NAVIENT CORP - NAVI 6 12/15/43 (JSM) Stock Fundamental Analysis
USA - NASDAQ:JSM - US63938C4050
18.97 USD
-0.29 (-1.51%)
19.02 USD
+0.05 (+0.26%)
We assign a fundamental rating of 2 out of 10 to JSM. JSM was compared to 55 industry peers in the Consumer Finance industry. Both the profitability and financial health of JSM have multiple concerns. JSM has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year JSM was profitable.
In the past year JSM had a positive cash flow from operations.
Each year in the past 5 years JSM has been profitable.
Each year in the past 5 years JSM had a positive operating cash flow.
1.2 Ratios
JSM has a worse Return On Assets (0.07%) than 70.91% of its industry peers.
The Return On Equity of JSM (1.33%) is worse than 70.91% of its industry peers.
JSM's Return On Invested Capital of 0.05% is on the low side compared to the rest of the industry. JSM is outperformed by 60.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for JSM is significantly below the industry average of 10.97%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.07% | ||
| ROE | 1.33% | ||
| ROIC | 0.05% |
ROA(3y)0.51%
ROA(5y)0.58%
ROE(3y)11.63%
ROE(5y)15.89%
ROIC(3y)0.44%
ROIC(5y)0.59%
1.3 Margins
JSM has a worse Profit Margin (5.24%) than 67.27% of its industry peers.
JSM's Profit Margin has declined in the last couple of years.
JSM has a Operating Margin of 4.93%. This is comparable to the rest of the industry: JSM outperforms 45.45% of its industry peers.
In the last couple of years the Operating Margin of JSM has declined.
The Gross Margin of JSM (107.09%) is better than 98.18% of its industry peers.
JSM's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.93% | ||
| PM (TTM) | 5.24% | ||
| GM | 107.09% |
OM growth 3Y-38.66%
OM growth 5Y-23.58%
PM growth 3Y-24.9%
PM growth 5Y-14.58%
GM growth 3Y-0.7%
GM growth 5Y-1.38%
2. Health
2.1 Basic Checks
The number of shares outstanding for JSM has been reduced compared to 1 year ago.
The number of shares outstanding for JSM has been reduced compared to 5 years ago.
JSM has a better debt/assets ratio than last year.
2.2 Solvency
JSM has an Altman-Z score of 0.11. This is a bad value and indicates that JSM is not financially healthy and even has some risk of bankruptcy.
JSM has a Altman-Z score of 0.11. This is in the lower half of the industry: JSM underperforms 61.82% of its industry peers.
The Debt to FCF ratio of JSM is 241.52, which is on the high side as it means it would take JSM, 241.52 years of fcf income to pay off all of its debts.
JSM's Debt to FCF ratio of 241.52 is on the low side compared to the rest of the industry. JSM is outperformed by 61.82% of its industry peers.
A Debt/Equity ratio of 18.37 is on the high side and indicates that JSM has dependencies on debt financing.
With a Debt to Equity ratio value of 18.37, JSM is not doing good in the industry: 87.27% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 18.37 | ||
| Debt/FCF | 241.52 | ||
| Altman-Z | 0.11 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.50 indicates that JSM may have some problems paying its short term obligations.
JSM has a worse Current ratio (0.50) than 63.64% of its industry peers.
A Quick Ratio of 0.50 indicates that JSM may have some problems paying its short term obligations.
JSM has a Quick ratio of 0.50. This is in the lower half of the industry: JSM underperforms 63.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 |
3. Growth
3.1 Past
JSM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -78.93%.
The Earnings Per Share has been decreasing by -5.62% on average over the past years.
Looking at the last year, JSM shows a very negative growth in Revenue. The Revenue has decreased by -31.00% in the last year.
JSM shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -13.57% yearly.
EPS 1Y (TTM)-78.93%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-80%
Revenue 1Y (TTM)-31%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%21.67%
3.2 Future
The Earnings Per Share is expected to decrease by -8.16% on average over the next years.
The Revenue is expected to grow by 9.94% on average over the next years. This is quite good.
EPS Next Y-49.66%
EPS Next 2Y-18.46%
EPS Next 3Y-8.16%
EPS Next 5YN/A
Revenue Next Year8.89%
Revenue Next 2Y3.04%
Revenue Next 3Y9.94%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 37.20, which means the current valuation is very expensive for JSM.
Based on the Price/Earnings ratio, JSM is valued a bit more expensive than the industry average as 76.36% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.11. JSM is valued slightly more expensive when compared to this.
JSM is valuated correctly with a Price/Forward Earnings ratio of 14.48.
JSM's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of JSM to the average of the S&P500 Index (22.55), we can say JSM is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.2 | ||
| Fwd PE | 14.48 |
4.2 Price Multiples
JSM's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
JSM's earnings are expected to decrease with -8.16% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-18.46%
EPS Next 3Y-8.16%
5. Dividend
5.1 Amount
JSM has a Yearly Dividend Yield of 5.34%, which is a nice return.
Compared to an average industry Dividend Yield of 4.80, JSM pays a better dividend. On top of this JSM pays more dividend than 81.82% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, JSM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.34% |
5.2 History
The dividend of JSM has a limited annual growth rate of 0.28%.
JSM has been paying a dividend for over 5 years, so it has already some track record.
JSM has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)0.28%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
197.06% of the earnings are spent on dividend by JSM. This is not a sustainable payout ratio.
