Navient Corporation (NASDAQ:NAVI)

Navient Corporation NAVI

Financial Services - Financial - Credit Services - NASDAQ - US

Watchlist

$ 15.14

-0.329 %

$ 1.63 B

Market Cap

19.92

P/E

1. INTRINSIC VALUE

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. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing and asset recovery services on its own loan portfolio, as well as asset recovery services on FFELP loans owned by other institutions. It also owns, originates, acquires, and services refinance and in-school private education loans; and offers healthcare services that include revenue cycle outsourcing, accounts receivable management, extended business office support, consulting engagement, and public health programs, as well as business processing services to state governments, agencies, court systems, municipalities, and parking and tolling authorities.[ Read More ]

The intrinsic value of one NAVI stock under the base case scenario is HIDDEN Compared to the current market price of 15.1 USD, Navient Corporation is HIDDEN

NAVI Intrinsic Value
HIDDEN

SHOW

2. FUNDAMENTAL ANALYSIS

Price Chart NAVI

FINANCIALS

Annual
Quarterly

4.82 B REVENUE

Growth Rates

1Year 177.78%

3Years 41.92%

5Years 20.20%

7Years 9.70%

10Years 1.86%

3.86 B OPERATING INCOME

Growth Rates

1Year 31.92%

3Years 93.66%

5Years -1.64%

7Years 28.14%

10Years -1.30%

228 M NET INCOME

Growth Rates

1Year -64.65%

3Years -17.90%

5Years -10.41%

7Years -14.47%

10Years -16.05%

676 M OPERATING CASH FLOW

Growth Rates

1Year 121.64%

3Years -11.85%

5Years -9.92%

7Years -9.48%

10Years -10.28%

7.36 B INVESTING CASH FLOW

Growth Rates

1Year -30.50%

3Years 4.49%

5Years -6.62%

7Years -6.08%

10Years -2.22%

-10 B FINANCING CASH FLOW

Growth Rates

1Year -4.00%

3Years -9.37%

5Years 1.59%

7Years 3.73%

10Years -0.13%

177 M REVENUE

Growth Rates

1Year 177.78%

3Years 41.92%

5Years 20.20%

7Years 9.70%

10Years 1.86%

580 M OPERATING INCOME

Growth Rates

1Year 31.92%

3Years 93.66%

5Years -1.64%

7Years 28.14%

10Years -1.30%

-2 M NET INCOME

Growth Rates

1Year -64.65%

3Years -17.90%

5Years -10.41%

7Years -14.47%

10Years -16.05%

-10 M OPERATING CASH FLOW

Growth Rates

1Year 121.64%

3Years -11.85%

5Years -9.92%

7Years -9.48%

10Years -10.28%

1.96 B INVESTING CASH FLOW

Growth Rates

1Year -30.50%

3Years 4.49%

5Years -6.62%

7Years -6.08%

10Years -2.22%

-3.16 B FINANCING CASH FLOW

Growth Rates

1Year -4.00%

3Years -9.37%

5Years 1.59%

7Years 3.73%

10Years -0.13%

Balance Sheet Decomposition Navient Corporation

61.4 B ASSETS
58.6 B LIABILITIES

Current Assets	2.79 B
Cash & Short-Term Investments	2.79 B
Receivables	0
Other Current Assets	0
Non-Current Assets	695 M
Long-Term Investments	146 M
PP&E	62 M
Other Non-Current Assets	487 M

Current Liabilities	4.23 B
Accounts Payable	0
Short-Term Debt	4.23 B
Other Current Liabilities	0
Non-Current Liabilities	54.4 B
Long-Term Debt	53.4 B
Other Non-Current Liabilities	987 M

EFFICIENCY

Earnings Waterfall Navient Corporation

Revenue	4.82 B
Cost Of Revenue	800 M
Gross Profit	4.02 B
Operating Expenses	38 M
Operating Income	3.86 B
Other Expenses	3.64 B
Net Income	228 M

RATIOS

83.42% GROSS MARGIN

Averages

1Year 83.42%

3Years 65.66%

5Years 58.12%

7Years 56.53%

10Years 60.08%

80.08% OPERATING MARGIN

Averages

1Year 80.08%

3Years 97.01%

5Years 72.16%

7Years 84.60%

10Years 68.34%

4.73% NET MARGIN

Averages

1Year 4.73%

3Years 24.76%

5Years 25.72%

7Years 23.19%

10Years 25.36%

8.27% ROE

Averages

1Year 8.27%

3Years 19.18%

5Years 18.48%

7Years 16.01%

10Years 18.29%

0.37% ROA

Averages

1Year 0.37%

3Years 0.72%

5Years 0.65%

7Years 0.56%

10Years 0.60%

4.66% ROIC

Averages

1Year 4.66%

3Years 3.03%

5Years 2.04%

7Years 1.91%

10Years 1.47%

FREE CASH FLOW ANALYSIS

Free Cash Flow Analysis Navient Corporation

Net Income	228 M
Depreciation & Amortization	10 M
Capital Expenditures	0
Stock-Based Compensation	24 M
Change in Working Capital	136 M
Others	-71 M
Free Cash Flow	676 M

3. WALL STREET ANALYSTS ESTIMATES

Wall Street Analysts Price Targets Navient Corporation

Wall Street analysts predict an average 1-year price target for NAVI of $17 , with forecasts ranging from a low of $17 to a high of $17 .

