NAVI - Navient Corp Stock Price, Fair Value and News

15.43USD-0.11 (-0.71%)Market Closed

Market Summary

USD15.43-0.11

Market Closed

-0.71%

NAVI Alerts

1 major insider sales recently.

Big fall in earnings (Y/Y)

NAVI Stock Price

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NAVI RSI Chart

NAVI Valuation

Market Cap

1.7B

Price/Earnings (Trailing)

9.18

Price/Sales (Trailing)

0.4

EV/EBITDA

49.87

Price/Free Cashflow

2.45

NAVI Price/Sales (Trailing)

NAVI Profitability

EBT Margin

5.89%

Return on Equity

6.87%

Return on Assets

0.32%

Free Cashflow Yield

40.89%

NAVI Fundamentals

NAVI Revenue

Revenue (TTM)

4.4B

Rev. Growth (Yr)

-4.11%

Rev. Growth (Qtr)

-5%

NAVI Earnings

Earnings (TTM)

190.0M

Earnings Growth (Yr)

-34.23%

Earnings Growth (Qtr)

360.71%

Breaking Down NAVI Revenue

Last 7 days

-0.3%

Last 30 days

-4.2%

Last 90 days

-5.3%

Trailing 12 Months

-0.8%

How does NAVI drawdown profile look like?

NAVI Financial Health

Debt/Equity

18.38

Debt/Cashflow

0.01

NAVI Investor Care

Dividend Yield

4.15%

Dividend/Share (TTM)

0.64

Buy Backs (1Y)

12.40%

Diluted EPS (TTM)

1.63

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	4.4B	0	0	0
2023	3.7B	4.1B	4.4B	4.4B
2022	2.6B	2.6B	2.8B	3.2B
2021	3.0B	2.8B	2.7B	2.6B
2020	4.4B	4.0B	3.6B	3.3B
2019	5.0B	4.9B	4.9B	4.7B
2018	4.5B	4.7B	4.8B	4.9B
2017	4.1B	4.2B	4.3B	4.4B
2016	4.2B	4.2B	4.2B	4.1B
2015	4.5B	4.4B	4.4B	4.3B
2014	5.3B	5.1B	4.9B	4.7B
2013	5.7B	5.6B	5.5B	5.4B
2012	0	0	0	5.8B
2011	0	0	0	5.9B

Get all data in R, Python etc through our Historical Stock Data APIs

GRUFITY'S FAIR VALUE MODEL

Stocks Marked 'Very Cheap' by Grufity's Fair Value Model Have Outperformed Russell 2000 Index

Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

Returns of $10,000 invested in:

Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

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Very Cheap Stocks

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Tracking the Latest Insider Buys and Sells of Navient Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 03, 2024	heleen mark l	sold	-160,000	16.00	-10,000	evp, clo & secretary
Feb 28, 2024	hauber stephen m	sold (taxes)	-77,742	15.75	-4,936	evp, chief risk&compliance off
Feb 28, 2024	fisher joe	sold (taxes)	-77,852	15.75	-4,943	evp, cfo & pao
Feb 28, 2024	heleen mark l	sold (taxes)	-116,770	15.75	-7,414	evp, clo & secretary
Feb 28, 2024	kane john m	sold (taxes)	-149,294	15.75	-9,479	evp & group president
Feb 09, 2024	fisher joe	acquired	-	-	82,432	evp, cfo & pao
Feb 09, 2024	kane john m	acquired	-	-	72,540	evp & group president
Feb 09, 2024	unger laura s	acquired	139,995	16.19	8,647	-
Feb 09, 2024	lawson michael a	acquired	139,995	16.19	8,647	-
Feb 09, 2024	mills linda a	acquired	239,984	16.19	14,823	-

Which funds bought or sold NAVI recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-7.68	-250,199	1,572,440	-%
May 16, 2024	COMERICA BANK	added	16.48	67,197	826,343	-%
May 16, 2024	Beacon Capital Management, LLC	unchanged	-	11.00	1,079	-%
May 16, 2024	JANE STREET GROUP, LLC	reduced	-52.19	-1,219,860	985,293	-%
May 15, 2024	NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO	new	-	348	348	-%
May 15, 2024	KAHN BROTHERS GROUP INC	reduced	-3.71	-43,460	390,125	0.06%
May 15, 2024	ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	added	1,072	3,734,000	4,109,000	-%
May 15, 2024	Voya Investment Management LLC	added	0.81	-67,005	1,088,420	-%
May 15, 2024	Engineers Gate Manager LP	added	98.04	468,608	1,019,520	0.03%
May 15, 2024	Squarepoint Ops LLC	sold off	-100	-355,419	-	-%

Are Funds Buying or Selling NAVI?

