The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-04-28), Navient's share price is $15.72. Navient's Book Value per Share for the quarter that ended in Mar. 2024 was $24.74. Hence, Navient's PB Ratio of today is 0.64.
Good Sign:
Navient Corp stock PB Ratio (=0.64) is close to 3-year low of 0.64
The historical rank and industry rank for Navient's PB Ratio or its related term are showing as below:
NAVI'
s PB Ratio Range Over the Past 10 Years
Min: 0.39 Med: 0.97 Max: 2.21
Current: 0.64
During the past 12 years, Navient's highest PB Ratio was 2.21. The lowest was 0.39. And the median was 0.97.
NAVI's PB Ratio is ranked better than 72.27% of 512
companies
in the Credit Services industry
Industry Median: 1.035
vs NAVI: 0.64
During the past 12 months, Navient's average Book Value Per Share Growth Rate was 6.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 23.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.70% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of Navient was 23.20% per year. The lowest was -0.30% per year. And the median was 7.40% per year.
Back to Basics: PB Ratio
Navient PB Ratio Historical Data
The historical data trend for Navient's PB Ratio 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.
For the Credit Services subindustry, Navient's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio Distribution in the Credit Services Industry
For the Credit Services industry and Financial Services sector, Navient's PB Ratio distribution charts can be found below:
* The bar in red indicates where Navient's PB Ratio falls into.
Navient PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Navient's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Navient PB Ratio Related Terms
Thank you for viewing the detailed overview of Navient's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.
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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