ScoreWhy is Navient Corp. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 17.23%
2
With a growth in Net Profit of 47.06%, the company declared Very Positive results in Jun 26
- INTEREST COVERAGE RATIO(Q) Highest at 112.06
- RAW MATERIAL COST(Y) Fallen by 1.44% (YoY)
- PRE-TAX PROFIT(Q) Highest at USD 42 MM
3
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 -29.10%, its profits have fallen by -136.9%
4
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -29.10% 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 ReportHow much should you hold?
- Overall Portfolio exposure to Navient Corp. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Navient Corp. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Navient Corp.
-28.41%
-0.87
42.06%
S&P 500
16.06%
1.20
13.17%
Quality
Management Risk
Growth
Capital StructureQuality 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)
0
Sales to Capital Employed (avg)
0
Tax Ratio
30.86%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
1,270.31%
ROE (avg)
17.23%
ValuationValuation 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
NA
Dividend Yield
2.17%
ROCE (Latest)
937.63%
ROE (Latest)
-2.54%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
INTEREST COVERAGE RATIO(Q)
Highest at 112.06
RAW MATERIAL COST(Y)
Fallen by 1.44% (YoY
PRE-TAX PROFIT(Q)
Highest at USD 42 MM
NET PROFIT(Q)
Highest at USD 26.92 MM
EPS(Q)
Highest at USD 0.26
-9What is not working for the Company
DEBTORS TURNOVER RATIO(HY)
Lowest at 1.8 times
NET SALES(Q)
Lowest at USD 710 MM
INTEREST COVERAGE RATIO(Q)
Lowest at 107.45
RAW MATERIAL COST(Y)
Grown by 5.28% (YoY
Here's what is working for Navient Corp.
Pre-Tax Profit
At USD 42 MM has Grown at 384.75%
over average net sales of the previous four periods of USD -14.75 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 26.92 MM has Grown at 339.32%
over average net sales of the previous four periods of USD -11.25 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Interest Coverage Ratio
Highest at 112.06
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Pre-Tax Profit
Highest at USD 42 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 26.92 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.26
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Raw Material Cost
Fallen by 1.44% (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
Here's what is not working for Navient Corp.
Net Sales
Lowest at USD 710 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (USD MM)
Interest Coverage Ratio
Lowest at 107.45
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Debtors Turnover Ratio
Lowest at 1.8 times and Fallen
In each half year in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
Raw Material Cost
Grown by 5.28% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin
Raw Material Cost as a percentage of Sales
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