Navient Corp

Finance
Investment Bankers/Brokers/Service
www.navient.com

Earnings Score
Moat Score

Market Cap $1.63B
PE 21
Debt $50.00B
Cash $2.79B
EV $48.84B
FCF $NaN

Earnings

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Sales & Net Margins

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Earnings	$79.00M
EBIT	$112.00M
ROE	3%
ROA	0%
Equity	$2.69B
Growth Stability	31%
PE	20.64
PEG	-0.92
PB	0.61
P/S	5.28
Price/Cash	1.71
Debt/Equity	18.56
Net Margins	47%
Op. Margins	36%
Earnings CAGR	-9%
Sales Growth YoY	-18%
Sales Growth QoQ	-14%
Sales CAGR	-2%
Equity CAGR	-5%
Earnings Stability	0.21
Earnings Growth YoY	-103%
Earnings Growth QoQ	-106%

Earnings CAGR 5Y	-22%
Sales CAGR 5Y	-7%
Equity CAGR 5Y	3%
Earnings CAGR 3Y	-15%
Sales CAGR 3Y	-15%
Equity CAGR 3Y	-1%
Market Cap	$1.63B
Revenue	$309.00M
Dividend Yield	4%
Payout Ratio	91%
Assets	$53.44B
Total Debt	$50.00B
Cash	$2.79B
Shares Outstanding	107.36M
EV	48.84B
Earnings Score	4%
Moat Score	46%
Shares Growth 3y	-14%
Equity Growth QoQ	-2%
Equity Growth YoY	-7%

Assets & ROA

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Stockholders Equity & ROE

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Navient Corp is a financial services company that provides education loan management and business processing services to education, healthcare, and government clients at the federal, state, and local levels. The company operates in Delaware, western New York, northern Pennsylvania, Indiana, Tennessee, Texas, and Virginia, among other locations. The company has three primary reportable business segments: Federal Education Loans, Consumer Lending and Business Processing. The company's fourth and other segment relates to financial results of the company's holding company, including activities related to repurchases of debt, corporate liquidity portfolio, and unallocated overhead and regulatory-related costs.

SEC Filings

Direct access to Navient Corp (NAVI) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Navient Corp compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Navient Corp compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR -9%

Stability 21%

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Navient Corp Discounted Cash Flow

Fully customizable DCF calculator online for Navient Corp.

Years

Calculation mode

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
DCF		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Value	$0

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-	-	-	110%	153%	106%	141%	194%	71%	47%
ROA	-	1%	1%	1%	1%	1%	1%	1%	1%	1%	0%
ROE	-	25%	18%	8%	11%	18%	17%	27%	22%	8%	3%

Good Net Margins (46.93%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	-	-
Debt over Equity	33.24	31.86	30.81	31.5	27.89	26.93	34.31	29.52	22.47	20.88	18.56
Growth Stability	-	-	-	31%	60%	100%	96%	100%	100%	39%	31%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Bad Debt/Equity ratio (18.56)

The company is overleveraged and has a bad balance between equity and debt.

Bad Graham’s Stability (31%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	-	-	-	9%	-1%	31%	-35%	-3%	-7%
Earnings YoY growth	-	-13%	-32%	-57%	35%	51%	-31%	74%	-10%	-65%	-22%
Equity YoY growth	-	-5%	-7%	-6%	2%	-6%	-27%	7%	14%	-7%	3%
FCF YoY growth	-	-	-	-	-	-	-	-	-	-	-