Navient Corp. (NAVI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Navient Corp.

Herc Holdings, Inc.

Hertz Global Holdings, Inc.

Why is Navient Corp. ?

Flat results in Mar 26

NET PROFIT(9M) At USD -59 MM has Grown at -349.03%
OPERATING CASH FLOW(Y) Lowest at USD 323 MM
ROCE(HY) Lowest at -2.42%

Risky -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of -39.35%, its profits have fallen by -136.9%

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -39.35% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Navient Corp. for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

Navient Corp.

-39.35%

-1.04

39.84%

S&P 500

20.78%

1.56

13.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-2.67%

EBIT Growth (5y)

-1.15%

EBIT to Interest (avg)

1.35

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

30.86%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

1,270.31%

ROE (avg)

17.23%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

1.32

EV to EBIT

0.38

EV to EBITDA

0.38

EV to Capital Employed

3.61

EV to Sales

0.33

PEG Ratio

Dividend Yield

2.17%

ROCE (Latest)

937.63%

ROE (Latest)

-2.54%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

Bullish

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

15What is working for the Company

INTEREST COVERAGE RATIO(Q)

Highest at 111.01

DIVIDEND PAYOUT RATIO(Y)

Highest at 90.34%

RAW MATERIAL COST(Y)

Fallen by -0.91% (YoY

PRE-TAX PROFIT(Q)

Highest at USD 32 MM

NET PROFIT(Q)

Highest at USD 17 MM

EPS(Q)

Highest at USD 0.18

-18What is not working for the Company

NET PROFIT(9M)

At USD -59 MM has Grown at -349.03%

OPERATING CASH FLOW(Y)

Lowest at USD 323 MM

ROCE(HY)

Lowest at -2.42%

DEBTORS TURNOVER RATIO(HY)

Lowest at 1.85 times

NET SALES(Q)

Lowest at USD 716 MM

Here's what is working for Navient Corp.

Pre-Tax Profit

At USD 32 MM has Grown at 237.63%

over average net sales of the previous four periods of USD -23.25 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 17 MM has Grown at 211.48%

over average net sales of the previous four periods of USD -15.25 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Interest Coverage Ratio

Highest at 111.01

in the last five periods

MOJO Watch

The company's ability to manage interest payments is improving

Operating Profit to Interest

Pre-Tax Profit

Highest at USD 32 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 17 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.18

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend Payout Ratio

Highest at 90.34%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Raw Material Cost

Fallen by -0.91% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Depreciation

Highest at USD 4 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Depreciation

At USD 4 MM has Grown at 300%

period on period (QoQ)

MOJO Watch

The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales

Depreciation (USD MM)

Here's what is not working for Navient Corp.

Operating Cash Flow

Lowest at USD 323 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales

Lowest at USD 716 MM and Fallen

In each period in the last five periods

MOJO Watch

Near term sales trend is very negative

Net Sales (USD MM)

Debtors Turnover Ratio

Lowest at 1.85 times and Fallen

In each half year in the last five Semi-Annual periods

MOJO Watch

Company's pace of selling Debtors has slowed

Debtors Turnover Ratio

Net Sales

At USD 716 MM has Fallen at -10.47%

over average net sales of the previous four periods of USD 799.75 MM

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)