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Intrinsic value of Navient Corporation (NAVI)

Previous Close$15.82
Intrinsic Value
Upside potential
Previous Close
$15.82
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh27.01 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

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 through four segments: Federal Education Loans, Consumer Lending, Business Processing, and Other. 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 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 hospitals, hospital systems, medical centers, large physician groups, and other healthcare providers; and corporate liquidity portfolio and debt repurchase services. The company was founded in 1973 and is headquartered in Wilmington, Delaware.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %-4.9NaN
Revenue, $3514NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m2552NaN
Operating income, $m962NaN
EBITDA, $m992NaN
Interest expense (income), $mNaN
Earnings before tax, $m936NaN
Tax expense, $m219NaN
Net income, $m717NaN

BALANCE SHEET

Cash and short-term investments, $m3578NaN
Total assets, $m80605NaN
Adjusted assets (=assets-cash), $m77027NaN
Average production assets, $m836NaN
Working capital, $m73900NaN
Total debt, $m76978NaN
Total liabilities, $m78008NaN
Total equity, $m2597NaN
Debt-to-equity ratio29.641NaN
Adjusted equity ratio0.094NaN

CASH FLOW

Net income, $m717NaN
Depreciation, amort., depletion, $m30NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m702NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-2NaN
Free cash flow, $m704NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m73900
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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