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Market Price

12.01 

0.22 1.9%

as of Mar 21 '19

52 Week Range:

8.23 15.03


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Navient Corporation provides asset management and business processing services to education, health care, and government clients at the federal, state, and local levels in the United States. The company operates in three segments: Federal Family Education Loan Program (FFELP) Loans, Private Education Loans, and Business Services. It holds the portfolio of education loans insured or guaranteed under the FFELP, as well as the portfolio of private education loans; and originates private education refinance loans. The company also services education loans owned by the United States Department of Education, financial institutions, and nonprofit education lenders. In addition, it offers asset recovery services for loans and receivables on behalf of guarantors of FFELP loans and higher education institutions. Further, the company provides asset recovery and other business processing services for federal, state, court, and municipal clients; public authorities; and health care organizations. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Jul '09 Jul '10 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 10.34
11.13
12.75
13.41
15.08
growth rate 7.6% 14.6% 5.2% 12.5%
Earnings BIT 0.90
5.40
3,881.00
3,654.00
3,549.00
3,735.00
growth rate 500.0% 795.7% -5.9% -2.9% 5.2%
Avg.PE 7.33
4.36
7.03
12.65
7.68
growth rate -40.5% 61.2% 79.9% -39.3%
ROA 0.88
0.75
0.71
0.53
0.25
0.36
growth rate -14.8% -5.3% -25.4% -52.8% 44.0%
ROE 27.56
24.66
24.40
17.75
8.16
11.33
growth rate -10.5% -1.1% -27.3% -54.0% 38.9%
ROIC 1.79
1.63
growth rate -8.9%
Leverage 31.46
34.86
33.74
32.75
33.29
29.60
growth rate 10.8% -3.2% -2.9% 1.7% -11.1%
Balance Sheet Jul '09 Jul '10 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 17.80
13.30
138,168.00
125,777.00
113,701.00
107,634.00
96,932.00
growth rate -25.3% 2,082.0% -9.0% -9.6% -5.3% -9.9%
Acct.Payable 5.40
7.40
0.00
0.00
0.00
growth rate 37.0% -100.0%
Cur.Assets 34.60
29.10
144,318.00
131,787.00
119,088.00
112,718.00
102,351.00
growth rate -15.9% 1,605.3% -8.7% -9.6% -5.4% -9.2%
Total Assets 163.70
117.00
159,543.00
146,352.00
134,046.00
121,136.00
114,991.00
104,176.00
growth rate -28.5% 3,592.7% -8.3% -8.4% -9.6% -5.1% -9.4%
Cash 10.50
4.60
6,082.00
1,443.00
1,594.00
1,253.00
1,518.00
1,286.00
growth rate -56.2% 3,536.2% -76.3% 10.5% -21.4% 21.2% -15.3%
Cur.Liabilities 35.60
35.60
3,228.00
3,569.00
4,004.00
5,464.00
6,201.00
growth rate 0.0% 349.3% 10.6% 12.2% 36.5% 13.5%
Liabilities 198.80
137.90
153,906.00
142,154.00
130,113.00
117,413.00
111,506.00
100,629.00
growth rate -30.6% 3,240.8% -7.6% -8.5% -9.8% -5.0% -9.8%
LT Debt 106.20
49.00
136,866.00
124,833.00
112,368.00
105,012.00
93,519.00
growth rate -53.9% 1,308.3% -8.8% -10.0% -6.6% -10.9%
Equity 5,637.00
4,198.00
3,909.00
3,699.00
3,454.00
3,519.00
growth rate -25.5% -6.9% -5.4% -6.6% 1.9%
Common Shares 423.00
423.00
425.00
382.00
322.00
281.00
264.00
growth rate 0.0% 0.5% -10.1% -15.7% -12.7% -6.1%
Cash Flow Statement Jul '09 Jul '10 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Cash Dividends 0.00
0.00
284.00
255.00
240.00
201.00
176.00
166.00
growth rate -10.2% -5.9% -16.3% -12.4% -5.7%
Cash From OA 21.60
24.60
2,000.00
1,664.00
1,910.00
1,347.00
1,158.00
1,140.00
growth rate 13.9% 801.7% -16.8% 14.8% -29.5% -14.0% -1.6%
