Company Analysis Navient
1. Summary
Advantages
- Price (12.95 $) is less than fair price (17.41 $)
- Dividends (4.3%) are higher than the sector average (1.72%).
- The stock's return over the last year (-19.59%) is higher than the sector average (-26.38%).
- Current debt level 93.69% is below 100% and has decreased over 5 years from 95.05%.
- The company's current efficiency (ROE=8.27%) is higher than the sector average (ROE=5.61%)
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Navient | Financials | Index | |
|---|---|---|---|
| 7 days | 4.7% | 0.4% | -2.4% |
| 90 days | -3.6% | -32.9% | 5.8% |
| 1 year | -19.6% | -26.4% | 27.1% |
NAVI vs Sector: Navient has outperformed the "Financials" sector by 6.79% over the past year.
NAVI vs Market: Navient has significantly underperformed the market by -46.68% over the past year.
Stable price: NAVI is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: NAVI with weekly volatility of -0.3768% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (12.95 $) is lower than the fair price (17.41 $).
Price significantly below the fair price: The current price (12.95 $) is 34.4% lower than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (10.32) is lower than that of the sector as a whole (38.91).
P/E vs Market: The company's P/E (10.32) is lower than that of the market as a whole (49.04).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.8525) is higher than that of the sector as a whole (0.6287).
P/BV vs Market: The company's P/BV (0.8525) is lower than that of the market as a whole (3.17).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (0.4877) is lower than that of the sector as a whole (4.98).
P/S vs Market: The company's P/S indicator (0.4877) is lower than that of the market as a whole (10.24).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (14.8) is lower than that of the sector as a whole (40.84).
EV/Ebitda vs Market: The company's EV/Ebitda (14.8) is lower than that of the market as a whole (28.32).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -8.93% over the last 5 years.
Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-8.93%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-15.99%).
5.4. ROE
ROE vs Sector: The company's ROE (8.27%) is higher than that of the sector as a whole (5.61%).
ROE vs Market: The company's ROE (8.27%) is lower than that of the market as a whole (10.71%).
5.5. ROA
ROA vs Sector: The company's ROA (0.3715%) is lower than that of the sector as a whole (5.48%).
ROA vs Market: The company's ROA (0.3715%) is lower than that of the market as a whole (6.47%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.79%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 4.3% is higher than the average for the sector '1.72%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 4.3% has been steadily paid over the past 7 years, DSI=0.93.
Weak dividend growth: The company's dividend yield 4.3% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (34.21%) are at a comfortable level.
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