NAVI:NGS-Navient Corporation

EQUITY | Credit Services | Nasdaq Global Select

Last Closing

USD 11.96

Change

-0.18 (-1.48)%

Market Cap

USD 5.29B

Volume

1.41M

Analyst Target

USD 15.22
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: 2019-03-19 )

Largest Industry Peers for Credit Services

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

-0.01 (-0.13%)

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CACC Credit Acceptance Corporation

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FCFS FirstCash Inc

-17.42 (-13.19%)

USD 5.63B
SLMBP SLM Corp Pb Pref

+0.39 (+0.51%)

USD 5.00B
SLM SLM Corp

-0.17 (-0.77%)

USD 4.76B
QFIN 360 Finance Inc

+0.14 (+0.75%)

USD 2.91B
UPST Upstart Holdings Inc

-0.29 (-1.25%)

USD 1.92B
OCSL Oaktree Specialty Lending Corp

-0.02 (-0.10%)

USD 1.52B
PRAA PRA Group Inc

-0.91 (-3.67%)

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 35.75% 87% B+ 83% B
Dividend Return 1.82% 57% F 87% B+
Total Return 37.57% 87% B+ 84% B
Trailing 12 Months  
Capital Gain -11.21% 50% F 42% F
Dividend Return 4.75% 75% C 84% B
Total Return -6.46% 54% F 47% F
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A F
Dividend Return N/A N/A N/A N/A F
Total Return N/A N/A N/A N/A F
Average Annual (5 Year Horizon)  
Capital Gain -5.96% 41% F 22% F
Dividend Return -1.73% 48% F 26% F
Total Return 4.23% 82% B 85% B
Risk Return Profile  
Volatility (Standard Deviation) 27.75% 67% D+ 48% F
Risk Adjusted Return -6.22% 48% F 28% F
Market Capitalization 5.29B 87% B+ 85% 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 48% 47%
Price/Book Ratio 0.79 63% 84%
Price / Cash Flow Ratio 0.73 52% 59%
Price/Free Cash Flow Ratio 2.69 45% 52%
Management Effectiveness  
Return on Equity 10.83% 52% 69%
Return on Invested Capital N/A N/A N/A
Return on Assets 0.37% 35% 48%
Debt to Equity Ratio 2,828.75% 4% 0%

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:
Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Positive cash flow

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

Positive free cash flow

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

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

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.

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.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Revenue Growth

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