Navient (NAVI) 📈: отчетность и дивиденды за 2025

Reports

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023
Финансовый отчет	link	link	link	link	link	link	link	link

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2
Финансовый отчет	link	link	link	link	link	link	link	link	link	link

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Капитализация, млрд $	8.26	3.69	4.62	3.52	2.05	1.89	3.65	2.83	1.97	2.14	2.48	-0.79
Выручка, млрд $	3.1	2.52	2.21	1.92	2	1.69	2.21	1.74	1.28	4.83	1.78	-8.54
Чистая прибыль, млрд $	0.997	0.681	0.292	0.395	0.597	0.412	0.717	0.645	0.228	0.228	0.5198	-17.51
EV, млрд $	134.06	116.59	112.2	100.34	92.13	84.67	79.78	67.73	58.81	57.19	76.62	-8.59
EBIT, млрд $	3.68	3.58	3.76	4.2	4.25	2.58	2.25	2.93	3.94	2.89	3.19	-1.50
EBITDA, млрд $	1.61	1.14	3.74	4.23	4.28	2.6	2.25	2.95	3.95	3.86	3.21	-1.59
Баланс стоимость, млрд $	2.48	2.89	3	3.52	3.34	2.43	2.6	2.98	2.76	2.76	2.82	-3.74
FCF, млрд $	1.91	1.36	1.16	1.14	1.02	0.987	0.702	0.305	0.676	0.676	0.7380	-7.90
Операционный денежный поток, млрд $	1.91	1.36	1.16	1.14	1.02	0.987	0.702	0.305	0.676	0.676	0.7380	-7.90
Операционная прибыль, млрд $	1.58	1.11	0.764	0.528	4.25	2.58	2.25	2.93	0.346	3.86	2.47	-39.45
Операционные расходы, млрд $	3.59	3.86	4.39	5.07	4.76	3.19	1.21	1.19	1.28	0.038	2.33	-23.10
CAPEX, млрд $	10.77	0	0	0	0	0	0	0	0	0	10.77	0.00

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Капитализация, млрд $	2.57	2.05	2.31	2.19	2.04	2.31	2.06	2.25	1.97	1.62		2.04	-6.85
Выручка, млрд $		0.455	0.39	0.332	0.322	0.307	0.422	1.28	1.17	1.1	0.948	0.9840	17.57
Чистая прибыль, млрд $		0.18	0.105	0.105	0.111	0.066	0.079	0.079	0.073	0.036	-0.002	0.0530	-147.94
EV, млрд $		73.44	70.17	67.58	64.6	62.71	60.65	57.01	54.28	50.49	49.9	54.47	-3.83
EBIT, млрд $		0.756	0.778	0.914	0.981	0.7329	0.701	1	0.972	0.918	0.623	0.8428	-2.33
EBITDA, млрд $		0.615	0.788	0.915	0.701	0.733	0.704	1.01	0.975	0.921	0.763	0.8746	1.62
Баланс стоимость, млрд $		2.93	2.97	2.98	2.96	2.93	2.9	2.76	2.77	2.75	2.69	2.77	-1.49
FCF, млрд $		0.139	0.068	0.207	0.145	0.099	0.122	0.31	0.182	0.279	-0.01	0.1766	-160.64
Операционный денежный поток, млрд $		0.139	0.068	0.207	0.145	0.099	0.122	0.31	0.182	0.279	-0.01	0.1766	-160.64
Операционная прибыль, млрд $		0.615	0.778	0.914	0.981	0.733	0.704	1.01	0.984	0.932	0.58	0.8420	-3.80
Операционные расходы, млрд $		0.19	0.194	0.582	0.185	0.182	0.233	-0.044	0.065	0.185	0.177	0.1232	-5.35
CAPEX, млрд $	0.004	0	0	0.003	0.003	0.003	0	0	0	0		0.0033	-6.94

