NAS:NAVI (USA) Also trade in: Germany UK

Navient Corp

$ 13.22 0 (0%)
Volume: 1,438,149 Avg Vol (1m): 1,446,019
Market Cap $: 3.16 Bil Enterprise Value $: 97.88 Bil
P/E (TTM): 8.58 P/B: 0.99
Earnings Power Value 0
Net Current Asset Value 0
Tangible Book 10.73
Projected FCF 68.14
Median P/S Value 12.99
Graham Number 19.28
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 3/10

GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
Current vs industry vs history
Cash-to-Debt 0.01
Cash-To-Debt ranked lower than
100.00% of 449 companies
in the Credit Services industry.
Industry Max: 10000, Med: 8.43, Min: 0.01
NAVI: 0.01
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.01, Med: 0.01, Max: 0.04
Current: 0.01
0.01
0.04
Equity-to-Asset 0.03
Equity-to-Asset ranked lower than
95.64% of 413 companies
in the Credit Services industry.
Industry Max: 1, Med: 0.43, Min: -16.13
NAVI: 0.03
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.03, Med: 0.03, Max: 0.04
Current: 0.03
0.03
0.04
Debt-to-Equity 27.96
Debt-to-Equity ranked lower than
100.00% of 220 companies
in the Credit Services industry.
Industry Max: 31.78, Med: 1.4, Min: 0.01
NAVI: 27.96
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 26.05, Med: 31.82, Max: 33.89
Current: 27.96
26.05
33.89
Debt-to-EBITDA 50.32
Debt-to-EBITDA ranked lower than
98.59% of 283 companies
in the Credit Services industry.
Industry Max: 489.17, Med: 6.7, Min: 0.03
NAVI: 50.32
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 50.32
Current: 50.32
0
50.32
WACC vs ROIC %
ROIC 0%
WACC 2.43%

Profitability & Growth : 2/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 20.83
Net Margin ranked higher than
50.00% of 438 companies
in the Credit Services industry.
Industry Max: 349450, Med: 13.22, Min: -11643.24
NAVI: 20.83
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 13.22, Med: 27.2, Max: 34.99
Current: 20.83
13.22
34.99
ROE % 11.01
ROE ranked higher than
54.59% of 436 companies
in the Credit Services industry.
Industry Max: 190103.22, Med: 6.88, Min: -6112.96
NAVI: 11.01
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 8.16, Med: 20.45, Max: 49.6
Current: 11.01
8.16
49.6
ROA % 0.37
ROA ranked lower than
69.98% of 453 companies
in the Credit Services industry.
Industry Max: 185.91, Med: 2.32, Min: -914.31
NAVI: 0.37
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 0.25, Med: 0.62, Max: 1.78
Current: 0.37
0.25
1.78
3-Year Total Revenue Growth Rate -14.60
3-Year Revenue Growth Rate ranked lower than
70.79% of 356 companies
in the Credit Services industry.
Industry Max: 1159, Med: 6.6, Min: -100
NAVI: -3.5
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -6.5, Med: -2.85, Max: 0
Current: -3.5
-6.5
0
3-Year EPS w/o NRI Growth Rate -16.60
3-Year EPS w/o NRI Growth Rate ranked lower than
83.00% of 300 companies
in the Credit Services industry.
Industry Max: 1125.7, Med: 8, Min: -132.1
NAVI: -16.6
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -26.9, Med: -13.2, Max: 10.6
Current: -16.6
-26.9
10.6

» NAVI's 30-Y Financials

Financials (Next Earnings Date: 2019-07-25)

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Business Description

Industry Credit Services » Credit Services    NAICS : 522390    SIC : 6141
Compare BKK:KTC-F BKK:MTC BOM:533398 NYSE:GDOT SHSE:600901 XKRX:029780 NAS:QFIN OSTO:INTRUM HKSE:01606 NSE:SRTRANSFIN TSX:EFN BOM:533519 TSE:7164 NYSE:NNI NSE:SUNDARMFIN BOM:532955 NAS:LX NAS:FCFS NSE:BHARATFIN BKK:SAWAD
Traded in other countries 10D.Germany 0K5R.UK
Address 123 Justison Street, Wilmington, DE, USA, 19801
Navient is a financial services company that provides asset management and business processing services to education, healthcare, and government clients at the federal, state, and local levels. The company operates in Delaware, western New York, northern Pennsylvania, Indiana, Tennessee, Texas, and Virginia, among other locations. The company has three primary reportable business segments: Federal Family Education Loan Program loans, private education loans, and business services. The company's fourth and other segment relates to financial results of the company's holding company, including activities related to repurchases of debt, corporate liquidity portfolio, and unallocated overhead and regulatory-related costs. FFELP loans are its largest revenue source.

