NAVI Navient Corp

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

Price (delayed)

$15.55

Market cap

$1.97B

P/E Ratio

4.23

Dividend/share

$0.64

EPS

$3.68

Enterprise value

$62.33B

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 15% YoY and by 6% from the previous quarter
The equity has grown by 4.7% YoY
The P/E is 24% below the 5-year quarterly average of 5.6 but 8% above the last 4 quarters average of 3.9
The gross profit is down by 27% year-on-year and by 13% since the previous quarter
NAVI's revenue is down by 27% year-on-year and by 13% since 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
126.46M
Market cap
$1.97B
Enterprise value
$62.33B
Valuations
Price to earnings (P/E)
4.23
Price to book (P/B)
0.68
Price to sales (P/S)
1.38
EV/EBIT
97.54
EV/EBITDA
97.54
EV/Sales
42.99
Earnings
Revenue
$1.45B
EBIT
$639M
EBITDA
$639M
Free cash flow
$559M
Per share
EPS
$3.68
Free cash flow per share
$4.33
Book value per share
$22.94
Revenue per share
$11.24
TBVPS
$513.26
Balance sheet
Total assets
$66.91B
Total liabilities
$63.96B
Debt
$63.14B
Equity
$2.96B
Working capital
N/A
Liquidity
Debt to equity
21.35
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
94.46
Margins
EBITDA margin
44.1%
Gross margin
100%
Net margin
34.6%
Operating margin
44.1%
Efficiency
Return on assets
0.7%
Return on equity
16.9%
Return on invested capital
0.5%
Return on capital employed
N/A
Return on sales
44.1%
Dividend
Dividend yield
4.12%
DPS
$0.64
Payout ratio
17.4%

NAVI stock price

How has the Navient stock price performed over time
Intraday
2.1%
1 week
1.3%
1 month
-5.3%
1 year
-1.08%
YTD
-5.47%
QTD
-2.75%

Financial performance

How have Navient's revenue and profit performed over time
Revenue
$1.45B
Gross profit
$1.45B
Operating income
$639M
Net income
$501M
Gross margin
100%
Net margin
34.6%
The gross profit is down by 27% year-on-year and by 13% since the previous quarter
NAVI's revenue is down by 27% year-on-year and by 13% since the previous quarter
Navient's operating income has decreased by 23% from the previous quarter and by 18% YoY
The net income has contracted by 22% from the previous quarter and by 17% YoY

Growth

What is Navient's growth rate over time

Valuation

What is Navient stock price valuation
P/E
4.23
P/B
0.68
P/S
1.38
EV/EBIT
97.54
EV/EBITDA
97.54
EV/Sales
42.99
The P/E is 24% below the 5-year quarterly average of 5.6 but 8% above the last 4 quarters average of 3.9
The EPS has declined by 19% since the previous quarter and by 4.2% year-on-year
The stock's price to book (P/B) is 24% less than its 5-year quarterly average of 0.9 and 2.9% less than its last 4 quarters average of 0.7
The equity has grown by 4.7% YoY
NAVI's revenue is down by 27% year-on-year and by 13% since the previous quarter
NAVI's P/S is 8% below its 5-year quarterly average of 1.5 but 6% above its last 4 quarters average of 1.3

Efficiency

How efficient is Navient business performance
Navient's return on equity has decreased by 24% YoY and by 23% QoQ
NAVI's return on assets is down by 22% since the previous quarter
The ROIC has contracted by 17% from the previous quarter
The ROS has increased by 12% year-on-year but it has declined by 12% since the previous quarter

Dividends

What is NAVI's dividend history
Dividend details
DPS
$0.64
Dividend yield
4.12%
Payout ratio
17.4%
Recent dividends

Financial health

How did Navient financials performed over time
The total assets is 4.6% greater than the total liabilities
The total liabilities is down by 15% year-on-year and by 6% since the previous quarter
The total assets has declined by 14% year-on-year and by 5% since the previous quarter
The debt to equity is down by 19% year-on-year and by 5% since the previous quarter
Navient's debt has decreased by 15% YoY and by 6% from the previous quarter

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