Stock NAVI NAVIENT CORPORATION
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Financials Navient Corporation

Equities

NAVI

US63938C1080

Consumer Lending

Market Closed - Nasdaq
Other stock markets
 21:00:00 26/04/2024 BST 		5-day change 1st Jan Change
15.72 USD -0.25% Intraday chart for Navient Corporation -3.02% -15.57%
04-25 Keefe, Bruyette & Woods Adjusts Price Target on Navient to $17 From $19, Keeps Market Perform Rating MT
04-25 Deutsche Bank Adjusts Navient Price Target to $16 From $18, Maintains Hold Rating MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 3,024 1,829 3,420 2,231 2,189 1,758 - -
Enterprise Value (EV) 1 91,989 81,952 76,553 64,153 56,878 48,686 47,231 1,758
P/E ratio 5.34 x 4.63 x 5.08 x 3.66 x 10.1 x 8.79 x 8.61 x -
Yield 4.68% 6.52% 3.02% 3.89% 3.44% 4.07% 4.07% 4.07%
Capitalization / Revenue 2.49 x 1.45 x 2.98 x 2.17 x 2.31 x 2.76 x 2.72 x -
EV / Revenue 75.6 x 65 x 66.7 x 62.5 x 60.1 x 76.4 x 73.2 x -
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.88 x 0.75 x 1.26 x 0.72 x 0.77 x 0.61 x 0.58 x 0.53 x
Nbr of stocks (in thousands) 221,037 186,280 161,172 135,614 117,571 111,825 - -
Reference price 2 13.68 9.820 21.22 16.45 18.62 15.72 15.72 15.72
Announcement Date 21/01/20 26/01/21 25/01/22 24/01/23 31/01/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 1,216 1,261 1,148 1,026 946 637.3 645.7 -
EBITDA - - - - - - - -
EBIT 1 1,021 974 931 659 519 289.3 334.1 -
Operating Margin 83.96% 77.24% 81.1% 64.23% 54.86% 45.39% 51.74% -
Earnings before Tax (EBT) 1 763 - 936 827 313 280.5 257.5 -
Net income 1 597 412 717 645 228 217.5 188 -
Net margin 49.1% 32.67% 62.46% 62.87% 24.1% 34.13% 29.12% -
EPS 2 2.560 2.120 4.180 4.490 1.850 1.789 1.826 -
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.6400 0.6400 0.6400 0.6400 0.6400 0.6400 0.6400 0.6400
Announcement Date 21/01/20 26/01/21 25/01/22 24/01/23 31/01/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 272 276 271 247 232 253 221 280 193 163 160 157.3 160.3 167.5 164
EBITDA - - - - - - - - - - - - - - -
EBIT 1 31 348 215 - 132 160 142 152 87 83 74.8 64.4 68.1 - -
Operating Margin 11.4% 126.09% 79.34% - 56.9% 63.24% 64.25% 54.29% 45.08% 50.92% 46.75% 40.93% 42.47% - -
Earnings before Tax (EBT) 1 -8 332 244 137 113 144 96 110 -37 88 71.67 47.67 62.33 68 70.5
Net income 1 -11 255 180 105 105 111 66 79 -28 73 55 36.67 47.67 52.5 54
Net margin -4.04% 92.39% 66.42% 42.51% 45.26% 43.87% 29.86% 28.21% -14.51% 44.79% 34.38% 23.31% 29.73% 31.34% 32.93%
EPS 2 -0.0700 1.670 1.220 0.7500 0.7800 0.8600 0.5200 0.6500 -0.2500 0.6400 0.4515 0.2692 0.4232 0.4003 0.5298
Dividend per Share 2 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 0.1600 - 0.1600 0.1600 0.1600 0.1600 0.1600
Announcement Date 25/01/22 26/04/22 26/07/22 25/10/22 24/01/23 26/04/23 26/07/23 25/10/23 31/01/24 24/04/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 88,965 80,123 73,133 61,922 54,689 46,928 45,473 -
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 17.4% 17% 27% 16.4% 10.6% 6.62% 7.49% 7.25%
ROA (Net income/ Total Assets) 0.64% 0.71% 0.68% 0.62% 0.48% 0.3% 0.36% -
Assets 1 93,281 58,028 105,441 104,032 47,500 72,500 52,222 -
Book Value Per Share 2 15.50 13.10 16.90 22.90 24.30 25.70 27.30 29.70
Cash Flow per Share 4.200 4.890 1.570 2.120 - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 21/01/20 26/01/21 25/01/22 24/01/23 31/01/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Navient Corporation

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
9
Last Close Price
15.72 USD
Average target price
14.88 USD
Spread / Average Target
-5.38%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Other Consumer Lending
  1. Stock Market
  2. Equities
  3. NAVI Stock
  4. Financials Navient Corporation