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2008	2009	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд $					1.59	1.25	1.52	1.29	1.23	1.18	0.905	1.54	0.839	2.79	1.14	-7.37
Short Term Investments $			0.109	0.006	0.005	0.003	0.002	0.226			0.462	0.452	1.95	0.452	0.6184	296.10
Long term investments $				0.633	0.501	0.35	0.27	0.226	0.211	0.285	0.267	0.167	0.146		0.2152	-7.10
Total Receivables $					2.88	2.48	2.45	2.37	2.33	2.51	2.41	2.25	2.3	2.3	2.36	-0.26
Total Current Assets $					5.33	4.85	4.76	1.29	3.56	3.69	3.31	3.78	0.839	2.79	3.04	-25.10
Чистые активы, млрд $					3.91	3.7	3.49	1.29	3.56	3.69	3.31	0.074	0.57	3.78	2.24	-30.68
Активы, млрд $					134.11	121.14	114.99	104.18	94.9	87.41	80.61	70.8	61.38	61.38	79.02	-8.35
Short Term Debt $					2.57	2.33	4.77	9.32	8.48	6.61	2.49	5.87	4.15	4.23	5.52	-13.32
Long Term Debt $					124.83	112.37	105.01	93.52	81.72	-77.33	74.49	61.03	53.28	53.28	38.64	-8.20
Задолженность, млрд $					130.11	117.41	111.51	100.63	91.55	84.97	78	67.82	58.62	58.62	76.19	-8.53
Чистый долг, млрд $					125.81	112.9	107.58	98.01	88.97	82.76	76.07	65.36	56.46	54.84	73.92	-8.69
Долг, млрд $					127.4	114.15	12.6	99.29	90.2	83.95	76.98	66.9	57.3	57.5	75.07	-8.68
Interest income $						4.15	4.38	4.91	4.67	3.3	2.65	3.22	4.36		3.64	-1.36
Расходы на обслуживание долга $					2.07	2.44	2.97	3.67	3.49	2.05	1.32	2.1	3.56	3.51	2.50	0.40
Чист. проц. доходы, млрд $						1.71	4.38	4.91	4.67	3.3	2.65	3.22	4.36	4.36	3.64	-1.36
Goodwill $				0.353	0.551	0.545	0.701	0.665	0.665	0.665	0.671	0.67	0.67		0.6682	0.15
Амортизация, млрд $					0.012	0.0000	0.0001	0.031	0.025	0.021	0.03	0.019	0.01	0.979	0.0210	-16.74
Себестоимость, млрд $					0.918	0	0	0	0	0	0	0.444	-3.12	0.8	-0.5860	-250.35
Товарно материальные запасы $	8.45	9.7							5.85	5.59	5.62	6.92	0.489	0.489	4.89	-39.13

	2010Q1	2010Q2	2010Q3	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q2	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд $															0.976	1.36	1.54	0.57	1.32	0.977	2.79	2.95	4.01	1.14	2.37	3.13
Short Term Investments $									0.222				0.462	0.456	0.452	0.176	0.452		1.95	1.82			0.369	1.65	1.25	29.56
Long term investments $												0.295	0.267	0.21	0.201	0.176	0.167	0.153	0.158	0.149	0.146				0.1546	-2.65
Total Receivables $															2.17	2.17	2.25	2.23	2.28	2.28	2.3	2.06	1.89	1.91	2.09	-3.48
Total Current Assets $															3.15	1.54	3.78	0.57	3.27	2.8	2.79	2.95	1.09	2.79	2.48	-0.07
Чистые активы, млрд $														2.91	3.15	1.54	3.78	2.96	2.93	2.9	2.76	2.77	2.75		2.82	-1.26
Активы, млрд $															76.07	73.63	70.8	66.91	65.6	63.41	61.38	59.03	56.62	53.44	58.78	-3.36
Short Term Debt $															4.61	5.68	5.87	5.75	4.84	4.66	4.23	4.43	5.33	3.53	4.44	-5.40
Long Term Debt $															-67.74	-64	61.03	57.39	56.94	54.91	53.28	50.78	48.87	45.84	50.74	-3.55
Задолженность, млрд $															73.14	70.65	67.82	63.96	62.67	60.52	58.62	56.26	53.87	50.75	56.00	-3.46
Чистый долг, млрд $															71.37	68.31	65.36	62.57	60.46	58.59	54.84	52.33	48.87	48.22	52.57	-3.82
Долг, млрд $															72.35	69.68	66.9	63.14	61.77	59.57	57.63	55.28	52.87	49.36	54.94	-3.69
Interest income $												0.66	0.636	0.626	0.692	0.881	1.02	1.07	1.1	1.17	1.08				1.09	1.15
Расходы на обслуживание долга $															0.371	0.641	0.801	0.837	0.919	0.879	0.898	0.875	0.843	0.828	0.8646	-1.19
Чист. проц. доходы, млрд $														0.626	0.692	0.881	1.02	1.07	1.1	1.17	1.08	1.03	0.973		1.07	-2.42
Goodwill $				0.353	0.551	0.545	0.701	0.665		0.665	0.665		0.671				0.67				0.67				0.6682	0.15
Амортизация, млрд $															0.0001	0.01	0.001	-0.28	0.000122	0.003	0.002	0.003	0.003	0.14	0.0302	115.68
Себестоимость, млрд $															0.11	0.106	0	0.185	0.182	0.233	0.233	0.121	0.115	0.184	0.1772	-4.61
Товарно материальные запасы $	16.42	20.18	20.66												5.41	3.77	6.92	2.67	3.18	2.72	0.489				3.20	-41.14

