Financials Navient Corporation

Equities

NAVI

US63938C1080

Consumer Lending

Market Closed - Nasdaq 04:00:00 2024-02-21 pm EST 5-day change 1st Jan Change
16.13 USD -0.74% Intraday chart for Navient Corporation -0.31% -13.37%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 2,273 3,024 1,829 3,420 2,231 1,852 1,852 -
Enterprise Value (EV) 1 95,952 91,989 81,952 76,553 64,153 2,189 51,809 50,045
P/E ratio 5.91 x 5.34 x 4.63 x 5.08 x 3.66 x 10.1 x 7.44 x 7.97 x
Yield 7.26% 4.68% 6.52% 3.02% 3.89% 3.96% 3.97% 3.97%
Capitalization / Revenue 1.76 x 2.49 x 1.45 x 2.98 x 2.17 x 2.31 x 2.72 x 3 x
EV / Revenue 74.4 x 75.6 x 65 x 66.7 x 62.5 x 2.31 x 76.2 x 81 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.62 x 0.88 x 0.75 x 1.26 x 0.72 x 0.65 x 0.62 x 0.58 x
Nbr of stocks (in thousands) 257,966 221,037 186,280 161,172 135,614 114,000 114,000 -
Reference price 2 8.810 13.68 9.820 21.22 16.45 16.13 16.13 16.13
Announcement Date 1/22/19 1/21/20 1/26/21 1/25/22 1/24/23 1/31/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023 2024 2025
Net sales 1 1,289 1,216 1,261 1,148 1,026 946 680.2 618
EBITDA - - - - - - - -
EBIT 1 898 1,021 974 931 659 519 357.2 362.5
Operating Margin 69.67% 83.96% 77.24% 81.1% 64.23% 54.86% 52.52% 58.66%
Earnings before Tax (EBT) 1 528 763 - 936 827 313 314 276.3
Net income 1 395 597 412 717 645 228 241 206
Net margin 30.64% 49.1% 32.67% 62.46% 62.87% 24.1% 35.43% 33.33%
EPS 2 1.490 2.560 2.120 4.180 4.490 1.850 2.168 2.023
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.6400 0.6400 0.6400 0.6400 0.6400 0.6383 0.6400 0.6400
Announcement Date 1/22/19 1/21/20 1/26/21 1/25/22 1/24/23 1/31/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q2 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 282 299 272 276 271 247 232 253 221 280 193 179.5 172.5 166.8 161
EBITDA - - - - - - - - - - - - - - -
EBIT 1 - - 31 348 215 - 132 160 142 152 87 96.8 90.9 80.2 89.3
Operating Margin - - 11.4% 126.09% 79.34% - 56.9% 63.24% 64.25% 54.29% 45.08% 53.93% 52.7% 48.07% 55.47%
Earnings before Tax (EBT) 1 240 220 -8 332 244 137 113 144 96 110 -37 86.75 87.25 67 73
Net income 1 185 173 -11 255 180 105 105 111 66 79 -28 66.25 66.75 51.75 56.25
Net margin 65.6% 57.86% -4.04% 92.39% 66.42% 42.51% 45.26% 43.87% 29.86% 28.21% -14.51% 36.91% 38.7% 31.02% 34.94%
EPS 2 1.050 1.040 -0.0700 1.670 1.220 0.7500 0.7800 0.8600 0.5200 0.6500 -0.2500 0.5951 0.5794 0.4712 0.5228
Dividend per Share 2 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600
Announcement Date 7/27/21 10/26/21 1/25/22 4/26/22 7/26/22 10/25/22 1/24/23 4/26/23 7/26/23 10/25/23 1/31/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023 2024 2025
Net Debt 1 93,679 88,965 80,123 73,133 61,922 55,149 49,956 48,192
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 15.8% 17.4% 17% 27% 16.4% 12.5% 8.89% 8.03%
ROA (Net income/ Total Assets) 0.5% 0.64% 0.71% 0.68% 0.62% 0.59% 0.43% 0.38%
Assets 1 78,449 93,281 58,028 105,441 104,032 57,927 56,341 54,163
Book Value Per Share 2 14.20 15.50 13.10 16.90 22.90 24.90 26.00 28.00
Cash Flow per Share 3.240 4.200 4.890 1.570 2.120 - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 1/22/19 1/21/20 1/26/21 1/25/22 1/24/23 1/31/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings
Sell
Consensus
Buy
Mean consensus
UNDERPERFORM
Number of Analysts
11
Last Close Price
16.13 USD
Average target price
16.4 USD
Spread / Average Target
+1.67%
Consensus
+229% on MICROSOFT CORPORATION since our purchase on January 11, 2019
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