JSM's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP197.06%
EPS Next 2Y-18.46%
EPS Next 3Y-8.16%
18.97
-0.29 (-1.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners104.33%
Inst Owner ChangeN/A
Ins Owners1.91%
Ins Owner ChangeN/A
Market Cap1.90B
Revenue(TTM)601.00M
Net Income(TTM)34.00M
Analysts50
Price Target21.53 (13.49%)
Short Float %0.01%
Short Ratio0.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.34% |
Yearly Dividend0.65
Dividend Growth(5Y)0.28%
DP197.06%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.15%
Min EPS beat(2)-23.4%
Max EPS beat(2)23.1%
EPS beat(4)2
Avg EPS beat(4)66.75%
Min EPS beat(4)-205.47%
Max EPS beat(4)472.75%
EPS beat(8)2
Avg EPS beat(8)12.8%
EPS beat(12)3
Avg EPS beat(12)6.91%
EPS beat(16)6
Avg EPS beat(16)-1.78%
Revenue beat(2)2
Avg Revenue beat(2)4.35%
Min Revenue beat(2)0.78%
Max Revenue beat(2)7.92%
Revenue beat(4)2
Avg Revenue beat(4)-6.06%
Min Revenue beat(4)-21.76%
Max Revenue beat(4)7.92%
Revenue beat(8)3
Avg Revenue beat(8)-3.55%
Revenue beat(12)6
Avg Revenue beat(12)-1.5%
Revenue beat(16)10
Avg Revenue beat(16)12.07%
PT rev (1m)1.78%
PT rev (3m)12.55%
EPS NQ rev (1m)-12.99%
EPS NQ rev (3m)-11.73%
EPS NY rev (1m)-1.26%
EPS NY rev (3m)-9.5%
Revenue NQ rev (1m)4.93%
Revenue NQ rev (3m)3.97%
Revenue NY rev (1m)3.3%
Revenue NY rev (3m)12.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.2 | ||
| Fwd PE | 14.48 | ||
| P/S | 2.92 | ||
| P/FCF | 9.73 | ||
| P/OCF | 9.73 | ||
| P/B | 0.74 | ||
| P/tB | 0.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.51
EY2.69%
EPS(NY)1.31
Fwd EY6.91%
FCF(TTM)1.95
FCFY10.28%
OCF(TTM)1.95
OCFY10.28%
SpS6.49
BVpS25.64
TBVpS21.28
PEG (NY)N/A
PEG (5Y)N/A
Graham Number17.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.07% | ||
| ROE | 1.33% | ||
| ROCE | 0.07% | ||
| ROIC | 0.05% | ||
| ROICexc | 0.05% | ||
| ROICexgc | 0.05% | ||
| OM | 4.93% | ||
| PM (TTM) | 5.24% | ||
| GM | 107.09% | ||
| FCFM | 30.05% |
ROA(3y)0.51%
ROA(5y)0.58%
ROE(3y)11.63%
ROE(5y)15.89%
ROIC(3y)0.44%
ROIC(5y)0.59%
ROICexc(3y)0.44%
ROICexc(5y)0.6%
ROICexgc(3y)0.45%
ROICexgc(5y)0.61%
ROCE(3y)0.64%
ROCE(5y)0.86%
ROICexgc growth 3Y-44.69%
ROICexgc growth 5Y-24.15%
ROICexc growth 3Y-44.69%
ROICexc growth 5Y-24.15%
OM growth 3Y-38.66%
OM growth 5Y-23.58%
PM growth 3Y-24.9%
PM growth 5Y-14.58%
GM growth 3Y-0.7%
GM growth 5Y-1.38%
F-Score5
Asset Turnover0.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 18.37 | ||
| Debt/FCF | 241.52 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.01 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 573.53% | ||
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 | ||
| Altman-Z | 0.11 |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)231.39%
Profit Quality(5y)206.33%
High Growth Momentum
Growth
EPS 1Y (TTM)-78.93%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-80%
EPS Next Y-49.66%
EPS Next 2Y-18.46%
EPS Next 3Y-8.16%
EPS Next 5YN/A
Revenue 1Y (TTM)-31%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%21.67%
Revenue Next Year8.89%
Revenue Next 2Y3.04%
Revenue Next 3Y9.94%
Revenue Next 5YN/A
EBIT growth 1Y-84.83%
EBIT growth 3Y-53.65%
EBIT growth 5Y-33.95%
EBIT Next Year-47.56%
EBIT Next 3Y-9.36%
EBIT Next 5YN/A
FCF growth 1Y-62.43%
FCF growth 3Y-13.21%
FCF growth 5Y-14.74%
OCF growth 1Y-62.43%
OCF growth 3Y-13.21%
OCF growth 5Y-14.74%
NAVIENT CORP - NAVI 6 12/15/43 / JSM FAQ
Can you provide the ChartMill fundamental rating for NAVIENT CORP - NAVI 6 12/15/43?
ChartMill assigns a fundamental rating of 2 / 10 to JSM.
What is the valuation status for JSM stock?
ChartMill assigns a valuation rating of 1 / 10 to NAVIENT CORP - NAVI 6 12/15/43 (JSM). This can be considered as Overvalued.
What is the profitability of JSM stock?
NAVIENT CORP - NAVI 6 12/15/43 (JSM) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for JSM stock?
The Price/Earnings (PE) ratio for NAVIENT CORP - NAVI 6 12/15/43 (JSM) is 37.2 and the Price/Book (PB) ratio is 0.74.
What is the financial health of NAVIENT CORP - NAVI 6 12/15/43 (JSM) stock?
The financial health rating of NAVIENT CORP - NAVI 6 12/15/43 (JSM) is 1 / 10.