Navient Corporation (NAVI) is a Financial - Credit Services company in the Financial Services sector, currently trading at $8.28. It has a SharesGrow Score of 49/100, indicating a mixed investment profile with 1 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of NAVI = $47.90 (+478.5% from the current price, the stock appears undervalued). Analyst consensus target is NAVI = $10 (+20.8% upside).
Valuation: NAVI trades at a trailing Price-to-Earnings (P/E) of -8.8 (S&P 500 average ~25).
Financials: revenue is $3.2B, +48.2%/yr average growth. Net income is $80M (loss), growing at -89.4%/yr. Net profit margin is -2.5% (negative). Gross margin is 87% (+41.4 pp trend).
Balance sheet: total debt is $45.7B against $2.4B equity (Debt-to-Equity (D/E) ratio 19.05, leveraged). Current ratio is 0.41 (tight liquidity). Debt-to-assets is 93.9%. Total assets: $48.7B.
Analyst outlook: 5 / 24 analysts rate NAVI as buy (21%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 86/100 (Pass), Growth 58/100 (Partial), Past 75/100 (Partial), Health 0/100 (Fail), Moat 68/100 (Partial), Future 46/100 (Partial), Income 10/100 (Fail).