Are funds buying NAVI calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own NAVI

No. of Funds

Unveiling Navient Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 28, 2024	sherborne investors management lp	26.1%	29,449,997	SC 13D/A
Feb 13, 2024	vanguard group inc	8.67%	10,195,054	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	8.5%	9,983,296	SC 13G/A
Jan 23, 2024	blackrock inc.	12.5%	14,707,725	SC 13G/A
Dec 15, 2023	sherborne investors management lp	25.0%	29,449,997	SC 13D/A
Oct 27, 2023	sherborne investors management lp	25.0%	29,449,997	SC 13D/A
Feb 10, 2023	dimensional fund advisors lp	8.4%	11,436,946	SC 13G/A
Feb 09, 2023	vanguard group inc	8.54%	11,581,337	SC 13G/A
Jan 23, 2023	blackrock inc.	10.4%	14,195,108	SC 13G/A
Apr 18, 2022	sherborne investors lp	19.7%	29,449,997	SC 13D/A

Recent SEC filings of Navient Corp

View All Filings

Date Filed	Form Type	Document
May 17, 2024	4	Insider Trading
May 13, 2024	8-K	Current Report
May 06, 2024	4	Insider Trading
May 03, 2024	144	Notice of Insider Sale Intent
Apr 29, 2024	8-K	Current Report
Apr 25, 2024	8-K/A	Current Report
Apr 24, 2024	8-K	Current Report
Apr 24, 2024	10-Q	Quarterly Report
Apr 17, 2024	DEFR14A	DEFR14A
Apr 16, 2024	8-K	Current Report

Peers (Alternatives to Navient Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	429.6B	25.7B	0.06%	17.45%	36.27	16.72	12.62%	22.62%
AXP	174.7B	62.0B	11.59%	58.26%	19.42	2.82	11.96%	24.39%
PYPL	67.4B	30.4B	1.93%	5.24%	15.54	2.22	8.39%	60.41%
COF	54.2B	43.4B	3.71%	42.95%	13.96	1.25	26.76%	-52.19%
DFS	31.4B	17.8B	4.61%	24.66%	13.9	1.76	38.72%	-44.91%
ALLY	12.2B	14.3B	10.64%	47.10%	14.22	0.86	22.92%	-37.74%
MID-CAP
CACC	6.0B	2.0B	-6.68%	13.52%	23.99	3.08	6.86%	-40.40%
FCFS	5.3B	3.2B	-9.34%	13.89%	22.91	1.66	13.90%	-14.51%
WU	4.4B	4.4B	2.66%	5.54%	7.21	1.02	0.29%	-19.79%
NNI	4.1B	1.1B	17.27%	16.15%	29.63	3.68	26.09%	-44.07%
SMALL-CAP
ENVA	1.7B	2.2B	5.37%	34.20%	9.77	0.75	22.40%	-16.16%
ATLC	357.4M	1.2B	-5.44%	-21.25%	3.48	0.3	9.96%	-11.98%
CPSS	181.0M	360.7M	1.53%	-18.77%	5.01	0.5	6.56%	-54.11%
AIHS	8.6M	7.3M	11.11%	2.26%	-2.23	1.18	-51.06%	-195.09%
CURO	2.5M	853.2M	-12.50%	-95.07%	-0.01	0	-15.13%	-1364.54%

