Navient (NAVI) | Financial Analysis & Statements

Navient Corporation | Small-cap | Financial Services

$15.57

5.06%

Navient vs Visa Navient vs Mastercard Navient vs Federal Agricultural Navient vs Federal Agricultural Navient vs OppFi Navient vs S&P 500 | Market

Overview Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

Financial Overview

Latest Annual: 2024

Income Metrics

Revenue 961.0M

Net Income 131.0M 13.63%

EPS (Diluted) $1.18

Balance Sheet Metrics

Total Assets 51.8B

Total Liabilities 49.1B

Shareholders Equity 2.6B

Debt to Equity 18.61

Cash Flow Metrics

Operating Cash Flow 366.0M

Free Cash Flow 459.0M

Revenue & Profitability Trend

Navient Income Statement From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Revenue	961.0M	1.3B	1.7B	2.2B	1.7B
Cost of Goods Sold	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	316.0M	401.0M	444.0M	569.0M	497.0M
Operating Income	-	-	-	-	-
Pre-tax Income	174.0M	313.0M	827.0M	936.0M	532.0M
Income Tax	43.0M	85.0M	182.0M	219.0M	120.0M
Net Income	131.0M	228.0M	645.0M	717.0M	412.0M
EPS (Diluted)	$1.18	$1.85	$4.49	$4.18	$2.12

Income Statement Trend

Navient Balance Sheet From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Assets
Current Assets	-	-	-	-	-
Non-Current Assets	-	-	-	-	-
Total Assets	51.8B	-	-	-	-
Liabilities
Current Liabilities	-	-	-	-	-
Non-Current Liabilities	-	-	-	-	-
Total Liabilities	49.1B	-	-	-	-
Equity
Total Shareholders Equity	2.6B	2.8B	3.0B	2.6B	2.4B

Balance Sheet Composition

Navient Cash Flow Statement From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Operating Activities
Net Income	131.0M	228.0M	645.0M	717.0M	412.0M
Operating Cash Flow	366.0M	388.0M	797.0M	1.2B	464.0M
Investing Activities
Capital Expenditures	-	-	-	-	-
Investing Cash Flow	353.0M	5.0M	96.0M	52.0M	-90.0M
Financing Activities
Dividends Paid	-70.0M	-78.0M	-91.0M	-107.0M	-123.0M
Financing Cash Flow	-9.6B	-10.0B	-9.7B	-9.5B	-9.6B
Free Cash Flow	459.0M	676.0M	305.0M	702.0M	987.0M

Cash Flow Trend

Navient Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 26.73

Forward P/E 9.39

Price to Book 0.54

Price to Sales 2.01

PEG Ratio 9.39

Profitability Ratios

Profit Margin 8.01%

Operating Margin -1.59%

Return on Equity 2.09%

Return on Assets 0.10%

Financial Health

Current Ratio 9.88

Debt to Equity 1,850.79

Beta 1.42

Per Share Data

EPS (TTM) $0.52

Book Value per Share $25.55

Revenue per Share $6.58

Peer Financial Comparison

Company	Market Cap	P/E Ratio	P/B Ratio	ROE	Profit Margin	Debt/Equity
navi	1.4B	26.73	0.54	2.09%	8.01%	1,850.79
Visa	679.7B	34.97	17.57	50.66%	52.86%	54.59
Mastercard	492.5B	37.98	73.98	187.70%	45.21%	280.80
Federal Agricultural	2.0B	11.95	1.89	13.51%	56.81%	1,962.02
Federal Agricultural	2.0B	8.12	1.29	13.51%	56.81%	1,962.02
OppFi	1.1B	34.89	14.42	43.36%	-3.16%	127.06

Financial data is updated regularly. All figures are in the company's reporting currency.