NAVI Lowest Price Target Wall Street Target

17 USD 12.29%

NAVI Average Price Target Wall Street Target

17 USD 12.29%

NAVI Highest Price Target Wall Street Target

17 USD 12.29%

4. DIVIDEND ANALYSIS

1.07% DIVIDEND YIELD

0.16 USD DIVIDEND PER SHARE

5. COMPETITION

FirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America.

329 USD

FCFS

Undervalued 210.72%

Nelnet, Inc. engages in loan servicing, communications, education technology, services, and payment processing businesses worldwide. The Loan Servicing and Systems segment provides loan conversion, application processing, borrower updates, customer service, payment processing, due diligence procedures, funds management reconciliation, and claim processing services.

-76.6 USD

NNI

Overvalued 170.06%

ORIX Corporation provides diversified financial services in Japan, the Americas, Asia, Europe, Australasia, the Middle East, and internationally. The company's Corporate Financial Services and Maintenance Leasing segment is involved in the finance and fee; leasing and rental of automobiles, electronic measuring instruments, and ICT-related equipment businesses; and provision of life insurance and environment and energy-related products and services.

71.9 USD

Overvalued 33.33%

Federal Agricultural Mortgage Corporation provides a secondary market for various loans made to borrowers in the United States. It operates through four segments: Farm & Ranch, USDA (United States Department of Agriculture) Guarantees, Rural Utilities, and Institutional Credit.

210 USD

AGM

Undervalued 1.68%

SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States.

EZCORP, Inc. provides pawn loans in the United States and Latin America. It offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments.

10.8 USD

EZPW

Overvalued 9.50%

SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States.

-6.99 USD

SLM

Overvalued 128.57%

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan.

43.9 USD

ENVA

Overvalued 56.29%

Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance.

37.7 USD

ATLCP

Undervalued 59.55%

Medallion Financial Corp., together with its subsidiaries, operates as a finance company in the United States. The company operates through four segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and Medallion Lending.

49.9 USD

MFIN

Undervalued 423.86%

Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, and non-bank auto finance companies and captive finance companies of original equipment manufacturers in the United States.

