NAVI:NGS-Navient Corporation (USD)

EQUITY | Credit Services | Nasdaq Global Select

Last Closing

USD 13.38

Change

-0.27 (-1.98)%

Market Cap

USD 5.29B

Volume

0.48M
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Navient Corp, through its subsidiaries is engaged in originating, servicing and collecting education loans.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2025-05-28 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap
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SOFI SoFi Technologies Inc.

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SLM SLM Corp

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QFIN 360 Finance Inc

-1.34 (-3.16%)

USD 6.28B
CACC Credit Acceptance Corporation

-5.74 (-1.19%)

USD 5.71B
SLMBP SLM Corp Pb Pref

+2.42 (+3.17%)

USD 4.90B
UPST Upstart Holdings Inc

+0.48 (+1.03%)

USD 4.31B
SEZL Sezzle Inc. Common Stock

-2.44 (-2.24%)

USD 3.00B
LX Lexinfintech Holdings Ltd

-0.02 (-0.28%)

USD 1.47B
EZPW EZCORP Inc

+0.03 (+0.22%)

USD 0.96B

ETFs Containing NAVI

EBIT Harbor ETF Trust 1.72 % 0.00 %

-0.07 (-0.23%)

USD 0.01B
WBIH 0.00 % 1.00 %

N/A

N/A
CEM2:F 0.00 % 0.00 %

N/A

N/A
CEM2:XETRA 0.00 % 0.00 %

N/A

N/A

Market Performance

  Market Performance vs. Industry/Classification (Credit Services) Market Performance vs. Exchange (Nasdaq Global Select)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 0.68% 63% D 64% D
Dividend Return 1.20% 50% F 60% D-
Total Return 1.88% 63% D 67% D+
Trailing 12 Months  
Capital Gain -9.23% 35% F 43% F
Dividend Return 3.26% 27% F 63% D
Total Return -5.97% 35% F 44% F
Trailing 5 Years  
Capital Gain 79.84% 50% F 75% C
Dividend Return 40.86% 57% F 90% A-
Total Return 120.70% 55% F 82% B
Average Annual (5 Year Horizon)  
Capital Gain 18.15% 57% F 77% C+
Dividend Return 22.26% 63% D 79% B-
Total Return 4.11% 67% D+ 79% B-
Risk Return Profile  
Volatility (Standard Deviation) 57.77% 50% F 31% F
Risk Adjusted Return 38.53% 67% D+ 72% C
Market Capitalization 5.29B 67% D+ 76% C+

Key Financial Ratios

  Ratio vs. Industry/Classification (Credit Services) Ratio vs. Market (Nasdaq Global Select)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 7.30 23% 37%
Price/Book Ratio 0.50 88% 89%
Price / Cash Flow Ratio 2.81 48% 45%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 2.09% 37% 61%
Return on Invested Capital 5.00% 48% 66%
Return on Assets 0.10% 32% 56%
Debt to Equity Ratio 1,662.93% 5% 1%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

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:
Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value 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.

Positive cash flow

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

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

Superior Dividend Growth

This stock has shown top quartile dividend growth in the previous 5 years compared to its sector

What to not like:
Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Poor return on assets

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

Poor capital utilization

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

Poor return on equity

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

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.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

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.

Low Earnings Growth

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