NAVI RSI Chart
Last 7 days
-5.7%
Last 30 days
-2.6%
Last 90 days
-6.4%
Trailing 12 Months
-0.3%
Historical Charts for Stock Metrics
Year | Q1 | Q2 | Q3 | Q4 |
---|---|---|---|---|
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 |
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.
Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
---|---|---|---|---|---|---|
Feb 28, 2024 | kane john m | sold (taxes) | -149,294 | 15.75 | -9,479 | evp & group president |
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 09, 2024 | fisher joe | acquired | - | - | 82,432 | evp, cfo & pao |
Feb 09, 2024 | mills linda a | acquired | 239,984 | 16.19 | 14,823 | - |
Feb 09, 2024 | heleen mark l | acquired | - | - | 56,053 | evp, clo & secretary |
Feb 09, 2024 | hauber stephen m | acquired | - | - | 39,566 | evp, chief risk&compliance off |
Feb 09, 2024 | arnold frederick | acquired | 139,995 | 16.19 | 8,647 | - |
Feb 09, 2024 | lawson michael a | acquired | 139,995 | 16.19 | 8,647 | - |
Which funds bought or sold NAVI recently?
View All DetailsDatesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
---|---|---|---|---|---|---|
Apr 12, 2024 | ARGA Investment Management, LP | unchanged | - | -29,595 | 422,089 | 0.01% |
Apr 12, 2024 | AdvisorNet Financial, Inc | reduced | -71.79 | -535 | 191 | -% |
Apr 11, 2024 | Fortitude Family Office, LLC | reduced | -88.02 | -2,762 | 348 | -% |
Apr 10, 2024 | Bruce G. Allen Investments, LLC | new | - | 191 | 191 | -% |
Apr 05, 2024 | GAMMA Investing LLC | added | 12.82 | 940 | 7,656 | -% |
Apr 05, 2024 | CWM, LLC | added | 0.14 | -2,000 | 38,000 | -% |
Apr 03, 2024 | WealthCollab, LLC | new | - | 1,546 | 1,546 | -% |
Apr 03, 2024 | Versant Capital Management, Inc | unchanged | - | -248 | 3,550 | -% |
Mar 27, 2024 | NOMURA HOLDINGS INC | new | - | 782,580 | 782,580 | -% |
Mar 22, 2024 | PNC FINANCIAL SERVICES GROUP, INC. | reduced | -10.7 | -3,096 | 87,067 | -% |
Unveiling Navient Corp's Major ShareHolders
Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
---|---|---|---|---|---|
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 | 434.1B | 25.1B | 38.78 | 17.3 | ||||
AXP | 158.1B | 60.5B | 18.88 | 2.61 | ||||
PYPL | 68.0B | 29.8B | 16.03 | 2.29 | ||||
COF | 52.9B | 41.9B | 10.72 | 1.26 | ||||
DFS | 30.4B | 17.8B | 10.28 | 1.7 | ||||
ALLY | 11.1B | 14.0B | 10.9 | 0.8 | ||||
MID-CAP | ||||||||
CACC | 6.7B | 1.9B | 23.55 | 3.54 | ||||
FCFS | 5.9B | 3.2B | 26.97 | 1.88 | ||||
WU | 4.4B | 4.4B | 7.01 | 1.01 | ||||
NNI | 3.5B | 1.1B | 38.39 | 3.17 | ||||
SMALL-CAP | ||||||||
ENVA | 1.7B | 2.1B | 9.52 | 0.79 | ||||
ATLC | 383.6M | 1.2B | 3.73 | 0.33 | ||||
CPSS | 190.0M | 352.0M | 4.19 | 0.54 | ||||
AIHS | 7.3M | 7.3M | -1.88 | 1 | ||||
CURO | 3.7M | 853.2M | -0.01 | 0 |
Navient Corp News
Income Statement (Quarterly) | ||||||||||||||||||||||
Description | (%) Q/Q | 2023Q4 | 2023Q3 | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 |
Revenue | -7.6% | 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 | 1,269 |
Operating Expenses | -14.4% | 200 | 233 | 182 | 185 | 188 | 194 | 190 | 205 | 449 | 248 | 252 | 259 | 269 | 232 | 213 | 251 | 235 | 251 | 241 | 256 | 252 |
EBITDA Margin | -16.5% | 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* | 0.38* | - | - | - |
Interest Expenses | -45.2% | 160 | 291 | 178 | 234 | 223 | 240 | 321 | 337 | 314 | 334 | 322 | 363 | 343 | 336 | 300 | 273 | 294 | 312 | 293 | 285 | 307 |
Income Taxes | -127.4% | -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 | 34.00 |
Earnings Before Taxes | -133.2% | -36.50 | 110 | 96.00 | 144 | 114 | 137 | 244 | 332 | -8.50 | 220 | 240 | 484 | 234 | 259 | 170 | -131 | 220 | 185 | 194 | 164 | 107 |
EBT Margin | -33.3% | 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* | 0.13* | - | - | - |
Net Income | -135.4% | -28.00 | 79.00 | 66.00 | 111 | 105 | 105 | 180 | 255 | -11.00 | 173 | 185 | 370 | 186 | 207 | 125 | -106 | 171 | 145 | 153 | 128 | 72.00 |
Net Income Margin | -37.7% | 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* | 0.10* | - | - | - |
Free Cashflow | 154.1% | 310 | 122 | 99.00 | 145 | 207 | 68.00 | 139 | -109 | 168 | 201 | 154 | 179 | 171 | 221 | 142 | 453 | 188 | 309 | - | - | - |
Balance Sheet | ||||||||||||||||||||||
Description | (%) Q/Q | 2023Q4 | 2023Q3 | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 |
Assets | -3.2% | 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 | 104,176 |
Cash Equivalents | -14.1% | 839 | 977 | 1,317 | 570 | 1,535 | 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 | 5,262 |
Liabilities | -3.1% | 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 | 100,629 |
Short Term Borrowings | -9.4% | 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 | 5,422 |
Long Term Debt | -2.7% | 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 | 93,519 |