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	2.58	2.12	1.04	1.5	2.56	2.11	4.17	4.48	1.85			1.85	3.03	-6.29
Цена акции ао			16.43	13.32	8.81	13.68	9.82	18.26	18.62	13.29	13.14	13.14	14.63	6.00
Число акций ао, млн	382	322	281	264	233	195	172	144	123			123	173.40	-11.99
FCF/акцию	35.11	4.52	4.12	4.32	4.37	5.06	4.08	2.12	5.5			5.5	4.23	4.71

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
EPS				1.22	0.7447	0.7836	0.8538	0.528	0.6529	0.696	0.6404	0.3214	-0.0185	0.4584	-149.03
Цена акции ао	21.47	20.22	18.36	15.55	15.26	15.82	17.45	16.43	18	17.45				17.03	1.98
Число акций ао, млн	167	157	153	147	141	134	130	125	121	113.5				124.70	-3.27
FCF/акцию				0.9456	0.4823	1.54	1.12	0.792	1.01	2.73	1.6	2.49	-0.0926	1.55	-162.01

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			24.4	17.75	8.16	11.33	17.42	14.28	28.51	23.14	7.95			8.27	-47.64	18.26	-14.52
ROA, %			0.71	0.53	0.25	0.3605	0.5998	0.452	0.8535	0.852	0.345			0.3715	10.63	0.6205	-10.47
ROIC, %		0.81	0.76	0.59	0.27	0.41	0.7	-2.41	0.93	1.03	0.5078				6.57	0.1516	-6.22
ROS, %					34.55	27.46	38.23	152.73	101.85	37.13	17.83	4.73	4.73	4.73	26.51	33.25	-45.88
ROCE, %				96.1	107.83	4.32	4.92	3.19	2.93	4.48	6.9		104.53	104.53	-25.34	24.41	100.95
Ebit margin, %							39.47	-19.79	42.33	168.62	308.13		59.79	59.79		111.82	-224.75
Рентаб EBITDA, %				45.07	168.93	219.81	214.23	153.97	101.85	169.72	308.91		80.08	80.08	32.94	162.91	-12.26
Чистая рентаб, %			32.14	26.99	13.21	20.54	29.91	24.41	32.43	37.13	17.83			4.73	26.51	28.34	-9.83
Operation Margin, %					34.55	27.46	38.23	138.27	42.33	168.62	27.05	80.08	80.08	80.08	31.28	79.63	13.60
Чистая процентная маржа, %	34.85	31.98	32.14	26.99	13.21	20.54	29.91	24.41	32.43					28.61	22.37	24.10	19.68
Доходность FCF, %		22.18	210.34	34.34	222.76	33.97	35.93	56.72	25.04	14.02	34.35					33.21	-0.90

