$2.6 B

NAVI Mkt cap, 12-Dec-2018

$1.4 B

Navient Revenue Q3, 2018
Navient Gross profit (Q3, 2018)511 M
Navient Gross profit margin (Q3, 2018), %35.3%
Navient EBIT (Q3, 2018)306 M
Navient Cash, 30-Sep-20182.1 B
Navient EV101.6 B

Navient Revenue Breakdown

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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, 2016FY, 2017

Revenue

5.6b5.2b5.0b5.2b

Revenue growth, %

(8%)(4%)

Cost of goods sold

2.1b2.1b2.4b3.0b

Gross profit

3.6b3.1b2.5b2.2b

Gross profit Margin, %

63%60%51%43%

Sales and marketing expense

519.0m

Operating expense total

966.0m

EBIT

2.0b1.6b1.3b1.4b

EBIT margin, %

36%32%26%27%

Interest income

2.7b2.2b1.7b

Pre tax profit

1.8b1.6b1.1b

Income tax expense

688.0m604.0m427.0m472.0m

Net Income

1.1b997.0m681.0m

Navient Balance Sheet

Annual

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

Cash

1.4b1.6b1.3b1.5b

Inventories

270.0m

Total Assets

146.4b134.1b121.1b115.0b

Short-term debt

2.7b2.6b2.3b4.8b

Long-term debt

136.9b124.8b112.4b105.0b

Total Debt

139.5b127.4b114.7b109.8b

Total Liabilities

111.5b

Additional Paid-in Capital

2.9b3.0b3.0b3.1b

Retained Earnings

1.7b2.5b2.9b3.0b

Total Equity

4.2b4.0b3.7b3.5b

Debt to Equity Ratio

33.2 x31.9 x30.8 x31.5 x

Debt to Assets Ratio

1 x0.9 x0.9 x1 x

Financial Leverage

34.9 x33.5 x32.5 x33 x

Navient Cash Flow

Annual

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

Net Income

1.1b997.0m681.0m292.0m

Accounts Receivable

(75.0m)175.0m(26.0m)

Accounts Payable

(27.0m)(42.0m)(92.0m)

Cash From Operating Activities

1.7b1.9b1.4b

Cash From Investing Activities

(1.7b)10.7b11.4b

Dividends Paid

(249.0m)(240.0m)(201.0m)

Cash From Financing Activities

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

Interest Paid

2.0b2.0b2.3b2.9b

Income Taxes Paid

484.0m88.0m249.0m157.0m

Navient Ratios

USDY, 2018

EV/EBIT

331.9 x

Debt/Equity

26.9 x

Debt/Assets

0.9 x

Financial Leverage

28.4 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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Navient Employee Rating

2.9225 votes
Culture & Values
3.1
Work/Life Balance
3.2
Senior Management
3.1
Salary & Benefits
3.4
Career Opportunities
3.0
Source