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Navient (FRA:10D) Cyclically Adjusted Price-to-FCF : 2.94 (As of Jun. 04, 2024)


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What is Navient Cyclically Adjusted Price-to-FCF?

As of today (2024-06-04), Navient's current share price is €13.90. Navient's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 was €4.72. Navient's Cyclically Adjusted Price-to-FCF for today is 2.94.

The historical rank and industry rank for Navient's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

FRA:10D' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 2.89   Med: 3.33   Max: 3.83
Current: 2.89

During the past years, Navient's highest Cyclically Adjusted Price-to-FCF was 3.83. The lowest was 2.89. And the median was 3.33.

FRA:10D's Cyclically Adjusted Price-to-FCF is ranked better than
81.37% of 102 companies
in the Credit Services industry
Industry Median: 9.475 vs FRA:10D: 2.89

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Navient's adjusted free cash flow per share data for the three months ended in Mar. 2024 was €1.469. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is €4.72 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Navient Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Navient's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Navient Cyclically Adjusted Price-to-FCF Chart

Navient Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - 3.31 3.66

Navient Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.19 3.70 3.43 3.66 3.36

Competitive Comparison of Navient's Cyclically Adjusted Price-to-FCF

For the Credit Services subindustry, Navient's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Navient's Cyclically Adjusted Price-to-FCF Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Navient's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Navient's Cyclically Adjusted Price-to-FCF falls into.



Navient Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Navient's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=13.90/4.72
=2.94

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Navient's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 is calculated as:

For example, Navient's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2024 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=1.469/131.7762*131.7762
=1.469

Current CPI (Mar. 2024) = 131.7762.

Navient Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201406 0.950 100.560 1.245
201409 0.921 100.428 1.208
201412 0.096 99.070 0.128
201503 1.138 99.621 1.505
201506 1.280 100.684 1.675
201509 0.960 100.392 1.260
201512 1.147 99.792 1.515
201603 0.895 100.470 1.174
201606 1.164 101.688 1.508
201609 0.967 101.861 1.251
201612 0.734 101.863 0.950
201703 1.128 102.862 1.445
201706 0.853 103.349 1.088
201709 0.870 104.136 1.101
201712 0.766 104.011 0.970
201803 0.856 105.290 1.071
201806 0.630 106.317 0.781
201809 0.562 106.507 0.695
201812 1.672 105.998 2.079
201903 0.674 107.251 0.828
201906 1.242 108.070 1.514
201909 1.231 108.329 1.497
201912 0.776 108.420 0.943
202003 2.050 108.902 2.481
202006 0.647 108.767 0.784
202009 0.967 109.815 1.160
202012 0.744 109.897 0.892
202103 0.813 111.754 0.959
202106 0.726 114.631 0.835
202109 1.023 115.734 1.165
202112 0.929 117.630 1.041
202203 -0.647 121.301 -0.703
202206 0.895 125.017 0.943
202209 0.487 125.227 0.512
202212 1.447 125.222 1.523
202303 1.042 127.348 1.078
202306 0.731 128.729 0.748
202309 0.945 129.860 0.959
202312 2.430 129.419 2.474
202403 1.469 131.776 1.469

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Navient  (FRA:10D) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Navient Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Navient's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Navient (FRA:10D) Business Description

Industry
Traded in Other Exchanges
Address
123 Justison Street, Wilmington, DE, USA, 19801
Navient Corp is a financial services company that provides education loan 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 Education Loans, Consumer Lending and Business Processing. 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.

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