NAVI Navient Corp

  1. Stocks
  2. Financial Services
  3. NASDAQ: NAVI

Price (delayed)

$15.95

Market cap

$1.75B

P/E Ratio

11.08

Dividend/share

$0.64

EPS

$1.44

Enterprise value

$50.61B

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 14% YoY and by 4.3% from the previous quarter
The P/E is 105% above the 5-year quarterly average of 5.4 and 22% above the last 4 quarters average of 9.1
The net income has plunged by 59% YoY and by 16% from the previous quarter
Sector: Financial Services
Industry: Credit Services
Website: https://www.navient.com/
Peers: NNI LC SCHW CIM

Key stats

What are the main financial stats of NAVI
Market
Shares outstanding
109.41M
Market cap
$1.75B
Enterprise value
$50.61B
Valuations
Price to earnings (P/E)
11.08
Price to book (P/B)
0.65
Price to sales (P/S)
1.73
EV/EBIT
241
EV/EBITDA
241
EV/Sales
49.38
Earnings
Revenue
$1.03B
EBIT
$210M
EBITDA
$210M
Free cash flow
$893M
Per share
EPS
$1.44
Free cash flow per share
$8.05
Book value per share
$24.57
Revenue per share
$9.23
TBVPS
$503.89
Balance sheet
Total assets
$56.62B
Total liabilities
$53.87B
Debt
$52.87B
Equity
$2.75B
Working capital
N/A
Liquidity
Debt to equity
19.24
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
232.69
Margins
EBITDA margin
20.5%
Gross margin
100%
Net margin
15.6%
Operating margin
20.5%
Efficiency
Return on assets
0.3%
Return on equity
5.7%
Return on invested capital
0.2%
Return on capital employed
N/A
Return on sales
20.5%
Dividend
Dividend yield
4.01%
DPS
$0.64
Payout ratio
44.4%

NAVI stock price

How has the Navient stock price performed over time
Intraday
2.24%
1 week
3.57%
1 month
12.09%
1 year
-14.52%
YTD
-14.34%
QTD
9.55%

Financial performance

How have Navient's revenue and profit performed over time
Revenue
$1.03B
Gross profit
$1.03B
Operating income
$210M
Net income
$160M
Gross margin
100%
Net margin
15.6%
The net income has plunged by 59% YoY and by 16% from the previous quarter
Navient's operating income has plunged by 57% YoY and by 19% from the previous quarter
Navient's net margin has decreased by 47% YoY and by 11% from the previous quarter
The operating margin is down by 45% year-on-year and by 14% since the previous quarter

Growth

What is Navient's growth rate over time

Valuation

What is Navient stock price valuation
NAVI P/E details
P/E
11.08
P/B
0.65
P/S
1.73
EV/EBIT
241
EV/EBITDA
241
EV/Sales
49.38
The P/E is 105% above the 5-year quarterly average of 5.4 and 22% above the last 4 quarters average of 9.1
The EPS has dropped by 52% year-on-year and by 13% since the previous quarter
The stock's price to book (P/B) is 19% less than its 5-year quarterly average of 0.8 and 7% less than its last 4 quarters average of 0.7
The equity has contracted by 6% YoY
NAVI's P/S is 24% above its 5-year quarterly average of 1.4
NAVI's revenue is down by 22% year-on-year and by 6% since the previous quarter

Efficiency

How efficient is Navient business performance
NAVI's return on assets has dropped by 50% year-on-year
The ROIC has plunged by 50% YoY
The ROS has declined by 45% year-on-year and by 14% since the previous quarter
Navient's return on equity has decreased by 38% YoY and by 15% QoQ

Dividends

What is NAVI's dividend history
Dividend details
DPS
$0.64
Dividend yield
4.01%
Payout ratio
44.4%
Recent dividends

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 14% year-on-year and by 4.1% since the previous quarter
The total liabilities is down by 14% year-on-year and by 4.2% since the previous quarter
Navient's debt has decreased by 14% YoY and by 4.3% from the previous quarter
The debt to equity is down by 9% year-on-year and by 3.7% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.