Navient Corporation (NAVI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 3,734 | 3,527 | 3,839 | 4,836 | 4,234 | 3,229 | 2,938 | - |
| Operating profit | $m | 2,491 | 1,093 | ||||||
| Net profit | $m | 412 | 717 | 645 | 228 | 131 | -80 | -49 | 78 |
| EPS reported | $ | -0.81 | -0.50 | ||||||
| Operating cashflow per share | $ | 4.45 | 3.58 | ||||||
| Capex per share | $ | 0.00 | 0.00 | ||||||
| FCF per share | $ | 4.45 | 3.58 | ||||||
| Free cash flow | $m | 441 | 340 | ||||||
| Net debt | $m | 43,602 | 42,198 | ||||||
| Book value equity | $m | 2,399 | 2,398 | ||||||
| Book value per share | $ | 24.23 | 24.98 | ||||||
| Number of shares | m | 99 | 96 | ||||||
| DPS (TTM paid) | $ | 0.64 | 0.64 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | - | ||||||
| P/B LTM | x | 0.54 | 0.54 | ||||||
| P/S LTM | x | 0.40 | 0.44 | ||||||
| P/FCF LTM | x | 2.92 | 3.79 | ||||||
| EV/EBITDA LTM | x | 18.14 | 41.45 | ||||||
| EV/Sales LTM | x | 13.90 | 14.66 | ||||||
| Earnings Yield LTM | % | -6.22% | -5.62% | ||||||
| FCF Yield | % | +34.27% | +26.42% | ||||||
| Quality | |||||||||
| ROE | % | -3.33% | -2.04% | ||||||
| ROIC | % | +3.69% | +39.33% | ||||||
| Operating margin | % | +77.14% | +37.20% | ||||||
| Gross margin | % | +86.96% | +49.42% | ||||||
| FCF/Sales | % | +13.66% | +11.57% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | -23.74% | -30.61% | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | -3.92% | -25.93% | ||||||
| Operating Profit Growth | % | +1331.6% | +528.16% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.90% | +6.98% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | -78.56% | -130.42% | ||||||
| FCF/Debt | x | 0.01 | 0.01 | ||||||
| Net Debt/EBITDA | x | 17.62 | 38.96 | ||||||
| EBIT/Net interest | x | 0.96 | 0.46 | ||||||
| Net debt/market cap | % | +35.51% | +51.44% | ||||||
| Net debt/Equity | x | 18.18 | 17.60 | ||||||
| Gross debt/equity | x | 19.05 | 18.49 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Navient Corporation specializes in managing education loans and delivering comprehensive business processing services. Its clientele spans the education, healthcare, and government sectors, serving federal, state, and local entities across the United States. The company's operations are divided into three primary segments: Federal Education Loans, Consumer Lending, and Business Processing. Within its Federal Education Loans segment, Navient holds Federal Family Education Loan Program (FFELP) loans, which are backed by state or non-profit agency guarantees. This division also handles the servicing and recovery of its own loan assets, alongside offering asset recovery solutions for FFELP loans held by other organizations. Its Consumer Lending activities involve the ownership, origination, acquisition, and ongoing servicing of private education loans, including both in-school financing and refinancing options. The Business Processing segment extends to various healthcare services, encompassing outsourced revenue cycle management, accounts receivable administration, supplementary business office support, consulting, and public health program management. Furthermore, it provides tailored business processing solutions to state governments, their agencies, judicial systems, local municipalities, and authorities overseeing parking and toll collection. These customizable offerings serve a diverse range of clients, such as hospitals, healthcare networks, medical centers, large physician practices, other healthcare providers, and public health departments. Navient also manages corporate liquidity portfolios. Established in 1973, Navient Corporation maintains its headquarters in Wilmington, Delaware.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Navient Corporation (NAVI)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Navient Corporation specializes in managing education loans and delivering comprehensive business processing services. Its clientele spans the education, healthcare, and government sectors, serving federal, state, and local entities across the United States. The company's operations are divided into three primary segments: Federal Education Loans, Consumer Lending, and Business Processing. Within its Federal Education Loans segment, Navient holds Federal Family Education Loan Program (FFELP) loans, which are backed by state or non-profit agency guarantees. This division also handles the servicing and recovery of its own loan assets, alongside offering asset recovery solutions for FFELP loans held by other organizations. Its Consumer Lending activities involve the ownership, origination, acquisition, and ongoing servicing of private education loans, including both in-school financing and refinancing options. The Business Processing segment extends to various healthcare services, encompassing outsourced revenue cycle management, accounts receivable administration, supplementary business office support, consulting, and public health program management. Furthermore, it provides tailored business processing solutions to state governments, their agencies, judicial systems, local municipalities, and authorities overseeing parking and toll collection. These customizable offerings serve a diverse range of clients, such as hospitals, healthcare networks, medical centers, large physician practices, other healthcare providers, and public health departments. Navient also manages corporate liquidity portfolios. Established in 1973, Navient Corporation maintains its headquarters in Wilmington, Delaware.
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