Market Price

12.40 

0.10 0.8%

as of Dec 12 '19

52 Week Range:

7.45 13.45


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 education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States. It operates in three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company holds and acquires Federal Family Education Loan Program loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing and asset recovery services on its own loan portfolio, and federal education loans owned by the United States Department of Education and other institutions. It also holds, originates, and acquires consumer loans; and performs servicing activities on its own education loan portfolio, including primarily private education loans, and private education refinance loans. In addition, the company offers revenue cycle management and business processing services; and healthcare services that include revenue cycle outsourcing, accounts receivable management, extended business office support, and consulting engagement for federal, state, and municipal clients; public authorities; and healthcare organizations. Further, it provides customizable solutions for its clients that include non-profit/religious-affiliated hospital systems, teaching hospitals, urban medical centers, for-profit healthcare systems, critical access hospitals, children's hospitals, and various physician groups. The company 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 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 8.51
10.18
12.06
11.23
13.19
growth rate 19.6% 18.5% -6.9% 17.5%
Earnings BIT 3,654.00
3,549.00
3,735.00
growth rate -2.9% 5.2%
Avg.PE 6.84
6.62
10.53
6.63
growth rate -3.2% 59.1% -37.0%
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%
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 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 138,168.00
125,777.00
113,701.00
107,634.00
96,932.00
growth rate -9.0% -9.6% -5.3% -9.9%
Cur.Assets 144,318.00
131,787.00
119,088.00
112,953.00
102,539.00
growth rate -8.7% -9.6% -5.2% -9.2%
Total Assets 146,352.00
134,046.00
121,136.00
114,991.00
104,176.00
growth rate -8.4% -9.6% -5.1% -9.4%
Cash 1,443.00
1,594.00
1,253.00
1,518.00
1,286.00
growth rate 10.5% -21.4% 21.2% -15.3%
Cur.Liabilities 3,228.00
3,569.00
4,004.00
5,464.00
6,201.00
growth rate 10.6% 12.2% 36.5% 13.5%
Liabilities 142,154.00
130,113.00
117,413.00
111,506.00
100,629.00
growth rate -8.5% -9.8% -5.0% -9.8%
LT Debt 136,866.00
124,833.00
112,368.00
105,012.00
93,519.00
growth rate -8.8% -10.0% -6.6% -10.9%
Equity 4,198.00
3,909.00
3,699.00
3,454.00
3,519.00
growth rate -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 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Cash Dividends 255.00
240.00
201.00
176.00
166.00
growth rate -5.9% -16.3% -12.4% -5.7%
Cash From OA 1,664.00
1,910.00
1,347.00
1,158.00
1,140.00
growth rate 14.8% -29.5% -14.0% -1.6%
FCF per Share 4.38
3.49
4.39
3.35
2.93
growth rate -20.3% 25.8% -23.7% -12.5%
Sale Purchase of Stock -945.00
-755.00
-440.00
growth rate 0.0% 0.0%
FCF 2,636.00
2,000.00
1,664.00
1,910.00
1,357.00
1,157.00
1,140.00
growth rate -24.1% -16.8% 14.8% -29.0% -14.7% -1.5%
Income Statement Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 2,927.00
2,521.00
2,094.00
1,785.00
1,553.00
growth rate -13.9% -16.9% -14.8% -13.0%
Op.Income 1,931.00
1,591.00
1,114.00
796.00
538.00
growth rate -17.6% -30.0% -28.6% -32.4%
IBT 1,818.00
1,580.00
1,108.00
764.00
528.00
growth rate -13.1% -29.9% -31.1% -30.9%
Net Income 1,137.00
984.00
681.00
292.00
395.00
growth rate -13.5% -30.8% -57.1% 35.3%
EPS 2.17
3.31
2.66
2.58
2.12
1.04
1.49
growth rate 52.5% -19.6% -3.0% -17.8% -50.9% 43.3%
Gross Profit 2,927.00
2,521.00
2,094.00
1,785.00
1,553.00
growth rate -13.9% -16.9% -14.8% -13.0%

Quarterly Statements

Item Name Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Earnings BIT
growth rate
Balance Sheet Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Acct.Receivable 99,011.00
96,932.00
94,385.00
91,892.00
90,212.00
growth rate -2.1% -2.6% -2.6% -1.8%
Cur.Assets 104,401.00
102,539.00
98,950.00
96,696.00
94,904.00
growth rate -1.8% -3.5% -2.3% -1.9%
Total Assets 106,493.00
104,176.00
100,579.00
98,320.00
96,553.00
growth rate -2.2% -3.5% -2.3% -1.8%
Cash 2,143.00
1,286.00
1,206.00
1,746.00
1,583.00
growth rate -40.0% -6.2% 44.8% -9.3%
Cur.Liabilities 5,762.00
6,201.00
8,256.00
7,484.00
7,833.00
growth rate 7.6% 33.1% -9.4% 4.7%
Liabilities 102,738.00
100,629.00
97,136.00
95,008.00
93,301.00
growth rate -2.1% -3.5% -2.2% -1.8%
LT Debt 96,089.00
93,519.00
88,140.00
86,776.00
84,769.00
growth rate -2.7% -5.8% -1.6% -2.3%
Equity 3,724.00
3,519.00
3,430.00
3,301.00
3,240.00
growth rate -5.5% -2.5% -3.8% -1.9%
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 Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Cash Dividends 41.00
40.00
39.00
37.00
36.00
growth rate -2.4% -2.5% -5.1% -2.7%
Cash From OA 173.00
485.00
188.00
334.00
309.00
growth rate 180.4% -61.2% 77.7% -7.5%
Sale Purchase of Stock
growth rate
Income Statement Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Sales 427.00
343.00
413.00
403.00
444.00
growth rate -19.7% 20.4% -2.4% 10.2%
Op.Income 165.00
82.00
150.00
151.00
187.00
growth rate -50.3% 82.9% 0.7% 23.8%
IBT 147.00
107.00
164.00
194.00
185.00
growth rate -27.2% 53.3% 18.3% -4.6%
Net Income 114.00
72.00
128.00
153.00
145.00
growth rate -36.8% 77.8% 19.5% -5.2%
Gross Profit 427.00
343.00
413.00
403.00
444.00
growth rate -19.7% 20.4% -2.4% 10.2%

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 6.10 6.05
EPS / Growth 2.05

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 0.01 1.01 1.01
Future EPS 2.26 2.26 2.26
Value Price
MOS %
0.01
-100.0%
0.56
-95.5%
0.56
-95.5%
MOS Price 0.00 0.28 0.28
IRT 5.85 5.85 5.85

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

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.