NAVIENT CORP (NAVI) Stock Fundamental Analysis
USA - NASDAQ:NAVI - US63938C1080 - Common Stock
12.23 USD
+0.24 (+2%)
12.2 USD
-0.03 (-0.25%)
We assign a fundamental rating of 3 out of 10 to NAVI. NAVI was compared to 55 industry peers in the Consumer Finance industry. There are concerns on the financial health of NAVI while its profitability can be described as average. NAVI has a expensive valuation and it also scores bad on growth. NAVI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
NAVI had positive earnings in the past year.
In the past year NAVI had a positive cash flow from operations.
In the past 5 years NAVI has always been profitable.
Each year in the past 5 years NAVI had a positive operating cash flow.
1.2 Ratios
The Return On Assets of NAVI (0.07%) is worse than 69.09% of its industry peers.
With a Return On Equity value of 1.33%, NAVI is not doing good in the industry: 69.09% of the companies in the same industry are doing better.
The Return On Invested Capital of NAVI (0.05%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for NAVI 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
NAVI has a Profit Margin of 5.24%. This is in the lower half of the industry: NAVI underperforms 65.45% of its industry peers.
In the last couple of years the Profit Margin of NAVI has declined.
NAVI has a Operating Margin (4.93%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of NAVI has declined.
The Gross Margin of NAVI (107.09%) is better than 100.00% of its industry peers.
In the last couple of years the Gross Margin of NAVI has remained more or less at the same level.
| 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 NAVI has been reduced compared to 1 year ago.
Compared to 5 years ago, NAVI has less shares outstanding
Compared to 1 year ago, NAVI has an improved debt to assets ratio.
2.2 Solvency
NAVI has an Altman-Z score of 0.10. This is a bad value and indicates that NAVI is not financially healthy and even has some risk of bankruptcy.
NAVI's Altman-Z score of 0.10 is on the low side compared to the rest of the industry. NAVI is outperformed by 63.64% of its industry peers.
NAVI has a debt to FCF ratio of 241.52. This is a negative value and a sign of low solvency as NAVI would need 241.52 years to pay back of all of its debts.
The Debt to FCF ratio of NAVI (241.52) is worse than 60.00% of its industry peers.
A Debt/Equity ratio of 18.37 is on the high side and indicates that NAVI has dependencies on debt financing.
The Debt to Equity ratio of NAVI (18.37) is worse than 85.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 18.37 | ||
| Debt/FCF | 241.52 | ||
| Altman-Z | 0.1 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
NAVI has a Current Ratio of 0.50. This is a bad value and indicates that NAVI is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.50, NAVI is doing worse than 61.82% of the companies in the same industry.
NAVI has a Quick Ratio of 0.50. This is a bad value and indicates that NAVI is not financially healthy enough and could expect problems in meeting its short term obligations.
NAVI has a worse Quick ratio (0.50) than 61.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 |
3. Growth
3.1 Past
The earnings per share for NAVI have decreased strongly by -78.93% in the last year.
Measured over the past years, NAVI shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.62% on average per year.
The Revenue for NAVI has decreased by -31.78% in the past year. This is quite bad
Measured over the past years, NAVI shows a very negative growth in Revenue. The Revenue has been decreasing by -13.57% on average per year.
EPS 1Y (TTM)-78.93%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-80%
Revenue 1Y (TTM)-31.78%
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.
Based on estimates for the next years, NAVI will show a quite strong growth in Revenue. The Revenue will grow by 9.94% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 23.98, which indicates a rather expensive current valuation of NAVI.
Based on the Price/Earnings ratio, NAVI is valued a bit more expensive than 69.09% of the companies in the same industry.
NAVI is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.10, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.34, the valuation of NAVI can be described as very reasonable.
NAVI's Price/Forward Earnings ratio is in line with the industry average.
NAVI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.52.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.98 | ||
| Fwd PE | 9.34 |
4.2 Price Multiples
65.45% of the companies in the same industry are more expensive than NAVI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
NAVI'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
NAVI has a Yearly Dividend Yield of 5.48%, which is a nice return.
NAVI's Dividend Yield is rather good when compared to the industry average which is at 4.75. NAVI pays more dividend than 81.82% of the companies in the same industry.
NAVI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.48% |
5.2 History
The dividend of NAVI has a limited annual growth rate of 0.28%.
NAVI has paid a dividend for at least 10 years, which is a reliable track record.
NAVI has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.28%
Div Incr Years0
Div Non Decr Years10
5.3 Sustainability
197.06% of the earnings are spent on dividend by NAVI. This is not a sustainable payout ratio.
The Dividend Rate of NAVI has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP197.06%
EPS Next 2Y-18.46%
EPS Next 3Y-8.16%
12.23
+0.24 (+2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners104.33%
Inst Owner Change0.11%
Ins Owners1.91%
Ins Owner Change-0.6%
Market Cap1.22B
Revenue(TTM)807.00M
Net Income(TTM)34.00M
Analysts50
Price Target14.23 (16.35%)
Short Float %7.99%
Short Ratio10.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.48% |
Yearly Dividend0.65
Dividend Growth(5Y)0.28%
DP197.06%
Div Incr Years0
Div Non Decr Years10
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)0%
PT rev (3m)-3.82%
EPS NQ rev (1m)-12.99%
EPS NQ rev (3m)-13.83%
EPS NY rev (1m)-1.26%
EPS NY rev (3m)-9.5%
Revenue NQ rev (1m)4.93%
Revenue NQ rev (3m)10.16%
Revenue NY rev (1m)8.13%
Revenue NY rev (3m)11.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.98 | ||
| Fwd PE | 9.34 | ||
| P/S | 1.88 | ||
| P/FCF | 6.27 | ||
| P/OCF | 6.27 | ||
| P/B | 0.48 | ||
| P/tB | 0.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.51
EY4.17%
EPS(NY)1.31
Fwd EY10.71%
FCF(TTM)1.95
FCFY15.94%
OCF(TTM)1.95
OCFY15.94%
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 | 0.1 |
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)-31.78%
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 FAQ
What is the ChartMill fundamental rating of NAVIENT CORP (NAVI) stock?
ChartMill assigns a fundamental rating of 3 / 10 to NAVI.
Can you provide the valuation status for NAVIENT CORP?
ChartMill assigns a valuation rating of 3 / 10 to NAVIENT CORP (NAVI). This can be considered as Overvalued.
How profitable is NAVIENT CORP (NAVI) stock?
NAVIENT CORP (NAVI) has a profitability rating of 4 / 10.
What is the financial health of NAVIENT CORP (NAVI) stock?
The financial health rating of NAVIENT CORP (NAVI) is 1 / 10.
Can you provide the dividend sustainability for NAVI stock?
The dividend rating of NAVIENT CORP (NAVI) is 7 / 10 and the dividend payout ratio is 197.06%.