Navient Corporation
Find Ratings ReportsNAVIENT CORP's gross profit margin for the fourth quarter of its fiscal year 2023 is essentially unchanged when compared to the same period a year ago. Even though sales increased, the net income has decreased, representing a decrease to the bottom line.
During the same period, stockholders' equity ("net worth") has decreased by 7.28% from the same quarter last year.
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Income Statement | Q4 FY23 | Q4 FY22 |
---|---|---|
Net Sales ($mil) | 1184.0 | 1123.0 |
EBITDA ($mil) | 0.0 | 0.0 |
EBIT ($mil) | 956.0 | 922.0 |
Net Income ($mil) | -28.0 | 105.0 |
Balance Sheet | Q4 FY23 | Q4 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 2793.0 | 4807.0 |
Total Assets ($mil) | 61375.0 | 70795.0 |
Total Debt ($mil) | 57628.0 | 66896.0 |
Equity ($mil) | 2760.0 | 2977.0 |
Profitability | Q4 FY23 | Q4 FY22 |
---|---|---|
Gross Profit Margin | 80.74 | 82.1 |
EBITDA Margin | 0.0 | 0.0 |
Operating Margin | 80.74 | 82.1 |
Sales Turnover | 0.08 | 0.05 |
Return on Assets | 0.37 | 0.91 |
Return on Equity | 8.26 | 21.67 |
Debt | Q4 FY23 | Q4 FY22 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.95 | 0.96 |
Interest Expense | 921.0 | 801.0 |
Interest Coverage | 1.04 | 1.15 |
Share Data | Q4 FY23 | Q4 FY22 |
---|---|---|
Shares outstanding (mil) | 113.5 | 130.21 |
Div / share | 0.16 | 0.16 |
EPS | -0.25 | 0.78 |
Book value / share | 24.32 | 22.86 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 939736.0 | 830692.0 |
HOLD. This stock's P/E ratio indicates a discount compared to an average of 17.75 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 0.68 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.64. The price-to-sales ratio is well below both the S&P 500 average and the subsector average, indicating a discount. Upon assessment of these and other key valuation criteria, NAVIENT CORP proves to trade at a discount to investment alternatives.
Price/Earnings |
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Price/Cash Flow |
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NAVI 9.24 | Peers 17.75 | NAVI 2.76 | Peers 20.18 | |||||||||||||||||||||
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations. NAVI is trading at a significant discount to its peers. |
Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. NAVI is trading at a significant discount to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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NAVI 7.41 | Peers 13.86 | NAVI 0.50 | Peers 1.78 | |||||||||||||||||||||
Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations. NAVI is trading at a significant discount to its peers. |
Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. NAVI trades at a significant discount to its peers. |
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Price/Book |
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Earnings Growth |
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NAVI 0.68 | Peers 8.64 | NAVI -59.73 | Peers 24.72 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. NAVI is trading at a significant discount to its peers. |
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. However, NAVI is expected to significantly trail its peers on the basis of its earnings growth rate. |
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Price/Sales |
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Sales Growth |
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NAVI 0.39 | Peers 4.87 | NAVI 31.54 | Peers 44.87 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. NAVI is trading at a significant discount to its subsector on this measurement. |
Lower. A sales growth rate that trails the subsector implies that a company is losing market share. NAVI significantly trails its peers on the basis of sales growth. |
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