12.51 USD
0 (0%)
12.51 USD
0 (0%)
NAVI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. NAVI may be in some trouble as it scores bad on both profitability and health. NAVI is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- NAVI had negative earnings in the past year.
- In the past year NAVI had a positive cash flow from operations.
- Each year in the past 5 years NAVI has been profitable.
- NAVI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With a Return On Assets value of -0.10%, NAVI is not doing good in the industry: 79.63% of the companies in the same industry are doing better.
- NAVI has a Return On Equity of -2.05%. This is amonst the worse of the industry: NAVI underperforms 81.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.1% | ||
| ROE | -2.05% | ||
| ROIC | N/A |
ROA(3y)0.51%
ROA(5y)0.58%
ROE(3y)11.63%
ROE(5y)15.89%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- In the last couple of years the Profit Margin of NAVI has declined.
- NAVI's Operating Margin has declined in the last couple of years.
- NAVI has a Gross Margin of 107.65%. This is amongst the best in the industry. NAVI outperforms 100.00% of its industry peers.
- NAVI's Gross Margin has been stable in the last couple of years.
- The Profit Margin and Operating Margin are not available for NAVI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 107.65% |
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
- NAVI has less shares outstanding than it did 1 year ago.
- NAVI has less shares outstanding than it did 5 years ago.
- NAVI has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.09, we must say that NAVI is in the distress zone and has some risk of bankruptcy.
- With a Altman-Z score value of 0.09, NAVI is not doing good in the industry: 64.81% of the companies in the same industry are doing better.
- The Debt to FCF ratio of NAVI is 168.49, which is on the high side as it means it would take NAVI, 168.49 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of NAVI (168.49) is comparable to the rest of the industry.
- NAVI has a Debt/Equity ratio of 19.00. This is a high value indicating a heavy dependency on external financing.
- NAVI has a Debt to Equity ratio of 19.00. This is amonst the worse of the industry: NAVI underperforms 87.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 19 | ||
| Debt/FCF | 168.49 | ||
| Altman-Z | 0.09 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- NAVI has a Current Ratio of 0.46. 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 0.46, NAVI is doing worse than 62.96% of the companies in the same industry.
- NAVI has a Quick Ratio of 0.46. This is a bad value and indicates that NAVI is not financially healthy enough and could expect problems in meeting its short term obligations.
- With a Quick ratio value of 0.46, NAVI is not doing good in the industry: 62.96% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.46 | ||
| Quick Ratio | 0.46 |
3. Growth
3.1 Past
- The earnings per share for NAVI have decreased strongly by -125.62% 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.
- Looking at the last year, NAVI shows a very negative growth in Revenue. The Revenue has decreased by -31.00% in the last year.
- The Revenue for NAVI have been decreasing by -13.57% on average. This is quite bad
EPS 1Y (TTM)-125.62%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-157.93%
Revenue 1Y (TTM)-31%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%34.17%
3.2 Future
- Based on estimates for the next years, NAVI will show a decrease in Earnings Per Share. The EPS will decrease by -9.53% on average per year.
- The Revenue is expected to grow by 7.90% on average over the next years.
EPS Next Y-103.5%
EPS Next 2Y-21.34%
EPS Next 3Y-9.53%
EPS Next 5YN/A
Revenue Next Year9.14%
Revenue Next 2Y4.6%
Revenue Next 3Y7.9%
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 negative for NAVI. In the last year negative earnings were reported.
- A Price/Forward Earnings ratio of 10.26 indicates a reasonable valuation of NAVI.
- NAVI's Price/Forward Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, NAVI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.26 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, NAVI is valued a bit cheaper than 68.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.44 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A cheap valuation may be justified as NAVI's earnings are expected to decrease with -9.53% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-21.34%
EPS Next 3Y-9.53%
5. Dividend
5.1 Amount
- NAVI has a Yearly Dividend Yield of 5.12%, which is a nice return.
- NAVI's Dividend Yield is a higher than the industry average which is at 2.58.