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %		6.57	3.75	3.65	3.77	2.25	2.68	2.71	2.55	1.28	-0.0723	-47.64	1.83	-148.55
ROA, %		0.2334	0.1403	0.1454	0.1612	0.1006	0.1225	0.1266	0.1213	0.0623	-0.0036	10.63	0.0858	-149.39
ROIC, %		0.2697	0.1748	0.1818	0.1997	0.1314	0.1569	0.1623	0.1568	0.0953	0.0307	6.57	0.1204	-27.84
ROS, %		39.56	26.92	31.63	34.47	21.5	18.72	6.2	6.24	3.28	-0.211	26.51	6.85	-140.78
ROCE, %		1.02	1.08	1.32	1.48	25.01	1.14	1.69	1.68	1.66	1.17	-25.34	1.47	0.52
Ebit margin, %							166.11	78.67	83.08	83.76	65.72		95.47	-16.93
Рентаб EBITDA, %		135.16	202.05	275.6	217.7	238.76	166.82	78.82	83.33	84.03	80.49	32.94	98.70	-13.56
Чистая рентаб, %		39.56	26.92	31.63	34.47	21.5	18.72	6.2	6.24	3.28	-0.211	26.51	6.85	-140.78
Operation Margin, %		135.16	199.49	275.3	304.66	238.76	166.82	79.53	84.1	85.04	61.18	31.28	95.33	-18.18
Доходность FCF, %	16.1	19.5	11.5	13.9	27.4	22.4	24.3	30	27	55.3			31.80	19.81

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	4.6	6.8	7.4	5.91	5.3	4.62	5.17	3.67	10.32			10.32	25.68	5.82	14.26
P/BV	1	1.3	1	0.6587	0.9441	0.7786	1.42	0.7962	0.8525			0.8525	-12.14	0.9583	-2.02
P/S	1.5	2	1.7	1.21	1.58	1.13	1.68	1.36	1.84			0.4877	6.65	1.52	3.09
P/FCF			1.58	1.12	2.04	1.62	4.75	7.13	7.02	3.17	3.17	3.17	19.68	5.05	-7.77
E/P			0.0771	0.1177	0.2105	0.2368	0.2557	0.2964	0.1159	0.1065	0.1065	0.1065	0.05	0.1762	-16.07
EV/EBITDA	78.93	101.19	29.99	23.74	21.55	32.58	35.43	22.98	14.89			14.8	19.23	25.49	-7.13
EV/EBIT					116.94	-253.52	85.17	23.12	14.92	19.82	19.82	19.82		32.57	-25.29
EV/S			50.56	52.53	45.99	50.06	35.67	38.99	45.98	11.85	11.85	11.85	6.88	28.87	-19.78
EV/FCF			13.25	88.61	90.09	85.62	112.36	222.07	87	84.6	84.6	84.6	24.45	118.13	-5.52
Debt/EBITDA			29.39	23.49	21.09	32.3	34.18	22.69	14.5	14.88	14.88	14.88	2.24	20.23	-15.32
Netdebt/Ebitda			136.7	174.16	110.12	-130.9	80.1	22.17	14.29	14.19	14.19	14.19	1.03	28.99	-29.26
Debt/Ratio			0.97	0.97	0.96	0.97	0.97	0.9449	0.9336	0.9369	0.9369	0.9369	0.39	0.9445	-0.69
Debt/Equity			32.28	28.6	27.44	34.92	30.03	22.47	20.76	15.21	15.21	15.21	-1.77	20.74	-12.72
Debt/Net Income			375.97	250.48	151.09	203.75	107.36	103.71	251.31	252.2	252.2	252.2	3.29	193.36	18.63
Бета						1.78	1.79	1.57	0.949	0.183	0.9459	0.9459	-0.70	1.09	-11.98
Индекс Альтмана			0.05	0.02	0.01	0.11	0.1151	0.2787	0.3053	0.2094	0.2094	0.2094	25.62	0.2236	12.71

