Navient Corporation (NAVI)
Navient Statistics
Share Statistics
Navient has 102.28M shares outstanding. The number of shares has increased by -8.54% in one year.
| Shares Outstanding | 102.28M |
| Shares Change (YoY) | -8.54% |
| Shares Change (QoQ) | -4.74% |
| Owned by Institutions (%) | 95.39% |
| Shares Floating | 99.45M |
| Failed to Deliver (FTD) Shares | 33 |
| FTD / Avg. Volume | < 0.01% |
Short Selling Information
The latest short interest is 8.03M, so 7.78% of the outstanding shares have been sold short.
| Short Interest | 8.03M |
| Short % of Shares Out | 7.78% |
| Short % of Float | 13.9% |
| Short Ratio (days to cover) | 10.06 |
Valuation Ratios
The PE ratio is 11.06 and the forward PE ratio is 7.95. Navient's PEG ratio is -0.31.
| PE Ratio | 11.06 |
| Forward PE | 7.95 |
| PS Ratio | 0.38 |
| Forward PS | 2 |
| PB Ratio | 0.55 |
| P/FCF Ratio | 3.16 |
| PEG Ratio | -0.31 |
Enterprise Valuation
Navient has an Enterprise Value (EV) of 4.48B.
| EV / Sales | 1.18 |
| EV / EBITDA | 1.59 |
| EV / EBIT | 9.76 |
| EV / FCF | 9.76 |
Financial Position
The company has a current ratio of 0.41, with a Debt / Equity ratio of 1.94.
| Current Ratio | 0.41 |
| Quick Ratio | 0.41 |
| Debt / Equity | 1.94 |
| Debt / EBITDA | 1.83 |
| Debt / FCF | 11.19 |
| Interest Coverage | 0.86 |
Financial Efficiency
Return on Equity is 4.96% and Return on Invested Capital is 83.38%.
| Return on Equity | 4.96% |
| Return on Assets | 0.25% |
| Return on Invested Capital | 83.38% |
| Revenue Per Employee | $1.81M |
| Profits Per Employee | $62.38K |
| Employee Count | 2,100 |
| Asset Turnover | 0.07 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 43M |
| Effective Tax Rate | 24.71% |
Stock Price Statistics
The stock price has increased by -30.85% in the last 52 weeks. The beta is 1.26, so Navient's price volatility has been higher than the market average.
| Beta | 1.26 |
| 52-Week Price Change | -30.85% |
| 50-Day Moving Average | 13.05 |
| 200-Day Moving Average | 14.48 |
| Relative Strength Index (RSI) | 38.28 |
| Average Volume (20 Days) | 823.3K |
Income Statement
In the last 12 months, Navient had revenue of 3.81B and earned 131M in profits. Earnings per share was 1.2.
| Revenue | 3.81B |
| Gross Profit | 3.49B |
| Operating Income | 2.81B |
| Net Income | 131M |
| EBITDA | 2.81B |
| EBIT | 3.45B |
| Earnings Per Share (EPS) | 1.2 |
Balance Sheet
The company has 2.1B in cash and 5.13B in debt, giving a net cash position of -3.03B.
| Cash & Cash Equivalents | 2.1B |
| Total Debt | 5.13B |
| Net Cash | -3.03B |
| Retained Earnings | 4.7B |
| Total Assets | 51.79B |
| Working Capital | -3.03B |
Cash Flow
In the last 12 months, operating cash flow was 459M and capital expenditures 0, giving a free cash flow of 459M.
| Operating Cash Flow | 459M |
| Capital Expenditures | 0 |
| Free Cash Flow | 459M |
| FCF Per Share | 4.21 |
Margins
Gross margin is 91.7%, with operating and profit margins of 73.85% and 3.44%.
| Gross Margin | 91.7% |
| Operating Margin | 73.85% |
| Pretax Margin | 4.57% |
| Profit Margin | 3.44% |
| EBITDA Margin | 73.85% |
| EBIT Margin | 73.85% |
| FCF Margin | 12.05% |
Dividends & Yields
NAVI pays an annual dividend of $0.64, which amounts to a dividend yield of 4.51%.
| Dividend Per Share | $0.64 |
| Dividend Yield | 4.51% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 54.24% |
| Earnings Yield | 9.04% |
| FCF Yield | 31.69% |
Analyst Forecast
The average price target for NAVI is $13.5, which is 20.4% higher than the current price. The consensus rating is "Hold".
| Price Target | $13.5 |
| Price Target Difference | 20.4% |
| Analyst Consensus | Hold |
| Analyst Count | 6 |
Scores
| Altman Z-Score | 0.35 |
| Piotroski F-Score | 8 |