Navient Corp News

Latest updates

Navient Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-5.0%	1,027	1,081	1,170	1,097	1,071	1,024	881	692	626	635	660	661	692	731	761	819	987	1,069	1,166	1,204	1,234
Operating Expenses	-8.3%	183	200	233	182	185	188	194	190	205	449	248	252	259	269	232	213	251	235	251	241	256
EBITDA Margin	-10.8%	0.24*	0.27*	0.32*	0.34*	0.45*	0.60*	0.68*	0.80*	0.81*	0.86*	0.93*	0.91*	0.83*	0.54*	0.47*	0.40*	0.37*	0.42*	-	-	-
Interest Expenses	-4.7%	152	160	291	178	234	223	240	321	337	314	334	322	363	343	336	300	273	294	312	293	285
Income Taxes	276.5%	15.00	-8.50	31.00	30.00	33.00	9.00	32.00	64.00	77.00	3.00	47.00	55.00	114	49.00	52.00	45.00	-25.00	49.00	40.00	41.00	36.00
Earnings Before Taxes	341.1%	88.00	-36.50	110	96.00	144	114	137	244	332	-8.50	220	240	484	234	259	170	-131	220	185	194	164
EBT Margin	-17.0%	0.06*	0.07*	0.11*	0.12*	0.17*	0.26*	0.25*	0.30*	0.30*	0.35*	0.43*	0.43*	0.38*	0.16*	0.14*	0.11*	0.11*	0.16*	-	-	-
Net Income	360.7%	73.00	-28.00	79.00	66.00	111	105	105	180	255	-11.00	173	185	370	186	207	125	-106	171	145	153	128
Net Income Margin	-15.8%	0.04*	0.05*	0.08*	0.10*	0.14*	0.20*	0.19*	0.23*	0.23*	0.27*	0.33*	0.33*	0.30*	0.12*	0.11*	0.08*	0.08*	0.13*	-	-	-
Free Cashflow	-41.3%	182	310	122	99.00	145	207	68.00	139	-109	168	201	154	179	171	221	142	453	188	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-3.8%	59,029	61,375	63,414	65,598	66,913	70,795	73,625	76,065	78,158	80,605	81,939	83,348	84,957	87,412	89,664	91,045	93,245	94,903	96,553	98,320	100,579
Cash Equivalents	-1.9%	823	839	977	1,317	570	4,807	1,364	976	708	905	1,050	1,453	1,497	3,537	1,775	1,632	1,084	3,781	1,583	1,746	1,206
Liabilities	-4.0%	56,263	58,615	60,516	62,668	63,955	67,818	70,652	73,138	75,328	77,997	79,205	80,636	82,220	84,965	87,399	88,919	91,197	91,554	93,301	95,008	97,136
Short Term Borrowings	4.8%	4,427	4,226	4,662	4,838	5,753	5,870	5,677	4,609	3,802	2,490	2,781	4,068	5,684	6,613	7,078	7,310	8,452	8,483	7,004	6,785	7,505
Long Term Debt	-4.8%	50,848	53,402	54,907	56,936	57,388	61,026	63,998	67,738	70,825	74,488	75,629	75,814	75,674	77,332	79,137	80,260	81,297	81,715	84,769	86,776	88,140
Shareholder's Equity	0.2%	2,766	2,760	2,898	2,930	2,958	2,977	2,973	2,927	2,830	2,608	2,734	2,712	2,737	2,447	2,265	2,126	2,048	3,349	3,252	3,312	3,443
Retained Earnings	1.1%	4,691	4,638	4,685	4,625	4,579	4,490	4,406	4,323	4,167	3,939	3,975	3,828	3,670	3,331	3,175	2,999	2,905	-620	3,527	3,418	3,303
Additional Paid-In Capital	0.2%	3,360	3,353	3,349	3,343	3,335	3,313	3,309	3,305	3,302	3,282	3,277	3,268	3,255	3,226	3,220	3,215	3,212	3,198	3,188	3,181	3,174
Shares Outstanding	-7.4%	113	122	120	126	129	142	145	149	151	170	174	174	183	193	193	197	200	230	-	-	-
Minority Interest	-	-	-	-	-	-	-	-	-	6.00	11.00	11.00	11.00	14.00	14.00	11.00	11.00	13.00	13.00	12.00	11.00	13.00
Float	-	-	-	-	1,700	-	-	-	2,000	-	-	-	3,200	-	-	-	1,300	-	-	-	3,100	-

Cashflow (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Cashflow (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-41.3%	182	310	122	99.00	145	207	68.00	139	-109	168	201	154	179	171	221	142	453	188	309	334	188
Share Based Compensation	66.7%	5.00	3.00	4.00	8.00	9.00	3.00	4.00	3.00	9.00	4.00	5.00	3.00	10.00	3.00	4.00	2.00	9.00	5.00	3.00	5.00	12.00
Cashflow From Investing	15.1%	2,330	2,024	1,659	1,826	1,848	3,773	2,856	2,205	1,751	1,560	894	1,334	2,885	1,530	1,526	2,407	985	1,079	1,525	2,473	2,408
Cashflow From Financing	-0.6%	-2,357	-2,342	-2,248	-1,435	-4,022	-3,085	-2,448	-2,122	-2,006	-1,461	-1,546	-1,828	-2,499	-2,378	-1,522	-2,328	-1,451	-1,746	-2,000	-2,601	-3,638
Dividend Payments	-5.3%	18.00	19.00	19.00	19.00	21.00	22.00	22.00	23.00	24.00	25.00	26.00	27.00	29.00	30.00	31.00	31.00	31.00	35.00	36.00	37.00	39.00
Buy Backs	-38.6%	43.00	70.00	75.00	80.00	85.00	85.00	95.00	105	115	150	150	200	100	-	65.00	-	335	77.00	130	126	107

