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 (-%)
Manual of Stocks™ Web
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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
» NAVI's 30-Y Financials
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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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
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
|
| 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
|
| 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
|
| 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
|
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
|
| 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
|
| 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
|
| 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
|
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 |