12.6 USD

LPRO

Undervalued 100.52%

6. Ownership

Insider Ownership Navient Corporation

Summary
Transactions

Sold

0-3 MONTHS

150 K USD 1

3-6 MONTHS

0 USD 0

6-9 MONTHS

160 K USD 1

9-12 MONTHS

3.03 M USD 2

Bought

0 USD 0

0-3 MONTHS

0 USD 0

3-6 MONTHS

0 USD 0

6-9 MONTHS

0 USD 0

9-12 MONTHS

Date	Value	Insider	Amount	Avg Price
1 week ago Nov 06, 2024	Sell 150 K USD	HAUBER STEPHEN M EVP & Chief Admin Officer	- 10000	15 USD
6 months ago May 03, 2024	Sell 160 K USD	HELEEN MARK L EVP, CLO & Secretary	- 10000	16 USD
9 months ago Jan 31, 2024	Sell 172 K USD	HELEEN MARK L EVP, CLO & Secretary	- 10000	17.1967 USD
11 months ago Dec 14, 2023	Sell 2.86 M USD	KANE JOHN M EVP & Group President	- 150132	19.0172 USD
1 year ago Nov 07, 2023	Sell 170 K USD	HELEEN MARK L EVP, CLO & Secretary	- 10000	16.9863 USD
1 year ago Jul 31, 2023	Sell 380 K USD	HELEEN MARK L EVP, CLO & Secretary	- 20000	19.0069 USD
1 year ago Jan 27, 2023	Sell 218 K USD	HAUBER STEPHEN M EVP, Chief Risk&Compliance Off	- 11351	19.1654 USD
1 year ago Jan 03, 2023	Sell 282 K USD	KANE JOHN M EVP & Group President	- 17006	16.5592 USD
2 years ago Mar 31, 2022	Bought 5.4 M USD	Welker Stephen director:	+ 315408	17.13 USD
2 years ago Feb 03, 2022	Sell 55.8 K USD	HAUBER STEPHEN M EVP, Chief Risk&Compliance Off	- 3161	17.665 USD
2 years ago Jan 03, 2022	Sell 439 K USD	KANE JOHN M EVP & Group President	- 20516	21.4054 USD
3 years ago May 06, 2021	Sell 226 K USD	HAUBER STEPHEN M EVP, Chief Risk&Compliance Off	- 13285	16.9742 USD
4 years ago Aug 13, 2020	Bought 52.9 K USD	CABRAL ANNA ESCOBEDO Director	+ 6000	8.81 USD
4 years ago Jul 31, 2020	Bought 194 K USD	REMONDI JOHN F Chief Executive Officer	+ 25000	7.75 USD
4 years ago Jul 31, 2020	Bought 197 K USD	REMONDI JOHN F Chief Executive Officer	+ 25000	7.8872 USD
4 years ago May 13, 2020	Bought 43.3 K USD	ARNOLD FREDERICK Director	+ 6500	6.6596 USD
4 years ago May 06, 2020	Bought 21.8 K USD	UNGER LAURA S Director	+ 3000	7.25 USD
4 years ago May 04, 2020	Bought 49.1 K USD	HELEEN MARK L EVP, CLO & Secretary	+ 7250	6.7713 USD
5 years ago Jul 24, 2019	Sell 52.3 M USD	CANYON CAPITAL ADVISORS LLC 10 percent owner	- 3500000	14.95 USD
5 years ago May 16, 2019	Sell 123 K USD	HAUBER STEPHEN M EVP, Chief Risk&Compliance Off	- 9000	13.6304 USD
6 years ago Jan 29, 2018	Sell 251 K USD	HAUBER STEPHEN M SVP, Chief Risk&Compliance Off	- 17423	14.4025 USD
7 years ago Oct 20, 2017	Bought 74.1 K USD	LOWN CHRISTIAN M. EVP & Chief Financial Officer	+ 6000	12.3531 USD
7 years ago Sep 26, 2017	Sell 433 K USD	KANE JOHN M EVP & Group President	- 28886	15.0001 USD
7 years ago Apr 24, 2017	Sell 86.9 K USD	SUITT GILLELAND DIANE Director	- 5467	15.8934 USD
8 years ago Nov 17, 2016	Sell 328 K USD	DIEFENDERFER WILLIAM M III Director	- 18590	17.651 USD
8 years ago Nov 14, 2016	Sell 175 K USD	SUITT GILLELAND DIANE Director	- 10000	17.4711 USD
8 years ago Nov 09, 2016	Sell 105 K USD	CHIVAVIBUL SOMSAK EVP & Chief Financial Officer	- 7175	14.7 USD
8 years ago Nov 09, 2016	Sell 38 K USD	KANE JOHN M EVP & Group President	- 2586	14.7 USD
8 years ago Nov 09, 2016	Sell 273 K USD	SUITT GILLELAND DIANE Director	- 17240	15.8126 USD
8 years ago Aug 19, 2016	Sell 231 K USD	DIEFENDERFER WILLIAM M III Director	- 16300	14.198 USD
8 years ago Jul 26, 2016	Sell 128 K USD	Torre Bates Ann Director	- 9000	14.2252 USD
8 years ago Feb 09, 2016	Bought 340 K USD	REMONDI JOHN F Chief Executive Officer	+ 40000	8.4948 USD
8 years ago Feb 08, 2016	Bought 364 K USD	REMONDI JOHN F Chief Executive Officer	+ 40000	9.0931 USD
8 years ago Feb 04, 2016	Bought 35.7 K USD	HELEEN MARK L EVP & Chief Legal Officer	+ 3800	9.392 USD
9 years ago Oct 30, 2015	Bought 33 K USD	LEHMAN KATHERINE A Director	+ 2500	13.2151 USD
9 years ago Jul 28, 2015	Bought 316 K USD	REMONDI JOHN F Chief Executive Officer	+ 20000	15.8091 USD
9 years ago Jul 28, 2015	Bought 3.96 K USD	REMONDI JOHN F Chief Executive Officer	+ 250	15.8246 USD

7. News

Navient Receives Champion of Board Diversity Recognition by The Forum of Executive Women HERNDON, Va., Nov. 12, 2024 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) has been recognized by The Forum of Executive Women as a Champion of Board Diversity. This award annually honors the top public companies in the Philadelphia region with boards comprised of at least 30% women. globenewswire.com - 4 days ago

Is the Options Market Predicting a Spike in Navient (NAVI) Stock? Investors need to pay close attention to Navient (NAVI) stock based on the movements in the options market lately. zacks.com - 1 week ago