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NAVI Income Statement

2024-03-31

Consolidated Statements of Income (Unaudited) - USD ($) shares in Millions, $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Cash and investments	$ 38	$ 34
Total interest income	1,027	1,071
Total interest expense	875	837
Net interest income	152	234
Less: provisions for loan losses	12	(14)
Net interest income after provisions for loan losses	140	248
Other income (loss):
Servicing revenue	17	17
Asset recovery and business processing revenue	77	72
Other income	9	7
Gains (losses) on derivative and hedging activities, net	32	(8)
Total other income	135	88
Expenses:
Salaries and benefits	101	105
Other operating expenses	82	80
Total operating expenses	183	185
Goodwill and acquired intangible asset impairment and amortization expense	3	3
Restructuring/other reorganization expenses	1	4
Total expenses	187	192
Income before income tax expense	88	144
Income tax expense	15	33
Net income	$ 73	$ 111
Basic earnings per common share	$ 0.65	$ 0.87
Average common shares outstanding	113	129
Diluted earnings per common share	$ 0.64	$ 0.86
Average common and common equivalent shares outstanding	114	130
Dividends per common share	$ 0.16	$ 0.16
FFELP Loans [Member]
Interest income:
Total interest income	$ 661	$ 693
Less: provisions for loan losses	1	10
Private Education Loans [Member]
Interest income:
Total interest income	328	344
Less: provisions for loan losses	$ 11	$ (24)

NAVI Balance Sheet

2024-03-31

Consolidated Balance Sheets (Unaudited) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Assets
Investments	$ 129	$ 146
Cash and cash equivalents	823	839
Restricted cash and cash equivalents	2,125	1,954
Goodwill and acquired intangible assets, net	692	695
Other assets	2,773	2,914
Total assets	59,029	61,375
Liabilities
Short-term borrowings	4,427	4,226
Long-term borrowings	50,848	53,402
Other liabilities	988	987
Total liabilities	56,263	58,615
Commitments and contingencies
Equity
Common stock, par value $0.01 per share, 1.125 billion shares authorized: 465 million and 464 million shares issued, respectively	4	4
Additional paid-in capital	3,360	3,353
Accumulated other comprehensive income (net of tax expense of $4 and $6, respectively)	15	19
Retained earnings	4,691	4,638
Total Navient Corporation stockholders’ equity before treasury stock	8,070	8,014
Less: Common stock held in treasury at cost: 353 million and 350 million shares, respectively	(5,304)	(5,254)
Total equity	2,766	2,760
Total liabilities and equity	59,029	61,375
Series A Junior Participating Preferred Stock [Member]
Equity
Series A Junior Participating Preferred Stock, par value $0.20 per share; 2 million shares authorized at December 31, 2021; no shares issued or outstanding	0	0
FFELP Loans [Member]
Assets
Loans, net	35,879	37,925
Private Education Loans [Member]
Assets
Loans, net	$ 16,608	$ 16,902

About Navient Corp

Navient Corporation provides technology-enabled education finance and business processing solutions for education, health care, and government clients 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 federal education loans held by other institutions. It also owns, originates, and services refinance and in-school private education loans; and offers business processing solutions, such as omnichannel contact center, workflow processing, and revenue cycle optimization services to federal agencies, state governments, tolling and parking authorities, other public sector clients, as well as hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments. In addition, the company provides corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware.

CEO	Mr. David L. Yowan
WEBSITE	navient.com
INDUSTRY	Credit Services
EMPLOYEES	4000

Navient Corp Frequently Asked Questions

What is the ticker symbol for Navient Corp? What does NAVI stand for in stocks?

NAVI is the stock ticker symbol of Navient Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Navient Corp (NAVI)?

As of Fri May 17 2024, market cap of Navient Corp is 1.74 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of NAVI stock?

You can check NAVI's fair value in chart for subscribers.

What is the fair value of NAVI stock?

You can check NAVI's fair value in chart for subscribers. The fair value of Navient Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Navient Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for NAVI so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Navient Corp a good stock to buy?

The fair value guage provides a quick view whether NAVI is over valued or under valued. Whether Navient Corp is cheap or expensive depends on the assumptions which impact Navient Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for NAVI.

What is Navient Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, NAVI's PE ratio (Price to Earnings) is 9.18 and Price to Sales (PS) ratio is 0.4. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. NAVI PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Navient Corp's stock?

In the past 10 years, Navient Corp has provided 0.035 (multiply by 100 for percentage) rate of return.