Lumida
/NAVI
⌘K
Navient Corp

Navient Corp

NAVI
$9.42USD+2.95%+0.27 today

MARKET CAP

883.4M

P/E (TTM)

FWD P/E

10.9x

DAY RANGE

$9 – $9

52W RANGE

$7
$14

AI Summary

Stalk
Buy NowMedium

NAVI is in an early Stage 1 consolidation, with repaired short-term EMAs acting as support and contracting volatility indicating stabilization. Moderate Stage 1→2 transition risk suggests a breakout potential, and current price holding above rising 9/21 EMAs near the consolidation pivot offers a favorable entry. Execution is to Buy Now on this pullback into EMAs and horizontal support.

  • Q2 originations grew 60% YoY to $815M, driven by refinancing demand
  • Operating costs down 18% YoY, boosting near-term margins
  • Revenue has fallen 21.6% annually over five years, raising growth doubts
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2014FY 2015FY 2016TREND
Sales, Adj.$5.6B$5.2B$5.0B
YoY %-7.8%-4.5%
P / Sales1.6x0.8x1.1x
EV / Sales26.6x25.6x24.5x
Gross Profit, Adj.$3.6B$3.1B$2.5B
YoY %-12.6%-19.2%
Margin %63.4%60.1%50.8%
EV / Gross Profit41.9x42.6x48.1x
EBITDA, Adj.$1.9B$1.6B$1.1B
YoY %-16.3%-29.6%
Margin %34.4%31.2%23.0%
EV / EBITDA77.3x81.8x106.2x
EBIT$1.8B$1.6B$1.1B
YoY %-13.1%-29.9%
Margin %32.3%30.4%22.3%
EV / EBIT82.5x84.1x109.7x
Net Income$1.1B$984.0M$681.0M
YoY %-13.0%-30.8%
Net Margin20.1%18.9%13.7%
EPS (GAAP)$2.66$2.58$2.12
YoY %-3.0%-17.8%