NAVI Navient Corp

Price (delayed)

$14.39

Market cap

$2.14B

P/E Ratio

3.75

Dividend/share

$0.64

EPS

$3.84

Enterprise value

$73.55B

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
The P/E is 48% below the 5-year quarterly average of 6.8 and 17% below the last 4 quarters average of 4.3
The equity has grown by 9% from the previous quarter and by 3.7% YoY
The net income has contracted by 32% YoY and by 16% from the previous quarter
The EPS has declined by 19% year-on-year and by 9% since the previous quarter

Key stats

What are the main financial stats of NAVI
Market
Shares outstanding
148.74M
Market cap
$2.14B
Enterprise value
$73.55B
Valuations
Price to earnings (P/E)
3.75
Price to book (P/B)
0.78
Price to sales (P/S)
1.09
EV/EBIT
93.94
EV/EBITDA
93.94
EV/Sales
36.98
Earnings
Revenue
$1.99B
EBIT
$783M
EBITDA
$783M
Free cash flow
$414M
Per share
EPS
$3.84
Free cash flow per share
$2.74
Book value per share
$18.56
Revenue per share
$13.17
TBVPS
$512.82
Balance sheet
Total assets
$78.16B
Total liabilities
$75.33B
Debt
$74.63B
Equity
$2.82B
Working capital
N/A
Liquidity
Debt to equity
26.43
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
91.2
Margins
EBITDA margin
39.4%
Gross margin
100%
Net margin
30.3%
Operating margin
39.4%
Efficiency
Return on assets
0.7%
Return on equity
22.2%
Return on invested capital
0.5%
Return on capital employed
N/A
Return on sales
39.4%
Dividend
Dividend yield
4.45%
DPS
$0.64
Payout ratio
16.7%

NAVI stock price

How has the Navient stock price performed over time
Intraday
4.88%
1 week
9.1%
1 month
-2.84%
1 year
-25.13%
YTD
-32.19%
QTD
-15.55%

Financial performance

How have Navient's revenue and profit performed over time
Revenue
$1.99B
Gross profit
$1.99B
Operating income
$783M
Net income
$602M
Gross margin
100%
Net margin
30.3%
The net income has contracted by 32% YoY and by 16% from the previous quarter
Navient's operating income has decreased by 32% YoY and by 16% from the previous quarter
Navient's net margin has decreased by 26% YoY and by 7% from the previous quarter
The operating margin is down by 26% year-on-year and by 8% since the previous quarter

Growth

What is Navient's growth rate over time

Valuation

What is Navient stock price valuation
P/E
3.75
P/B
0.78
P/S
1.09
EV/EBIT
93.94
EV/EBITDA
93.94
EV/Sales
36.98
The P/E is 48% below the 5-year quarterly average of 6.8 and 17% below the last 4 quarters average of 4.3
The EPS has declined by 19% year-on-year and by 9% since the previous quarter
The stock's price to book (P/B) is 38% less than its last 4 quarters average of 1.2 and 26% less than its 5-year quarterly average of 1.0
The equity has grown by 9% from the previous quarter and by 3.7% YoY
NAVI's P/S is 35% below its 5-year quarterly average of 1.6 and 31% below its last 4 quarters average of 1.5
NAVI's revenue is down by 10% since the previous quarter and by 8% year-on-year

Efficiency

How efficient is Navient business performance
Navient's return on equity has decreased by 40% YoY and by 17% QoQ
NAVI's return on assets is down by 30% year-on-year and by 22% since the previous quarter
The ROIC has contracted by 29% YoY and by 17% from the previous quarter
The ROS has declined by 26% year-on-year and by 8% since the previous quarter

Dividends

What is NAVI's dividend history
DPS
$0.64
Dividend yield
4.45%
Payout ratio
16.7%
Recent dividends

Financial health

How did Navient financials performed over time
The total assets is 3.8% greater than the total liabilities
The total assets has declined by 8% year-on-year and by 3% since the previous quarter
The total liabilities is down by 8% year-on-year and by 3.4% since the previous quarter
The debt to equity is down by 12% year-on-year and by 11% since the previous quarter
The equity has grown by 9% from the previous quarter and by 3.7% YoY

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