Navient Corp Financials

NAVI Stock  USD 15.32  0.07  0.46%   
Based on the analysis of Navient Corp's profitability, liquidity, and operating efficiency, Navient Corp is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in December. As of now, Navient Corp's Total Current Liabilities is decreasing as compared to previous years. The Navient Corp's current Property Plant And Equipment Net is estimated to increase to about 108 M, while Total Assets are projected to decrease to under 58.3 B. Key indicators impacting Navient Corp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.0490.0516
Notably Down
Slightly volatile
Return On Assets0.00680.0037
Way Up
Very volatile
Return On Equity0.07850.0826
Notably Down
Slightly volatile
Debt Equity Ratio31.6720.8797
Way Up
Slightly volatile
Operating Income328.7 M346 M
Notably Down
Slightly volatile
Current Ratio0.190.1985
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

216.6 Million

  
Understanding current and past Navient Corp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Navient Corp's financial statements are interrelated, with each one affecting the others. For example, an increase in Navient Corp's assets may result in an increase in income on the income statement.

Navient Corp Stock Summary

Navient Corp competes with 360 Finance, Atlanticus Holdings, X Financial, Yirendai, and Sentage Holdings. 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

201920202021202220232024 (projected)
Total Assets94.9B87.4B80.6B70.8B61.4B58.3B
Other Liab710M1.0B1.0B664M597.6M567.7M
Retained Earnings3.7B3.3B3.9B4.5B4.6B2.4B
Cash1.2B1.2B905M1.5B2.8B2.4B
Other Assets90.2B82.6B76.2B65.6B59.8B54.1B
Long Term Debt81.7B77.3B74.5B61.0B53.3B101.3B
Total Liab91.6B85.0B78.0B67.8B58.6B55.7B
Treasury Stock(3.4B)(3.9B)(4.5B)(4.9B)(4.4B)(4.2B)
Intangible Assets92M70M54M35M25M23.8M
Other Current Liab(8.5B)(6.6B)(2.5B)(5.9B)(4.2B)(4.4B)
Net Debt89.0B82.8B76.1B65.4B54.8B79.5B
Net Receivables2.3B2.5B2.4B2.2B2.3B2.2B
Other Current Assets(5.9B)(5.6B)(5.6B)(6.9B)(2.8B)(2.7B)
Total Current Assets3.6B3.7B3.3B3.8B839M797.1M
Short Term Debt8.5B6.6B2.5B5.9B4.2B4.8B
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

201920202021202220232024 (projected)
Interest Expense3.5B2.0B1.3B2.1B3.6B3.7B
Total Revenue1.9B2.0B1.7B1.7B4.4B3.4B
Gross Profit1.0B724M1.0B1.7B3.6B2.6B
Operating Income763M532M936M2.9B346M328.7M
Income Before Tax763M532M936M827M313M297.4M
Net Income597M412M717M645M228M216.6M
Income Tax Expense166M120M219M182M85M80.8M
Minority Interest31M28M13M14M16.1M14.5M
Ebit787.8M(334M)936M2.9B3.9B2.2B
Ebitda788M553M966M2.9B4.0B2.5B
Tax Provision166M120M219M182M102M96.9M
Net Interest Income1.2B1.3B1.3B1.1B925M1.0B
Interest Income4.7B3.3B2.6B3.2B4.4B3.2B

Navient Corp Key Cash Accounts

201920202021202220232024 (projected)
Dividends Paid147M123M107M91M78M151.4M
Net Income597M412M717M645M228M216.6M
End Period Cash Flow3.8B3.5B3.6B4.8B2.8B3.5B
Change In Cash(1.5B)(244M)41M1.2B(2.0B)(1.9B)
Free Cash Flow1.0B987M702M305M676M642.2M
Depreciation47M30M21M19M10M9.5M
Other Non Cash Items357M523M(469M)(492M)278M291.9M
Investments(5.0B)(4.6B)(4.5B)(2.1B)9.1B9.6B
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 regarded fifth in return on equity category among its peers. It also is regarded fifth 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  20.21 . 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.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. 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

(0.18)

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

Navient Corp November 28, 2024 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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