NAVI:NGS-Navient Corporation (USD)

EQUITY | Credit Services | Nasdaq Global Select

Last Closing

USD 17.22

Change

+0.16 (+0.94)%

Market Cap

USD 5.29B

Volume

0.58M

Analyst Target

USD 11.25
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)

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Relative Returns (From:    To: 2024-03-27 )

Largest Industry Peers for Credit Services

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

+0.28 (+3.69%)

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CACC Credit Acceptance Corporation

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USD 6.82B
FCFS FirstCash Inc

+1.10 (+0.96%)

USD 5.63B
SLMBP SLM Corp Pb Pref

-0.05 (-0.07%)

USD 5.00B
SLM SLM Corp

-0.03 (-0.14%)

USD 4.76B
QFIN 360 Finance Inc

-0.35 (-1.85%)

USD 2.91B
UPST Upstart Holdings Inc

+0.63 (+2.76%)

USD 1.92B
OCSL Oaktree Specialty Lending Corp

+0.16 (+0.81%)

USD 1.52B
PRAA PRA Group Inc

+0.23 (+0.96%)

USD 0.99B

ETFs Containing NAVI

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 -7.52% 34% F 34% F
Dividend Return 0.86% 30% F 57% F
Total Return -6.66% 34% F 35% F
Trailing 12 Months  
Capital Gain 8.64% 52% F 64% D
Dividend Return 4.04% 36% F 63% D
Total Return 12.68% 52% F 65% D
Trailing 5 Years  
Capital Gain 48.83% 77% C+ 72% C
Dividend Return 27.66% 63% D 88% B+
Total Return 76.49% 73% C 78% C+
Average Annual (5 Year Horizon)  
Capital Gain 20.51% 75% C 80% B-
Dividend Return 25.40% 75% C 83% B
Total Return 4.89% 67% D+ 87% B+
Risk Return Profile  
Volatility (Standard Deviation) 64.68% 39% F 25% F
Risk Adjusted Return 39.27% 68% D+ 74% C
Market Capitalization 5.29B 74% C 79% B-

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 50% 72%
Price/Book Ratio 0.69 75% 83%
Price / Cash Flow Ratio 2.81 46% 42%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 7.95% 47% 72%
Return on Invested Capital 5.81% 37% 71%
Return on Assets 0.35% 35% 63%
Debt to Equity Ratio 1,933.09% 4% 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.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Positive cash flow

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

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