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Price (delayed)
$14.93
Market cap
$1.6B
P/E Ratio
19.64
Dividend/share
$0.64
EPS
$0.76
Enterprise value
$48.81B
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 5% from the previous quarter
The net income has plunged by 78% YoY and by 51% from the previous quarter
The EPS has dropped by 74% year-on-year and by 47% since the previous quarter
Key stats
What are the main financial stats of NAVI
Market
Valuations
Earnings
Shares outstanding
107.36M
Market cap
$1.6B
Enterprise value
$48.81B
Price to earnings (P/E)
19.64
Price to book (P/B)
0.61
Price to sales (P/S)
1.57
EV/EBIT
435.8
EV/EBITDA
435.8
EV/Sales
47.43
Revenue
$1.03B
EBIT
$112M
EBITDA
$112M
Free cash flow
$761M
Per share
Balance sheet
Liquidity
EPS
$0.76
Free cash flow per share
$7.05
Book value per share
$24.62
Revenue per share
$9.53
TBVPS
$490.76
Total assets
$53.44B
Total liabilities
$50.75B
Debt
$50B
Equity
$2.69B
Working capital
N/A
Debt to equity
18.56
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
421.49
Margins
Efficiency
Dividend
EBITDA margin
10.9%
Gross margin
100%
Net margin
7.7%
Operating margin
10.9%
Return on assets
0.1%
Return on equity
2.9%
Return on invested capital
0.1%
Return on capital employed
N/A
Return on sales
10.9%
Dividend yield
4.29%
DPS
$0.64
Payout ratio
84.2%
NAVI stock price
How has the Navient stock price performed over time
Intraday
1.01%
1 week
-1.71%
1 month
-1.65%
1 year
-9.79%
YTD
-19.82%
QTD
-4.23%
Financial performance
How have Navient's revenue and profit performed over time
Revenue
$1.03B
Gross profit
$1.03B
Operating income
$112M
Net income
$79M
Gross margin
100%
Net margin
7.7%
The net income has plunged by 78% YoY and by 51% from the previous quarter
Navient's operating income has plunged by 76% YoY and by 47% from the previous quarter
Navient's net margin has plunged by 72% YoY and by 51% from the previous quarter
The operating margin has dropped by 70% year-on-year and by 47% since the previous quarter
Growth
What is Navient's growth rate over time
Valuation
What is Navient stock price valuation
P/E
19.64
P/B
0.61
P/S
1.57
EV/EBIT
435.8
EV/EBITDA
435.8
EV/Sales
47.43
The EPS has dropped by 74% year-on-year and by 47% since the previous quarter
The P/E is 53% above the last 4 quarters average of 12.8
The stock's price to book (P/B) is 24% less than its 5-year quarterly average of 0.8 and 13% less than its last 4 quarters average of 0.7
The equity has contracted by 7% YoY
NAVI's revenue is down by 21% year-on-year
NAVI's P/S is 13% below its last 4 quarters average of 1.8 but 12% above its 5-year quarterly average of 1.4
Efficiency
How efficient is Navient business performance
NAVI's return on assets has dropped by 80% year-on-year and by 67% since the previous quarter
The ROIC has plunged by 75% YoY and by 50% from the previous quarter
The ROS has dropped by 70% year-on-year and by 47% since the previous quarter
Navient's return on equity has shrunk by 67% YoY and by 49% QoQ
Dividends
What is NAVI's dividend history
DPS
$0.64
Dividend yield
4.29%
Payout ratio
84.2%
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 liabilities is down by 16% year-on-year and by 6% since the previous quarter
The total assets has declined by 16% year-on-year and by 6% since the previous quarter
Navient's debt has decreased by 16% YoY and by 5% from the previous quarter
The debt to equity is down by 10% year-on-year and by 3.5% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.