NAVIENT CORP (NAVI) Fundamental Analysis & Valuation

NASDAQ:NAVI • US63938C1080

Current stock price

8.16 USD
+0.22 (+2.77%)
At close:
8.1018 USD
-0.06 (-0.71%)
After Hours:

This NAVI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. NAVI Profitability Analysis

1.1 Basic Checks

  • NAVI had negative earnings in the past year.
  • In the past year NAVI had a positive cash flow from operations.
  • NAVI had positive earnings in 4 of the past 5 years.
  • NAVI had a positive operating cash flow in each of the past 5 years.
NAVI Yearly Net Income VS EBIT VS OCF VS FCFNAVI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

1.2 Ratios

  • NAVI has a worse Return On Assets (-0.16%) than 81.48% of its industry peers.
  • NAVI's Return On Equity of -3.29% is on the low side compared to the rest of the industry. NAVI is outperformed by 81.48% of its industry peers.
Industry RankSector Rank
ROA -0.16%
ROE -3.29%
ROIC N/A
ROA(3y)0.15%
ROA(5y)0.45%
ROE(3y)3.3%
ROE(5y)11.83%
ROIC(3y)N/A
ROIC(5y)N/A
NAVI Yearly ROA, ROE, ROICNAVI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20

1.3 Margins

  • NAVI's Gross Margin of 109.41% is amongst the best of the industry. NAVI outperforms 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.
  • The Profit Margin and Operating Margin are not available for NAVI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 109.41%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.29%
GM growth 5Y-0.56%
NAVI Yearly Profit, Operating, Gross MarginsNAVI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80 100

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. NAVI Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, NAVI has less shares outstanding
  • Compared to 5 years ago, NAVI has less shares outstanding
  • The debt/assets ratio for NAVI is higher compared to a year ago.
NAVI Yearly Shares OutstandingNAVI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
NAVI Yearly Total Debt VS Total AssetsNAVI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.2 Solvency

  • Based on the Altman-Z score of -0.01, we must say that NAVI is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -0.01, NAVI is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
  • NAVI has a debt to FCF ratio of 103.64. This is a negative value and a sign of low solvency as NAVI would need 103.64 years to pay back of all of its debts.
  • NAVI's Debt to FCF ratio of 103.64 is on the low side compared to the rest of the industry. NAVI is outperformed by 61.11% of its industry peers.
  • NAVI has a Debt/Equity ratio of 17.50. This is a high value indicating a heavy dependency on external financing.
  • NAVI has a Debt to Equity ratio of 17.50. This is amonst the worse of the industry: NAVI underperforms 90.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 17.5
Debt/FCF 103.64
Altman-Z -0.01
ROIC/WACCN/A
WACCN/A
NAVI Yearly LT Debt VS Equity VS FCFNAVI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.3 Liquidity

  • NAVI has a Current Ratio of 0.26. This is a bad value and indicates that NAVI is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of NAVI (0.26) is worse than 66.67% of its industry peers.
  • A Quick Ratio of 0.26 indicates that NAVI may have some problems paying its short term obligations.
  • NAVI has a worse Quick ratio (0.26) than 66.67% of its industry peers.
Industry RankSector Rank
Current Ratio 0.26
Quick Ratio 0.26
NAVI Yearly Current Assets VS Current LiabilitesNAVI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. NAVI Growth Analysis

3.1 Past

  • The earnings per share for NAVI have decreased strongly by -118.27% in the last year.
  • NAVI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -32.92%.
  • NAVI shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -20.53% yearly.
EPS 1Y (TTM)-118.27%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%108.33%
Revenue 1Y (TTM)-32.92%
Revenue growth 3Y-28.08%
Revenue growth 5Y-20.53%
Sales Q2Q%-12.59%

3.2 Future

  • The Earnings Per Share is expected to grow by 77.56% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, NAVI will show a quite strong growth in Revenue. The Revenue will grow by 8.23% on average per year.
EPS Next Y299.04%
EPS Next 2Y116.95%
EPS Next 3Y77.56%
EPS Next 5YN/A
Revenue Next Year-9.65%
Revenue Next 2Y2.05%
Revenue Next 3Y8.23%
Revenue Next 5YN/A

3.3 Evolution

  • 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.
NAVI Yearly Revenue VS EstimatesNAVI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
NAVI Yearly EPS VS EstimatesNAVI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 1 2 3 4

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Find the best growth stocksShow best growing peers

5

4. NAVI Valuation Analysis

4.1 Price/Earnings Ratio

  • NAVI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • With a Price/Forward Earnings ratio of 11.39, 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 37.96.
Industry RankSector Rank
PE N/A
Fwd PE 11.39
NAVI Price Earnings VS Forward Price EarningsNAVI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20

4.2 Price Multiples

  • 79.63% of the companies in the same industry are more expensive than NAVI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.76
EV/EBITDA N/A
NAVI Per share dataNAVI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

4.3 Compensation for Growth

  • NAVI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • NAVI's earnings are expected to grow with 77.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y116.95%
EPS Next 3Y77.56%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. NAVI Dividend Analysis

5.1 Amount

  • NAVI has a Yearly Dividend Yield of 7.71%, which is a nice return.
  • In the last 3 months the price of NAVI has falen by -34.77%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 3.23, NAVI pays a better dividend. On top of this NAVI pays more dividend than 83.33% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, NAVI pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.71%

