Navient Corporation

Symbol: NAVI

NASDAQ

15.43

USD

Market price today

  • 5.8707

    P/E Ratio

  • 0.0906

    PEG Ratio

  • 1.73B

    MRK Cap

  • 0.04%

    DIV Yield

Navient Corporation (NAVI) Stock Price & Analysis

Shares Outstanding

0M

Gross Profit Margin

0.76%

Operating Profit Margin

1.08%

Net Profit Margin

0.09%

Return on Assets

0.01%

Return on Equity

0.10%

Return on Capital Employed

0.06%

Company general description and statistics

Sector: Financial Services
Industry: Financial - Credit Services
CEO:Mr. David L. Yowan
Full-time employees:4500
City:Wilmington
Address:123 Justison Street
IPO:2014-04-17
CIK:0001593538

Navient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing and asset recovery services on its own loan portfolio, as well as asset recovery services on FFELP loans owned by other institutions. It also owns, originates, acquires, and services refinance and in-school private education loans; and offers healthcare services that include revenue cycle outsourcing, accounts receivable management, extended business office support, consulting engagement, and public health programs, as well as business processing services to state governments, agencies, court systems, municipalities, and parking and tolling authorities. In addition, the company provides customizable solutions for its clients that include hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments; and corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware.

General Outlook

When we look at how much money they make before expenses, they keep 0.758% as profit. This shows they're good at controlling costs and are financially stable. Their operating profit, which is money made from regular business activities, is 1.082%. This means they run their business efficiently. Lastly, after paying all their bills, they still have a profit of 0.094%. This tells us they're good at keeping money after all costs.

Return on Investments

The company's asset efficiency, represented by a robust 0.005% return, is a testament to Navient Corporation's adeptness in optimizing resource deployment. Navient Corporation's utilization of its assets to generate profits is strikingly evident through a noteworthy return on equity of 0.105%. Furthermore, the proficiency of Navient Corporation in capital utilization is underscored by a remarkable 0.063% return on capital employed.

Stock Prices

Navient Corporation's stock prices have been subject to undulating patterns. The peak stock value during this interval surged to $15.49, while its low point bottomed out at $14.98. This variance in figures offers investors a lucid insight into the roller-coaster ride that is Navient Corporation's stock market.

Liquidity Ratios

Analyzing NAVI liquidity ratios reveals its financial health of the firm. The current ratio of 66.59% gauges short-term asset coverage for liabilities. The quick ratio (113.19%) assesses immediate liquidity, while the cash ratio (66.59%) indicates cash reserves.

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Current Ratio66.59%
Quick Ratio113.19%
Cash Ratio66.59%

Profitability Ratios

NAVI profitability indicators offer a lens into its earnings landscape. A pretax profit margin of 12.73% underscores its earnings before tax deductions. The effective tax rate stands at 26.49%, revealing its tax efficiency. The net income per EBT, 73.51%, and the EBT per EBIT, 11.76%, provide insights into its earnings hierarchy. Lastly, with an EBIT per revenue ratio of 108.22%, we grasp its operational profitability.

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Pretax Profit Margin12.73%
Effective Tax Rate26.49%
Net Income per EBT73.51%
EBT per EBIT11.76%
EBIT per Revenue108.22%

Operational Efficiency

Operational metrics shed light on its business agility. With an operating cycle of 0.67, it details the span from stock purchase to revenue. The 1 days it takes to settle debts showcases its creditor relations. Meanwhile, a 1 cash conversion cycle and 153.85% receivables turnover rate reflect its cash flow efficiency and credit management, respectively.

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Days of Sales Outstanding113
Operating Cycle237.24
Cash Conversion Cycle237
Receivables Turnover1.54
Fixed Asset Turnover52.03
Asset Turnover0.05

Cash Flow Ratios

Peering into the cash flow metrics reveals liquidity and operational efficiency. The operating cash flow per share, 6.31, and free cash flow per share, 6.31, depict cash generation on a per-share basis. The cash per share value, 26.09, showcases liquidity position. A payout ratio of 0.25 highlights the portion of earnings distributed as dividends. Lastly, the operating cash flow sales ratio, 0.22, offers insight into cash flow relative to sales.

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Operating Cash Flow per Share6.31
Free Cash Flow per Share6.31
Cash per Share26.09
Payout Ratio0.25
Operating Cash Flow Sales Ratio0.22
Free Cash Flow to Operating Cash Flow Ratio1.00
Cash Flow Coverage Ratio0.01
Short Term Coverage Ratio0.16
Dividend Paid and Capex Coverage Ratio9.51
Dividend Payout Ratio0.03

Debt and Leverage Ratios

Diving into debt and leverage metrics unveils the company's financial structure. The debt ratio, at 93.64%, highlights its total liabilities relative to assets. With a debt-equity ratio of 19.98, we discern the balance between debt and equity financing. The long-term debt to capitalization, 94.84%, and total debt to capitalization, 95.23%, ratios shed light on its capital structure. An interest coverage of 0.96 indicates its ability to manage interest expenses.