- NAVI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.12% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.28%
Div Incr Years0
Div Non Decr Years10
5.3 Sustainability
- NAVI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-130%
EPS Next 2Y-21.34%
EPS Next 3Y-9.53%
12.51
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)01-28 2026-01-28/amc
Inst Owners105.23%
Inst Owner Change0.03%
Ins Owners1.96%
Ins Owner Change-0.31%
Market Cap1.22B
Revenue(TTM)601.00M
Net Income(TTM)-50.00M
Analysts50
Price Target13.32 (6.47%)
Short Float %8.42%
Short Ratio9.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.12% |
Yearly Dividend0.65
Dividend Growth(5Y)0.28%
DP-130%
Div Incr Years0
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-294.05%
Min EPS beat(2)-564.69%
Max EPS beat(2)-23.4%
EPS beat(4)1
Avg EPS beat(4)-192.62%
Min EPS beat(4)-564.69%
Max EPS beat(4)23.1%
EPS beat(8)2
Avg EPS beat(8)-53.09%
EPS beat(12)3
Avg EPS beat(12)-38.23%
EPS beat(16)5
Avg EPS beat(16)-37.5%
Revenue beat(2)2
Avg Revenue beat(2)4.41%
Min Revenue beat(2)0.9%
Max Revenue beat(2)7.92%
Revenue beat(4)3
Avg Revenue beat(4)-0.39%
Min Revenue beat(4)-11.17%
Max Revenue beat(4)7.92%
Revenue beat(8)3
Avg Revenue beat(8)-6.36%
Revenue beat(12)6
Avg Revenue beat(12)-2.54%
Revenue beat(16)10
Avg Revenue beat(16)8.63%
PT rev (1m)1.29%
PT rev (3m)-6.75%
EPS NQ rev (1m)0.71%
EPS NQ rev (3m)-5.45%
EPS NY rev (1m)0%
EPS NY rev (3m)-106.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.81%
Revenue NY rev (1m)-0.93%
Revenue NY rev (3m)3.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.26 | ||
| P/S | 2.03 | ||
| P/FCF | 4.44 | ||
| P/OCF | 4.44 | ||
| P/B | 0.5 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.62
EYN/A
EPS(NY)1.22
Fwd EY9.74%
FCF(TTM)2.82
FCFY22.54%
OCF(TTM)2.82
OCFY22.54%
SpS6.16
BVpS25.01
TBVpS20.55
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.1% | ||
| ROE | -2.05% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 107.65% | ||
| FCFM | 45.76% |
ROA(3y)0.51%
ROA(5y)0.58%
ROE(3y)11.63%
ROE(5y)15.89%
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)0.64%
ROCE(5y)0.86%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
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-Score4
Asset Turnover0.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 19 | ||
| Debt/FCF | 168.49 | ||
| 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 | 0.46 | ||
| Quick Ratio | 0.46 | ||
| Altman-Z | 0.09 |
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)231.39%
Profit Quality(5y)206.33%
High Growth Momentum
Growth
EPS 1Y (TTM)-125.62%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-157.93%
EPS Next Y-103.5%
EPS Next 2Y-21.34%
EPS Next 3Y-9.53%
EPS Next 5YN/A
Revenue 1Y (TTM)-31%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%34.17%
Revenue Next Year9.14%
Revenue Next 2Y4.6%
Revenue Next 3Y7.9%
Revenue Next 5YN/A
EBIT growth 1Y-158.09%
EBIT growth 3Y-53.65%
EBIT growth 5Y-33.95%
EBIT Next Year-47.56%
EBIT Next 3Y-13.94%
EBIT Next 5YN/A
FCF growth 1Y-52.01%
FCF growth 3Y-13.21%
FCF growth 5Y-14.74%
OCF growth 1Y-52.01%
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.
What is the valuation status of NAVIENT CORP (NAVI) stock?
ChartMill assigns a valuation rating of 3 / 10 to NAVIENT CORP (NAVI). This can be considered as Overvalued.
What is the profitability of NAVI stock?
NAVIENT CORP (NAVI) has a profitability rating of 3 / 10.
Can you provide the expected EPS growth for NAVI stock?
The Earnings per Share (EPS) of NAVIENT CORP (NAVI) is expected to decline by -103.5% in the next year.