5.2 History

  • The dividend of NAVI has a limited annual growth rate of 0.69%.
  • NAVI has been paying a dividend for at least 10 years, so it has a reliable track record.
  • NAVI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.69%
Div Incr Years0
Div Non Decr Years11
NAVI Yearly Dividends per shareNAVI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • The earnings of NAVI are negative and hence is the payout ratio. NAVI will probably not be able to sustain this dividend level.
  • The dividend of NAVI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-79.75%
EPS Next 2Y116.95%
EPS Next 3Y77.56%
NAVI Yearly Income VS Free CF VS DividendNAVI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

More info and screens

Find the best dividend stocksShow peers with best dividend

NAVI Fundamentals: All Metrics, Ratios and Statistics

NAVIENT CORP

NASDAQ:NAVI (4/13/2026, 8:00:01 PM)

After market: 8.1018 -0.06 (-0.71%)

8.16

+0.22 (+2.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-28
Earnings (Next)04-29
Inst Owners101.91%
Inst Owner Change0.06%
Ins Owners1.75%
Ins Owner Change0.95%
Market Cap775.93M
Revenue(TTM)542.00M
Net Income(TTM)-79.00M
Analysts50
Price Target10.14 (24.26%)
Short Float %9.23%
Short Ratio7.67
Dividend
Industry RankSector Rank
Dividend Yield 7.71%
Yearly Dividend0.63
Dividend Growth(5Y)0.69%
DP-79.75%
Div Incr Years0
Div Non Decr Years11
Ex-Date03-06
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-329.23%
Min EPS beat(2)-564.69%
Max EPS beat(2)-93.76%
EPS beat(4)1
Avg EPS beat(4)-164.69%
Min EPS beat(4)-564.69%
Max EPS beat(4)23.1%
EPS beat(8)2
Avg EPS beat(8)-55.73%
EPS beat(12)3
Avg EPS beat(12)-45.15%
EPS beat(16)5
Avg EPS beat(16)-34.08%
Revenue beat(2)1
Avg Revenue beat(2)-12.79%
Min Revenue beat(2)-26.48%
Max Revenue beat(2)0.9%
Revenue beat(4)3
Avg Revenue beat(4)-4.22%
Min Revenue beat(4)-26.48%
Max Revenue beat(4)7.92%
Revenue beat(8)3
Avg Revenue beat(8)-8.93%
Revenue beat(12)5
Avg Revenue beat(12)-6.19%
Revenue beat(16)9
Avg Revenue beat(16)3.72%
PT rev (1m)-13.11%
PT rev (3m)-23.23%
EPS NQ rev (1m)2.77%
EPS NQ rev (3m)-27.97%
EPS NY rev (1m)0.87%
EPS NY rev (3m)-41.21%
Revenue NQ rev (1m)-6.96%
Revenue NQ rev (3m)-12.11%
Revenue NY rev (1m)-3.95%
Revenue NY rev (3m)-9.72%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 11.39
P/S 1.43
P/FCF 1.76
P/OCF 1.76
P/B 0.32
P/tB 0.39
EV/EBITDA N/A
EPS(TTM)-0.36
EYN/A
EPS(NY)0.72
Fwd EY8.78%
FCF(TTM)4.64
FCFY56.83%
OCF(TTM)4.64
OCFY56.83%
SpS5.7
BVpS25.23
TBVpS20.66
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.16%
ROE -3.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 109.41%
FCFM 81.37%
ROA(3y)0.15%
ROA(5y)0.45%
ROE(3y)3.3%
ROE(5y)11.83%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.29%
GM growth 5Y-0.56%
F-Score4
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 17.5
Debt/FCF 103.64
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.26
Quick Ratio 0.26
Altman-Z -0.01
F-Score4
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-118.27%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%108.33%
EPS Next Y299.04%
EPS Next 2Y116.95%
EPS Next 3Y77.56%
EPS Next 5YN/A
Revenue 1Y (TTM)-32.92%
Revenue growth 3Y-28.08%
Revenue growth 5Y-20.53%
Sales Q2Q%-12.59%
Revenue Next Year-9.65%
Revenue Next 2Y2.05%
Revenue Next 3Y8.23%
Revenue Next 5YN/A
EBIT growth 1Y-160.82%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-64.67%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-3.92%
FCF growth 3Y13.08%
FCF growth 5Y-14.88%
OCF growth 1Y-3.92%
OCF growth 3Y13.08%
OCF growth 5Y-14.88%

NAVIENT CORP / NAVI Fundamental Analysis FAQ

What is the ChartMill fundamental rating of NAVIENT CORP (NAVI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to NAVI.


What is the valuation status for NAVI stock?

ChartMill assigns a valuation rating of 5 / 10 to NAVIENT CORP (NAVI). This can be considered as Fairly Valued.


Can you provide the profitability details for NAVIENT CORP?

NAVIENT CORP (NAVI) has a profitability rating of 3 / 10.


Is the dividend of NAVIENT CORP sustainable?

The dividend rating of NAVIENT CORP (NAVI) is 8 / 10 and the dividend payout ratio is -79.75%.