FCF per Share 5.32
3.82
4.64
4.00
3.36
growth rate -28.2% 21.5% -13.8% -16.0%
Sale Purchase of Stock 0.00
0.00
-600.00
-600.00
-945.00
-755.00
-440.00
growth rate 0.0% 0.0% 0.0% 0.0%
FCF 10.90
63.50
2,636.00
2,000.00
1,664.00
1,910.00
1,357.00
1,157.00
1,140.00
growth rate 482.6% 4,051.2% -24.1% -16.8% 14.8% -29.0% -14.7% -1.5%
Income Statement Jul '09 Jul '10 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 152.70
126.10
6,263.00
2,927.00
2,521.00
2,094.00
1,785.00
1,553.00
growth rate -17.4% 604.8% -53.3% -13.9% -16.9% -14.8% -13.0%
Op.Income -15.10
-3.40
1,311.00
1,931.00
1,591.00
1,114.00
796.00
538.00
growth rate 0.0% 100.0% 47.3% -17.6% -30.0% -28.6% -32.4%
IBT -13.20
-2.70
2,087.00
1,818.00
1,580.00
1,108.00
764.00
528.00
growth rate 0.0% 100.0% -12.9% -13.1% -29.9% -31.1% -30.9%
Net Income -15.10
13.50
1,311.00
1,137.00
984.00
681.00
292.00
395.00
growth rate 100.0% 885.5% -13.3% -13.5% -30.8% -57.1% 35.3%
EPS 1.90
3.12
2.66
2.58
2.12
1.04
1.49
growth rate 64.2% -14.7% -3.0% -17.8% -50.9% 43.3%
Gross Profit 73.80
68.50
2,927.00
2,521.00
2,094.00
1,785.00
1,553.00
growth rate -7.2% 249.6% -13.9% -16.9% -14.8% -13.0%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Earnings BIT 975.00
1,005.00
growth rate 3.1%
Balance Sheet Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Acct.Receivable 107,634.00
104,776.00
101,588.00
99,011.00
96,932.00
growth rate -2.7% -3.0% -2.5% -2.1%
Acct.Payable
growth rate
Cur.Assets 112,836.00
111,073.00
106,765.00
104,401.00
102,351.00
growth rate -1.6% -3.9% -2.2% -2.0%
Total Assets 114,991.00
113,209.00
108,949.00
106,493.00
104,176.00
growth rate -1.6% -3.8% -2.3% -2.2%
Cash 1,518.00
2,398.00
1,622.00
2,143.00
1,286.00
growth rate 58.0% -32.4% 32.1% -40.0%
Inventory
growth rate
Cur.Liabilities 5,464.00
5,794.00
5,488.00
5,762.00
6,201.00
growth rate 6.0% -5.3% 5.0% 7.6%
Liabilities 111,506.00
109,541.00
105,204.00
102,738.00
100,629.00
growth rate -1.8% -4.0% -2.3% -2.1%
LT Debt 105,012.00
102,797.00
98,690.00
96,089.00
93,519.00
growth rate -2.1% -4.0% -2.6% -2.7%
Equity 3,454.00
3,637.00
3,714.00
3,724.00
3,519.00
growth rate 5.3% 2.1% 0.3% -5.5%
Common Shares 4.00
4.00
4.00
4.00
4.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Capital Expenditures
growth rate
Cash Dividends 43.00
42.00
43.00
41.00
40.00
growth rate -2.3% 2.4% -4.7% -2.4%
Cash From OA 243.00
284.00
198.00
173.00
485.00
growth rate 16.9% -30.3% -12.6% 180.4%
Sale Purchase of Stock
growth rate
FCF
growth rate
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 478.00
453.00
329.00
427.00
343.00
growth rate -5.2% -27.4% 29.8% -19.7%
Op.Income 213.00
169.00
122.00
165.00
82.00
growth rate -20.7% -27.8% 35.3% -50.3%
IBT 182.00
162.00
113.00
147.00
107.00
growth rate -11.0% -30.3% 30.1% -27.2%
Net Income -84.00
126.00
83.00
114.00
72.00
growth rate 100.0% -34.1% 37.4% -36.8%
EPS
growth rate
Gross Profit 478.00
453.00
329.00
427.00
343.00
growth rate -5.2% -27.4% 29.8% -19.7%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

F (0.00)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.07 8.06 5.78
EPS / Growth -3.6% 1.49 -3.6%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 2.00 5.28 5.28
Future EPS 1.65 1.65 1.65
Value Price
MOS %
0.81
-93.2%
2.15
-82.1%
2.15
-82.1%
MOS Price 0.41 1.08 1.08
IRT 7.72 7.72 7.72

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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