$3.8 B

NAVI Mkt cap, 20-Sep-2018

$2.7 B

Navient Revenue Q2, 2018
Navient Gross profit (Q2, 2018)974 M
Navient Gross profit margin (Q2, 2018), %35.5%
Navient EBIT (Q2, 2018)626 M
Navient Cash, 30-Jun-20181.6 B
Navient EV105.6 B

Navient Revenue Breakdown

Embed Graph

Navient revenue breakdown by business segment: 19.8% from Business Services, 31.4% from Private Education Loans, 48.3% from FFELP Loans and 0.5% from Other

Navient Income Statement

Annual

USDFY, 2014FY, 2015FY, 2016

Revenue

5.6 b5.2 b5 b

Revenue growth, %

(8%)(4%)

Cost of goods sold

2.1 b2.1 b2.4 b

Gross profit

3.6 b3.1 b2.5 b

Gross profit Margin, %

63%60%51%

EBIT

2 b1.6 b1.3 b

EBIT margin, %

36%32%26%

Interest income

2.7 b2.2 b1.7 b

Pre tax profit

1.8 b1.6 b1.1 b

Income tax expense

688 m604 m427 m

Net Income

1.1 b997 m681 m

Quarterly

USDQ1, 2018Q2, 2018

Revenue

1.4 b2.7 b

Cost of goods sold

843 m1.8 b

Gross profit

540 m974 m

Gross profit Margin, %

39%35%

Sales and marketing expense

134 m259 m

Operating expense total

275 m476 m

EBIT

329 m626 m

EBIT margin, %

24%23%

Pre tax profit

162 m274 m

Income tax expense

36 m64 m

Navient Balance Sheet

Annual

USDFY, 2014FY, 2015FY, 2016FY, 2017

Cash

1.4 b1.6 b1.3 b1.5 b

Inventories

270 m

Total Assets

146.4 b134.1 b121.1 b115 b

Short-term debt

2.7 b2.6 b2.3 b4.8 b

Long-term debt

136.9 b124.8 b112.4 b105 b

Total Debt

139.5 b127.4 b114.7 b109.8 b

Total Liabilities

111.5 b

Additional Paid-in Capital

2.9 b3 b3 b3.1 b

Retained Earnings

1.7 b2.5 b2.9 b3 b

Total Equity

4.2 b4 b3.7 b3.5 b

Debt to Equity Ratio

33.2 x31.9 x30.8 x

Debt to Assets Ratio

1 x0.9 x0.9 x

Financial Leverage

34.9 x33.5 x32.5 x33 x

Quarterly

USDQ1, 2018Q2, 2018

Cash

2.4 b1.6 b

Inventories

356 m362 m

Total Assets

113.2 b108.9 b

Short-term debt

5.1 b4.8 b

Long-term debt

102.8 b98.7 b

Total Debt

107.9 b103.4 b

Total Liabilities

109.5 b105.2 b

Additional Paid-in Capital

3.1 b3.1 b

Retained Earnings

3.1 b3.1 b

Total Equity

3.7 b3.7 b

Financial Leverage

30.9 x29.1 x

Navient Cash Flow

Annual

USDFY, 2014FY, 2015FY, 2016FY, 2017

Net Income

1.1 b997 m681 m292 m

Accounts Receivable

(75 m)175 m(26 m)

Accounts Payable

(27 m)(42 m)(92 m)

Cash From Operating Activities

1.7 b1.9 b1.4 b

Cash From Investing Activities

(1.7 b)10.7 b11.4 b

Dividends Paid

(249 m)(240 m)(201 m)

Cash From Financing Activities

(3.8 b)(12.4 b)(13.1 b)

Interest Paid

2 b2 b2.3 b2.9 b

Income Taxes Paid

484 m88 m249 m157 m

Quarterly

USDQ1, 2018

Net Income

126 m

Accounts Payable

(33 m)

Interest Paid

798 m

Income Taxes Paid

2 m

Navient Ratios

USDY, 2018

EV/EBIT

168.8 x

Financial Leverage

29.1 x
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Navient Operating Metrics

Navient's Enterprise Customers was reported to be 1 k in Q2, 2017. Navient's Customers was reported to be 6 m in Q2, 2017.
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