Navient Corp Financials

NAVI Stock  USD 14.13  0.11  0.78%   
Based on the analysis of Navient Corp's profitability, liquidity, and operating efficiency, Navient Corp may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. As of now, Navient Corp's Long Term Debt is decreasing as compared to previous years. The Navient Corp's current Total Liabilities is estimated to increase to about 122.8 B, while Other Liabilities is projected to decrease to under 567.7 M. Key indicators impacting Navient Corp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.310.21
Way Up
Pretty Stable
Return On Assets0.00680.0043
Way Up
Very volatile
Return On Equity0.09020.095
Notably Down
Slightly volatile
Debt Equity Ratio31.6923.87
Significantly Up
Pretty Stable
Operating Income295.8 M311.4 M
Notably Down
Slightly volatile
Current Ratio0.220.23
Sufficiently Down
Pretty Stable
The essential information of the day-to-day investment outlook for Navient Corp includes many different criteria found on its balance sheet. An individual investor should monitor Navient Corp's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Navient Corp.

Net Income

194.94 Million

  

Navient Corp Stock Summary

Navient Corp competes with FirstCash, Nelnet, Orix Corp, Federal Agricultural, and SLM Corp. 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. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware. Navient Cp operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 4330 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS63938C1080
CUSIP63938C108
LocationDelaware; U.S.A
Business Address13865 Sunrise Valley
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.navient.com
Phone703 810 3000
CurrencyUSD - US Dollar

Navient Corp Key Financial Ratios

Navient Corp Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets87.4B80.6B70.8B61.4B70.6B126.9B
Other Liab710M1.0B1.0B664M597.6M567.7M
Retained Earnings3.3B3.9B4.5B4.6B5.3B5.6B
Cash1.2B905M1.5B839M755.1M717.3M
Other Assets82.6B76.2B65.6B(146M)(167.9M)(159.5M)
Long Term Debt77.3B74.5B61.0B53.3B61.3B101.3B
Total Liab85.0B78.0B67.8B58.6B67.4B122.8B
Treasury Stock(3.4B)(3.9B)(4.5B)(4.9B)(4.4B)(4.2B)
Intangible Assets70M54M35M25M22.5M21.4M
Inventory5.6B5.6B6.9B489M440.1M418.1M
Other Current Liab(6.6B)(2.5B)(5.9B)81M93.2M97.8M
Net Debt82.8B76.1B65.4B56.5B50.8B79.6B
Net Receivables2.5B2.4B2.2B2.3B2.1B2.2B
Other Current Assets(5.6B)(5.6B)(6.9B)(2.8B)(2.5B)(2.4B)
Total Current Assets3.7B3.3B3.8B839M755.1M717.3M
Short Term Debt6.6B2.5B5.9B4.1B3.7B4.7B
Net Tangible Assets2.6B1.7B1.9B2.3B2.0B2.1B
Long Term Debt Total81.7B77.3B74.5B61.0B54.9B77.1B
Capital Surpluse3.2B3.2B3.3B3.3B3.8B3.4B

Navient Corp Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense2.0B1.3B2.1B3.6B4.1B4.3B
Gross Profit724M1.0B1.7B4.4B4.0B2.7B
Operating Income532M936M2.9B346M311.4M295.8M
Cost Of Revenue964M1.2B444M(3.1B)(2.8B)(2.7B)
Income Before Tax532M936M827M313M281.7M267.6M
Net Income412M717M645M228M205.2M194.9M
Income Tax Expense120M219M182M85M76.5M72.7M
Ebit(334M)936M2.9B3.9B3.5B2.2B
Ebitda553M966M2.9B4.0B3.6B2.5B
Tax Provision120M219M182M102M91.8M87.2M
Net Interest Income1.3B1.3B1.1B925M832.5M1.0B
Interest Income3.3B2.6B3.2B4.4B3.9B3.2B

Navient Corp Key Cash Accounts

202020212022202320242025 (projected)
Dividends Paid123M107M91M78M70.2M66.7M
Net Income412M717M645M228M205.2M194.9M
End Period Cash Flow3.5B3.6B4.8B2.8B3.2B3.5B
Change In Cash(244M)41M1.2B(2.0B)(1.8B)(1.7B)
Free Cash Flow987M702M305M676M608.4M578.0M
Other Non Cash Items523M(469M)(492M)278M250.2M262.7M
Investments(4.6B)(4.5B)(2.1B)9.1B10.5B11.0B
Net Borrowings(9.2B)(7.0B)(6.8B)(9.3B)(8.3B)(8.7B)
Change To Netincome422M575M(15M)(340M)(306M)(290.7M)

Navient Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Navient Corp's current stock value. Our valuation model uses many indicators to compare Navient Corp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Navient Corp competition to find correlations between indicators driving Navient Corp's intrinsic value. More Info.
Navient Corp is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.05  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Navient Corp is roughly  21.09 . As of now, Navient Corp's Return On Equity is decreasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Navient Corp's earnings, one of the primary drivers of an investment's value.

Navient Corp Systematic Risk

Navient Corp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Navient Corp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Navient Corp correlated with the market. If Beta is less than 0 Navient Corp generally moves in the opposite direction as compared to the market. If Navient Corp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Navient Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Navient Corp is generally in the same direction as the market. If Beta > 1 Navient Corp moves generally in the same direction as, but more than the movement of the benchmark.

Navient Corp Thematic Clasifications

Navient Corp is part of FinTech investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. A collection of large financial service, investment, and banking companies. High long term potential financial entities that are ranging from payment processing, investment management to commercial and investment banking
FinTechView
This theme covers A collection of large financial service, investment, and banking companies. High long term potential financial entities that are ranging from payment processing, investment management to commercial and investment banking. Get More Thematic Ideas
Today, most investors in Navient Corp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Navient Corp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Navient Corp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.16)

As of now, Navient Corp's Price Earnings To Growth Ratio is increasing as compared to previous years.

Navient Corp February 26, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Navient Corp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Navient Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Navient Corp based on widely used predictive technical indicators. In general, we focus on analyzing Navient Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Navient Corp's daily price indicators and compare them against related drivers.

Complementary Tools for Navient Stock analysis

When running Navient Corp's price analysis, check to measure Navient Corp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Navient Corp is operating at the current time. Most of Navient Corp's value examination focuses on studying past and present price action to predict the probability of Navient Corp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Navient Corp's price. Additionally, you may evaluate how the addition of Navient Corp to your portfolios can decrease your overall portfolio volatility.
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