Navient Corporation(NAVI) Stock Research - Grey Stern Research

Navient Corporation (NAVI) Stock Analysis

$15.28 (-1.93%)

NAVI Financial Performance


Use the table below to view Navient Corporation's financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q3 - 2024

Metric Value Ranking among Peers
Price $15.28 -
52 Week Low $13.71 -
52 Week High $19.68 -
Market Cap $1.6 Billion 9/13
Gross Margin 81% 6/13
Profit Margin 0% 11/13
EBITDA margin 61% 3/13
Q3 - 2024 Revenue $948.0 Million 2/13
Q3 - 2024 Earnings -$2.0 Million 11/13
Q3 - 2024 Free Cash Flow -$10.0 Million 5/13
Trailing 4 Quarters Revenue $4.5 Billion 2/13
Trailing 4 Quarters Earnings $186.0 Million 7/13
Quarterly Earnings Growth -103% 11/13
Annual Earnings Growth -33% 10/13
Quarterly Revenue Growth 125% 1/13
Annual Revenue Growth 234% 2/13
Cash On Hand $2.8 Billion 4/13
Short Term Debt $5.3 Billion 3/13
Long Term Debt $44.7 Billion 1/13

Navient Corporation Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Navient Corporation's metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 8.82 9/13
PS 0.37 13/13
PB 0.61 9/13
PC 0.59 13/13
Liabilities to Equity 18.84 1/13
ROA 0.00 12/13
ROE 0.07 10/13
Current Ratio 1.05 12/13
Quick Ratio 0.06 10/13
Long Term Debt to Equity 16.59 3/13
Debt to Equity 18.56 1/13
Burn Rate 0.90 8/13
Cash to Cap 1.70 1/13
CCR 5.00 3/13
EV to EBITDA 84.22 5/13
EV to Revenue 10.88 3/13

Company Details

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.

CEO: Mr. John Remondi

Website: https://www.navient.com

Address: 123 S Justison St Ste 300 Wilmington, DELAWARE

Exchange: NASDAQ Global Select

Industry: Credit Services

Navient Corporation Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Navient Corporation. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
SLM Corporation SLM $5.6 Billion
FirstCash Holdings, Inc FCFS $4.8 Billion
EZCORP, Inc. EZPW $689.0 Million
Enova International, Inc. ENVA $2.8 Billion
Nelnet, Inc. NNI $4.0 Billion
Medallion Financial Corp. MFIN $222.6 Million
Federal Agricultural Mortgage Corporation AGM $2.3 Billion
ORIX Corporation IX $26.2 Billion
SLM Corporation SLMBP $5.8 Billion
Federal Agricultural Mortgage Corporation AGM-A $2.3 Billion
Open Lending Corporation LPRO $759.1 Million
Atlanticus Holdings Corporation ATLCP $867.6 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
NAVI Income Statements
Quarter Year Revenue Earnings
Q3 2024 $ 948.0 Million -$2.0 Million
Q2 2024 $ 1.1 Billion $36.0 Million
Q1 2024 $ 1.2 Billion $73.0 Million
Q4 2023 $ 1.3 Billion $79.0 Million
Q3 2023 $ 422.0 Million $79.0 Million
Q2 2023 $ 307.0 Million $66.0 Million
Q1 2023 $ 322.0 Million $111.0 Million
Q4 2022 $ 332.0 Million $105.0 Million

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NAVI Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q3 2024 $2.8 Billion $53.4 Billion $50.0 Billion $2.7 Billion
Q2 2024 $4.0 Billion $56.6 Billion $52.9 Billion $2.7 Billion
Q1 2024 $2.9 Billion $59.0 Billion $55.3 Billion $2.8 Billion
Q4 2023 $2.8 Billion $61.4 Billion $57.6 Billion $2.8 Billion
Q3 2023 $977.0 Million $63.4 Billion $59.6 Billion $2.9 Billion
Q2 2023 $1.3 Billion $65.6 Billion $61.8 Billion $2.9 Billion
Q1 2023 $570.0 Million $66.9 Billion $63.1 Billion $3.0 Billion
Q4 2022 $1.5 Billion $70.8 Billion $66.9 Billion $3.0 Billion

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NAVI Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q3 2024 -$10.0 Million $0 -$1.2 Billion
Q2 2024 $279.0 Million $0 $1.1 Billion
Q1 2024 $182.0 Million $0 $155.0 Million
Q4 2023 $310.0 Million $0 -$8.0 Million
Q3 2023 $50.0 Million $0 $50.0 Million
Q2 2023 $42.0 Million $0 $42.0 Million
Q1 2023 $145.0 Million $0 -$2.0 Billion
Q4 2022 $207.0 Million $0 $895.0 Million

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