%
EPS Next 3Y-8.16%
EPS Next 5YN/A
Revenue 1Y (TTM)-31.78%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%21.67%
Revenue Next Year8.89%
Revenue Next 2Y3.04%
Revenue Next 3Y9.94%
Revenue Next 5YN/A
EBIT growth 1Y-84.83%
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-62.43%
FCF growth 3Y-13.21%
FCF growth 5Y-14.74%
OCF growth 1Y-62.43%
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 4 / 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 7 / 10 and the dividend payout ratio is 197.06%.