NAVI:NSD-Navient Corporation (USD)

COMMON STOCK | Credit Services | NSD

Last Closing Price

USD 20.74

Change

+0.03 (+0.14)%

Market Cap

USD 3.43B

Volume

1.95M

Avg Analyst Target

USD 19.73 (-4.88%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

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 four segments: Federal Education Loans, Consumer Lending, Business Processing, and Other. The company owns Federal Family Education Loan Program 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, and federal education loans owned by the United States Department of Education and other institutions. It also owns, originates, and acquires 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 departments of public health; and corporate liquidity portfolio and debt repurchase services. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-08-03 )

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USD7.95B 9.38 12.89
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PRAA PRA Group, Inc

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LX LexinFintech Holdings Ltd

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WRLD World Acceptance Corporation

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OCSL Oaktree Specialty Lending Corp..

+0.02 (+0.29%)

USD1.22B 2.81 N/A

ETFs Containing NAVI

Symbol Name Weight Mer Price(Change) Market Cap
EES WisdomTree U.S. SmallCap .. 0.00 % 0.38 %

+0.38 (+0.79%)

USD0.62B
FYX First Trust Exchange-Trad.. 0.00 % 0.61 %

+0.72 (+0.79%)

USD0.99B
RFV Invesco S&P MidCap 400 Pu.. 0.00 % 0.35 %

+0.92 (+1.01%)

USD0.19B
CEM2:F iShares US Equity Buyback.. 0.00 % 0.55 %

N/A

USD4.53M
CEM2:XETRA iShares US Equity Buyback.. 0.00 % 0.55 %

N/A

USD4.53M

Market Performance

  Market Performance vs.
Industry/Classification (Credit Services)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 111.20% 96% A 95% A
Dividend Return 3.26% 71% C- 84% B
Total Return 114.46% 96% A 96% A
Trailing 12 Months  
Capital Gain 152.77% 74% C 91% A-
Dividend Return 7.80% 86% B 89% B+
Total Return 160.57% 78% C+ 91% A-
Trailing 5 Years  
Capital Gain 45.65% 47% F 52% F
Dividend Return 22.47% 83% B 84% B
Total Return 68.12% 58% F 58% F
Average Annual (5 Year Horizon)  
Capital Gain 2.49% 41% F 35% F
Dividend Return 5.14% 78% C+ 89% B+
Total Return 7.63% 52% F 44% F
Risk Return Profile  
Volatility (Standard Deviation) 49.45% 48% F 36% F
Risk Adjusted Return 15.43% 48% F 32% F
Market Capitalization 3.43B 86% B 81% B-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Credit Services)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 4.01 88% B+ 86% B
Price/Book Ratio 1.27 64% D 77% C+
Price / Cash Flow Ratio 3.47 43% F 51% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 39.19% 78% C+ 95% A
Return on Invested Capital 17.54% 93% A 88% B+
Return on Assets 1.09% 36% F 55% F
Debt to Equity Ratio -3,178.46% 100% A+ 100% A+
Technical Ratios  
Short Ratio 3.88 36% F 34% F
Short Percent 4.30% 33% F 42% F
Beta 1.85 11% F 17% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.