NAVI Navient Corp
Price (delayed)
$13.24
Market cap
$1.35B
P/E Ratio
11.03
Dividend/share
$0.64
EPS
$1.2
Enterprise value
$47.57B
Navient is a leading provider of education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels. Navient helps clients and
Highlights
Navient's debt has decreased by 16% YoY and by 3.4% from the previous quarter
The P/E is 72% above the 5-year quarterly average of 6.4 but 16% below the last 4 quarters average of 13.1
The net income has soared by 66% from the previous quarter but it has contracted by 43% YoY
NAVI's revenue is down by 9% year-on-year
The gross profit is down by 9% year-on-year
Key stats
What are the main financial stats of NAVI
Market
Valuations
Earnings
Shares outstanding
102.28M
Market cap
$1.35B
Enterprise value
$47.57B
Price to earnings (P/E)
11.03
Price to book (P/B)
0.18
Price to sales (P/S)
1.39
EV/EBIT
273.39
EV/EBITDA
273.39
EV/Sales
45.78
Revenue
$1.04B
Gross profit
$1.04B
Operating income
$174M
Net income
$131M
EBIT
$174M
EBITDA
$174M
Free cash flow
$459M
Per share
Balance sheet
Liquidity
EPS
$1.2
EPS diluted
$1.18
Free cash flow per share
$4.21
Book value per share
$75.3
Revenue per share
$9.53
TBVPS
$471.12
Total assets
$51.79B
Total liabilities
$49.15B
Debt
$48.32B
Equity
$8.08B
Working capital
N/A
Debt to equity
5.98
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
265.6
Margins
Efficiency
Dividend
EBITDA margin
16.7%
Gross margin
100%
Net margin
12.6%
Operating margin
16.7%
Return on assets
0.2%
Return on equity
3.2%
Return on invested capital
0.2%
Return on capital employed
N/A
Return on sales
16.7%
Dividend yield
4.83%
DPS
$0.64
Payout ratio
53.3%
NAVI stock price
How has the Navient stock price performed over time
Intraday
0%
1 week
-2.72%
1 month
-1.85%
1 year
-20.86%
YTD
-0.38%
QTD
-0.38%
Financial performance
How have Navient's revenue and profit performed over time
Revenue
$1.04B
Gross profit
$1.04B
Operating income
$174M
Net income
$131M
Gross margin
100%
Net margin
12.6%
The net income has soared by 66% from the previous quarter but it has contracted by 43% YoY
Navient's net margin has soared by 64% from the previous quarter but it has decreased by 37% YoY
Navient's operating income has soared by 55% from the previous quarter but it has decreased by 44% YoY
The operating margin has soared by 53% since the previous quarter but it is down by 39% year-on-year
Growth
What is Navient's growth rate over time
Valuation
What is Navient stock price valuation
P/E
11.03
P/B
0.18
P/S
1.39
EV/EBIT
273.39
EV/EBITDA
273.39
EV/Sales
45.78
The P/E is 72% above the 5-year quarterly average of 6.4 but 16% below the last 4 quarters average of 13.1
The EPS has soared by 58% since the previous quarter but it has declined by 36% year-on-year
The stock's price to book (P/B) is 74% less than its 5-year quarterly average of 0.7 and 64% less than its last 4 quarters average of 0.5
NAVI's P/S is 13% below its last 4 quarters average of 1.6
NAVI's revenue is down by 9% year-on-year
Efficiency
How efficient is Navient business performance
NAVI's return on assets has surged by 100% since the previous quarter but it has dropped by 50% year-on-year
The ROIC has soared by 100% from the previous quarter but it has contracted by 33% YoY
Navient's return on equity has surged by 68% QoQ but it has decreased by 41% YoY
The ROS has soared by 53% since the previous quarter but it has declined by 39% year-on-year
Dividends
What is NAVI's dividend history
DPS
$0.64
Dividend yield
4.83%
Payout ratio
53.3%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Navient financials performed over time
The total assets is 5% greater than the total liabilities
The total assets has declined by 16% year-on-year and by 3.1% since the previous quarter
The total liabilities is down by 16% year-on-year and by 3.1% since the previous quarter
The debt to equity has dropped by 68% since the previous quarter and by 17% year-on-year
Navient's debt has decreased by 16% YoY and by 3.4% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.