Ratios

Current vs industry vs history
PE Ratio (TTM) 8.58
PE Ratio ranked higher than
60.35% of 343 companies
in the Credit Services industry.
Industry Max: 12291.33, Med: 16.14, Min: 0.03
NAVI: 8.58
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 3.45, Med: 7.37, Max: 16.13
Current: 8.58
3.45
16.13
Forward PE Ratio 6.16
Forward P/E ranked higher than
87.50% of 64 companies
in the Credit Services industry.
Industry Max: 56.5, Med: 12.5, Min: 0.06
NAVI: 6.16
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 8.58
PE without NRI ranked higher than
60.77% of 339 companies
in the Credit Services industry.
Industry Max: 12291.33, Med: 16.11, Min: 0.03
NAVI: 8.58
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 3.45, Med: 7.5, Max: 16.13
Current: 8.58
3.45
16.13
PB Ratio 0.99
PB Ratio ranked higher than
55.02% of 418 companies
in the Credit Services industry.
Industry Max: 2284.63, Med: 1.19, Min: 0.04
NAVI: 0.99
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.6, Med: 1.11, Max: 2.14
Current: 0.99
0.6
2.14
PS Ratio 1.74
PS Ratio ranked higher than
72.46% of 414 companies
in the Credit Services industry.
Industry Max: 1151.59, Med: 3.46, Min: 0.01
NAVI: 1.74
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 1.1, Med: 1.76, Max: 2.65
Current: 1.74
1.1
2.65
Price-to-Free-Cash-Flow 3.30
Price-to-Free-Cash-Flow ranked higher than
78.85% of 104 companies
in the Credit Services industry.
Industry Max: 1671.38, Med: 8.52, Min: 0.45
NAVI: 3.3
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 1.8, Med: 3.41, Max: 5.71
Current: 3.3
1.8
5.71
Price-to-Operating-Cash-Flow 3.30
Price-to-Operating-Cash-Flow ranked higher than
76.38% of 127 companies
in the Credit Services industry.
Industry Max: 2660, Med: 7.24, Min: 0.45
NAVI: 3.3
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 1.8, Med: 3.41, Max: 5.71
Current: 3.3
1.8
5.71
EV-to-Revenue 51.30
EV-to-Revenue ranked lower than
93.65% of 425 companies
in the Credit Services industry.
Industry Max: 95879.51, Med: 5.35, Min: 0.03
NAVI: 51.3
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 37.7, Med: 47.1, Max: 52.1
Current: 51.3
37.7
52.1

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 4.83
Trailing Dividend Yield ranked higher than
73.73% of 316 companies
in the Credit Services industry.
Industry Max: 95, Med: 2.56, Min: 0.01
NAVI: 4.83
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.84, Med: 4.62, Max: 7.49
Current: 4.83
0.84
7.49
Dividend Payout Ratio 0.42
Dividend Payout Ratio ranked lower than
52.94% of 170 companies
in the Credit Services industry.
Industry Max: 183.33, Med: 0.3, Min: 0.02
NAVI: 0.42
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.17, Med: 0.3, Max: 0.62
Current: 0.42
0.17
0.62
Forward Dividend Yield % 4.83
Forward Dividend Yield ranked higher than
69.51% of 305 companies
in the Credit Services industry.
Industry Max: 95, Med: 2.72, Min: 0.01
NAVI: 4.83
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 4.83
Yield-on-Cost (5y) ranked higher than
68.41% of 402 companies
in the Credit Services industry.
Industry Max: 142.86, Med: 2.55, Min: 0.01
NAVI: 4.83
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 0.84, Med: 4.62, Max: 7.49
Current: 4.83
0.84
7.49
3-Year Share Buyback Rate 10.90
3-Year Share Buyback Rate ranked higher than
97.94% of 194 companies
in the Credit Services industry.
Industry Max: 26, Med: -3.7, Min: -404.3
NAVI: 10.9
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: 6.2, Med: 11.3, Max: 13.2
Current: 10.9
6.2
13.2

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.23
Price-to-Tangible-Book ranked lower than
52.81% of 409 companies
in the Credit Services industry.
Industry Max: 2322.04, Med: 1.26, Min: 0.04
NAVI: 1.23
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.8, Med: 1.36, Max: 2.27
Current: 1.23
0.8
2.27
Price-to-Projected-FCF 0.19
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
100.00% of 90 companies
in the Credit Services industry.
Industry Max: 23.81, Med: 1.01, Min: 0.05
NAVI: 0.19
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.13, Med: 0.17, Max: 0.21
Current: 0.19
0.13
0.21
Price-to-Median-PS-Value 1.02
Price-to-Median-PS-Value ranked higher than
55.74% of 366 companies
in the Credit Services industry.
Industry Max: 31, Med: 1, Min: 0.01
NAVI: 1.02
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.68, Med: 1.01, Max: 1.45
Current: 1.02
0.68
1.45
Price-to-Graham-Number 0.69
Price-to-Graham-Number ranked higher than
59.80% of 199 companies
in the Credit Services industry.
Industry Max: 1124.21, Med: 1.07, Min: 0.02
NAVI: 0.69
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.46, Med: 0.76, Max: 0.9
Current: 0.69
0.46
0.9

More Statistics

Revenue (TTM) (Mil) $ 1,906
EPS (TTM) $ 1.54
Beta 2.3
Volatility % 46.5
52-Week Range $ 8.23 - 14.48
Shares Outstanding (Mil) 239.52

Analyst Estimate

Piotroski F-Score Details