Shareholder's Equity | -4.8% | 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 | 3,547 |
Retained Earnings | -1.0% | 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 | 3,218 |
Additional Paid-In Capital | 0.1% | 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 | 3,145 |
Shares Outstanding | -1.6% | 122 | 124 | 126 | 129 | 142 | 145 | 146 | 151 | 170 | 174 | 178 | 183 | 193 | 195 | 197 | 200 | 230 | 235 | - | - | - |
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 | 28.00 |
Float | - | - | - | 1,700 | - | - | - | 2,000 | - | - | - | 3,200 | - | - | - | 1,300 | - | - | - | 3,100 | - | - |
Cashflow (Quarterly) | ||||||||||||||||||||||
Description | (%) Q/Q | 2023Q4 | 2023Q3 | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 |
Cashflow From Operations | 154.1% | 310 | 122 | 99.00 | 145 | 207 | 68.00 | 139 | -109 | 168 | 201 | 154 | 179 | 171 | 221 | 142 | 453 | 188 | 309 | 334 | 188 | 485 |
Share Based Compensation | -25.0% | 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 | 3.00 |
Cashflow From Investing | 22.0% | 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 | 2,161 |
Cashflow From Financing | -4.2% | -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 | -2,632 |
Dividend Payments | 0% | 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 | 40.00 |
Buy Backs | -6.7% | 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 | 125 |
Consolidated Statements of Income - USD ($) shares in Millions, $ in Millions | 12 Months Ended | ||
---|---|---|---|
Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2021 | |
Interest income: | |||
Cash and investments | $ 153 | $ 62 | $ 3 |
Total interest income | 4,419 | 3,223 | 2,648 |
Total interest expense | 3,557 | 2,102 | 1,316 |
Net interest income | 862 | 1,121 | 1,332 |
Less: provisions for loan losses | 123 | 79 | (61) |
Net interest income after provisions for loan losses | 739 | 1,042 | 1,393 |
Other income (loss): | |||
Servicing revenue | 64 | 77 | 168 |
Asset recovery and business processing revenue | 321 | 336 | 539 |
Other income | 21 | 32 | 30 |
Gains on sales of loans | 0 | 0 | 78 |
Losses on debt repurchases | (8) | 0 | (73) |
Gains (losses) on derivative and hedging activities, net | 11 | 171 | 64 |
Total other income | 409 | 616 | 806 |
Expenses: | |||
Salaries and benefits | 401 | 444 | 569 |
Other operating expenses | 399 | 332 | 638 |
Total operating expenses | 800 | 776 | 1,207 |
Goodwill and acquired intangible asset impairment and amortization expense | 10 | 19 | 30 |
Restructuring/other reorganization expenses | 25 | 36 | 26 |
Total expenses | 835 | 831 | 1,263 |
Income before income tax expense | 313 | 827 | 936 |
Income tax expense | 85 | 182 | 219 |
Net income | $ 228 | $ 645 | $ 717 |
Basic earnings per common share | $ 1.87 | $ 4.54 | $ 4.23 |
Average common shares outstanding | 122 | 142 | 170 |
Diluted earnings per common share | $ 1.85 | $ 4.49 | $ 4.18 |
Average common and common equivalent shares outstanding | 123 | 144 | 172 |
Dividends per common share | $ 0.64 | $ 0.64 | $ 0.64 |
FFELP Loans [Member] | |||
Interest income: | |||
Total interest income | $ 2,897 | $ 1,966 | $ 1,464 |
Less: provisions for loan losses | 56 | 0 | 0 |
Private Education Loans [Member] | |||
Interest income: | |||
Total interest income | 1,369 | 1,195 | 1,181 |
Less: provisions for loan losses | $ 67 | $ 79 | $ (61) |
Consolidated Balance Sheets - USD ($) $ in Millions | Dec. 31, 2023 | Dec. 31, 2022 |
---|---|---|
Assets | ||
Loans, net | $ 54,827 | $ 62,250 |
Investments | ||
Investments | 146 | 167 |
Cash and cash equivalents | 839 | 1,535 |
Restricted cash and cash equivalents | 1,954 | 3,272 |
Goodwill and acquired intangible assets, net | 695 | 705 |
Other assets | 2,914 | 2,866 |
Total assets | 61,375 | 70,795 |
Liabilities | ||
Short-term borrowings | 4,226 | 5,870 |
Long-term borrowings | 53,402 | 61,026 |
Other liabilities | 987 | 922 |
Total liabilities | 58,615 | 67,818 |
Commitments and contingencies | ||
Equity | ||
Common stock, par value $0.01 per share; 1.125 billion shares authorized: 464 million and 461 million shares issued, respectively | 4 | 4 |
Additional paid-in capital | 3,353 | 3,313 |
Accumulated other comprehensive income (net of tax expense of $6 and $29, respectively) | 19 | 87 |
Retained earnings | 4,638 | 4,490 |
Total Navient Corporation stockholders’ equity before treasury stock | 8,014 | 7,894 |
Less: Common stock held in treasury at cost: 350 million and 331 million shares, respectively | (5,254) | (4,917) |
Total equity | 2,760 | 2,977 |
Total liabilities and equity | 61,375 | 70,795 |
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 | 37,925 | 43,525 |
Private Education Loans [Member] | ||
Assets | ||
Loans, net | $ 16,902 | $ 18,725 |
 | Mr. David L. Yowan |
---|---|
 | navient.com |
 | Credit Services |
 | 4000 |