	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	Industry average	5 quarters average	CAGR 5
P/E						4.84	3.65	3.7	3.74	4.33	6.2	6.02	7.01	6.81	6.29			25.68	6.47	0.29
P/BV							0.7071	0.626	0.7445	0.6856	0.7692	0.7085	0.7867	0.7068	0.5922	0.625		-12.14	0.6838	-2.48
P/S							1.07	1.03	1.38	1.44	1.77	1.56	0.9734	0.625	0.4179	0.3892		6.65	0.7931	-24.25
P/FCF				17.83	18.89	-25.77	16.45	31.65	10.24	15.64	20.75	17.86	6.39					19.68	14.18	-9.00
E/P				0.0483	-0.0035	0.0908	0.0787	0.0488	0.0495	0.0489	0.0321	0.0363	0.0399					0.05	0.0413	-4.22
EV/EBITDA							35.07	30.04	22.99	21.4	85.55	19.86	18.14	15.89	14.01	13.62		19.23	16.30	-7.27
EV/EBIT												86.51	56.84	55.85	55	80.1			66.86	-1.53
EV/S							161.88	180.68	203.25	201.36	204.27	143.71	44.71	46.39	46.07	52.64		6.88	66.70	-18.20
EV/FCF							529.91	1036.23	325.99	447.17	633.44	497.09	183.89	298.25	180.98	-4990.27		24.45	-766.0120	-258.61
Debt/EBITDA							117.64	88.42	73.11	90.07	84.28	84.62	57.34	56.69	57.41	64.69		2.24	64.15	-5.23
Netdebt/Ebitda							116.05	86.69	71.43	89.26	82.48	83.23	54.56	53.67	53.06	63.2		1.03	61.54	-5.36
Debt/Ratio							0.9511	0.9463	0.9449	0.9436	0.9417	0.9394	0.9389	0.9364	0.9338	0.9237		0.39	0.9344	-0.34
Debt/Equity							24.72	23.44	22.47	21.35	21.08	20.56	20.91	19.98	19.24	18.32		-1.77	19.80	-2.28
Debt/Net Income							401.93	663.57	637.1	568.84	935.97	754.04	729.47	757.19	1468.64	-24681		3.29	-4194.3320	-300.91
Бета																	0.9459	-0.70	0.9459	0.00
Индекс Альтмана	0.0577	0.0785	0.0765	0.0846	0.067	0.0818	0.0728	0.0784	0.086								0.2094	25.62	0.1057	20.68

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.24	0.176	0.166	0.147	0.123	0.107	0.091	0.078	0.078		0.065		0.0954	-8.71
Дивиденд		0.64	0.64	0.64	0.64	0.64	0.64	0.64	0.64	0.64	0.8		0.6400	0.00
Див доход, ао, %		3.9	4.8	7.23	4.72	6.55	2.97	4.11	3.75	4.87	4.42	1.27	4.45	-5.76
Дивиденды / прибыль, %	25.5	26.5	35.5	42.03	24.62	29.85	14.92	14.11	34.21		34.21	56.24	23.54	6.80

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд				0.023	0.022	0.022	0.021	0.019	0.019	0.019	0.018	0.017	0.018		0.0182	-1.08
Дивиденд	0.16	0.16	0.16	0.16	0.16	0.16	0.16	0.16	0.16	0.16					0.1600	0.00
Див доход, ао, %	0.7454	0.7915	0.8716	1.03	1.05	1.01	0.9171	0.9736	0.8887	0.9171				1.27	0.9413	-1.91
Дивиденды / прибыль, %				12.78	20.95	20.95	18.92	28.79	24.05	24.05	24.66	47.22	-900	56.24	-156.0040	-306.36

	Industry average	5 quarters average	CAGR 5

Other

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	CAGR 5
НИОКР, млрд	0	0	0	0	0	0	0	0		0
Персонал, чел						5560	4330	4000	4500		-5.15

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	CAGR 5
НИОКР, млрд	0	0	0	0	0	0	0	0	0	0

	CAGR 5

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