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Debt Ratio93.64%
Debt Equity Ratio19.98
Long Term Debt to Capitalization94.84%
Total Debt to Capitalization95.23%
Interest Coverage0.96
Cash Flow to Debt Ratio0.01
Company Equity Multiplier21.34

Per Share Data

Speaking about the per share data offers a perceptive view of financial distribution. The revenue per share, 39.55, provides a glimpse into top-line earnings distributed across each share. Net income per share, 1.87, reflects the portion of profit attributed to each share. The book value per share, 22.59, represents the net asset value distributed per share, while the tangible book value per share, 11.43, excludes intangible assets.

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Revenue Per Share39.55
Net Income Per Share1.87
Book Value Per Share22.59
Tangible Book Value Per Share11.43
Shareholders Equity Per Share22.59
Interest Debt Per Share501.14

Growth Ratios

Delving into growth metrics provides a snapshot of financial expansion. The revenue growth rate, 177.78%, indicates top-line expansion, while the gross profit growth, 239.95%, reveals profitability trends. EBIT growth, 31.92%, and operating income growth, 31.92%, offer insights into operational profitability progression. The net income growth, -64.65%, showcases bottom-line expansion, and the EPS growth, -58.81%, measures the growth in earnings per share.

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Revenue Growth177.78%
Gross Profit Growth239.95%
EBIT Growth31.92%
Operating Income Growth31.92%
Net Income Growth-64.65%
EPS Growth-58.81%
EPS Diluted Growth-58.71%
Weighted Average Shares Growth-14.08%
Weighted Average Shares Diluted Growth-14.58%
Dividends per Share Growth-0.23%
Operating Cash Flow Growth121.64%
Free Cash Flow Growth121.64%
10-Year Revenue Growth per Share333.85%
5-Year Revenue Growth per Share434.46%
3-Year Revenue Growth per Share352.19%
10-Year Operating CF Growth per Share21.90%
5-Year Operating CF Growth per Share26.31%
3-Year Operating CF Growth per Share8.35%
10-Year Net Income Growth per Share-42.01%
5-Year Net Income Growth per Share22.95%
3-Year Net Income Growth per Share-12.45%
10-Year Shareholders Equity Growth per Share76.33%
5-Year Shareholders Equity Growth per Share66.82%
3-Year Shareholders Equity Growth per Share79.20%
10-Year Dividend per Share Growth per Share-0.95%
5-Year Dividend per Share Growth per Share0.09%
3-Year Dividend per Share Growth per Share0.32%
Receivables Growth2.58%
Inventory Growth-92.93%
Asset Growth-13.31%
Book Value per Share Growth7.75%
Debt Growth-13.85%
SGA Expenses Growth-9.68%

Other Metrics

Venturing into other key metrics unveils diverse facets of financial performance. The enterprise value, 57,106,640,000, captures the company's total value, considering both debt and equity. Income quality, 2.96, assesses the reliability of reported earnings.

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Enterprise Value57,106,640,000
Income Quality2.96
Sales General and Administrative to Revenue0.08
Intangibles to Total Assets1.13%
Stock-Based Compensation to Revenue0.50%
Graham Number30.82
Return on Tangible Assets0.38%
Graham Net Net-441.39
Working Capital-1,433,000,000
Tangible Asset Value2,065,000,000
Net Current Asset Value-55,822,000,000
Invested Capital21
Average Receivables2,275,000,000
Average Inventory3,705,000,000
Days Sales Outstanding174
Days of Inventory On Hand223
ROIC4.66%
ROE0.08%

Valuation Ratios

Exploring the valuation ratios offers insights into perceived market value. The price to book value ratio, 0.63, and the price to book ratio, 0.63, reflect the market's valuation relative to the company's book value. The price to sales ratio, 0.54, provides a perspective on valuation in relation to sales. Ratios like price to free cash flows, 2.42, and price to operating cash flows, 2.45, gauge market valuation against cash flow metrics.

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Price Book Value Ratio0.63
Price to Book Ratio0.63
Price to Sales Ratio0.54
Price Cash Flow Ratio2.45
Price Earnings to Growth Ratio0.09
Enterprise Value Multiple-14.72
Price Fair Value0.63
Price to Operating Cash Flow Ratio2.45
Price to Free Cash Flows Ratio2.42
Price to Tangible Book Ratio0.82
Enterprise Value to Sales11.84
Enterprise Value Over EBITDA14.78
EV to Operating Cash Flow84.48
Earnings Yield10.04%
Free Cash Flow Yield29.76%
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Frequently Asked Question

How many company shares are outstanding in 2024?

There are stock number shares outstanding of Navient Corporation (NAVI) on the NASDAQ in 2024.

What is P/E ratio of enterprise in 2024?

The current P/E ratio of enterprise is 5.871 in 2024.

What is the ticker symbol of Navient Corporation stock?

The ticker symbol of Navient Corporation stock is NAVI.

What is company IPO date?

IPO date of Navient Corporation is 2014-04-17.

What is company current share price?

Current share price is 15.430 USD.

What is stock market cap today?

The market cap of stock today is 1725459750.000.

What is PEG ratio in 2024?

The current 0.091 is 0.091 in 2024.

What is the number of employees in 2024?

In 2024 the company has 4500.