Navient Corporation (NAVI) Q3 2024 Earnings Call Transcript Navient Corporation (NASDAQ:NAVI ) Q3 2024 Results Conference Call October 30, 2024 8:00 AM ET Company Participants Jen Earyes - IR David Yowan - CEO Joe Fisher - CFO Conference Call Participants Bill Ryan - Seaport Research Partners Sanjay Sakhrani - KBW Rick Shane - JPMorgan Mark DeVries - Deutsche Bank Terry Ma - Barclays Moshe Orenbuch - TD Cowen Nate Richam - Bank of America Jeff Adelson - Morgan Stanley Ryan Shelly - Bank of America Operator Good day, and thank you for standing by. Welcome to the Navient Third Quarter 2024 Earnings Call. seekingalpha.com - 2 weeks ago

Navient Q3 Earnings Beat Estimates, NII & Provisions Decline Y/Y A surge in other income and a decline in provisions support NAVI's Q3 2024 results. Lower NII and higher expenses are headwinds. zacks.com - 2 weeks ago

Navient (NAVI) Reports Q3 Earnings: What Key Metrics Have to Say Although the revenue and EPS for Navient (NAVI) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 weeks ago

Navient (NAVI) Q3 Earnings Beat Estimates Navient (NAVI) came out with quarterly earnings of $0.28 per share, beating the Zacks Consensus Estimate of $0.23 per share. This compares to earnings of $0.84 per share a year ago. zacks.com - 2 weeks ago

Navient posts third quarter 2024 financial results HERNDON, Va., Oct. 30, 2024 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) today posted its 2024 third quarter financial results. Complete financial results are available on the company's website at Navient.com/investors. The materials will also be available on a Form 8-K on the SEC's website at www.sec.gov. globenewswire.com - 2 weeks ago

Navient Likely to be Hurt by a Decline in Fee Income in Q3 Earnings Lower fee income is likely to hurt NAVI's Q3 2024 results. A sequential increase in NII and cost control measures are set to offer support. zacks.com - 3 weeks ago

Analysts Estimate Navient (NAVI) to Report a Decline in Earnings: What to Look Out for Navient (NAVI) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 3 weeks ago

Navient Again Named a Best Place to Work for Caregivers HERNDON, Va., Oct. 03, 2024 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) has been recognized for the third year as a Best Place to Work for Working Daughters, according to Working Daughter, a community for women balancing eldercare with their careers. The annual list recognizes companies that support family caregivers and also raises awareness of how businesses help make caregiving and professional success compatible. globenewswire.com - 1 month ago

Navient to announce third quarter 2024 results, host earnings webcast Oct. 30 HERNDON, Va., Oct. 02, 2024 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) will host an audio webcast to review its 2024 third quarter financial results on Wednesday, Oct. 30, 2024, at 8:00 a.m. Eastern Time. The results are scheduled to be released the same day by 7:00 a.m. on Navient.com/investors. In addition to being available on the company's investor website, the results will be filed with the SEC on a Form 8-K available at SEC.gov. globenewswire.com - 1 month ago

Navient Finalizes Divesture of Healthcare Services Arm to CorroHealth NAVI to divest its healthcare services business Xtend to CorroHealth. Over 925 Xtend employees join the CorroHealth team as part of the deal. zacks.com - 1 month ago

8. Profile Summary

Navient Corporation NAVI

COUNTRY US

INDUSTRY Financial - Credit Services

MARKET CAP $ 1.63 B

Dividend Yield 1.07%

Description 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. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing and asset recovery services on its own loan portfolio, as well as asset recovery services on FFELP loans owned by other institutions. It also owns, originates, acquires, and services refinance and in-school private education loans; and offers healthcare services that include revenue cycle outsourcing, accounts receivable management, extended business office support, consulting engagement, and public health programs, as well as business processing services to state governments, agencies, court systems, municipalities, and parking and tolling authorities. In addition, the company provides customizable solutions for its clients that include hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments; and corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware.

Contact 123 Justison Street, Wilmington, DE, 19801 https://www.navient.com

IPO Date April 17, 2014

Employees 4500

Officers Mr. Matthew R. Sheldon Senior Vice President & General Counsel Mr. David L. Yowan President, Chief Executive Officer & Director Mr. John M. Kane Executive Vice President & Group President of Business Processing Solutions Ms. Jen Earyes Head of Investor Relations Ms. Shanee Ben-Zur Chief Marketing Officer of Earnest Ms. Judah Holland Senior Vice President of Strategic Initiatives Paul Hartwick Vice President of Corporate Communications Mr. Troy Standish Chief Operating Officer & Executive Vice President Mr. Stephen M. Hauber Executive Vice President & Chief Administrative Officer Mr. Joe Fisher C.F.A. Executive Vice President, Chief Financial Officer & Principal Accounting Officer

Price Chart NAVI

Navient Corporation NAVI

Premium Plan

Unlimited Plan