Navient Corporation Financial Ratios — 10D Stock

Profitability (USD)

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	24.4	24.28	17.9	8.16	11.33	17.42	14.28	28.51	23.14	7.95	4.85	-3.17
Return on Assets (%)	- -	- -	0.74	0.7	0.53	0.25	0.36	0.6	0.45	0.85	0.85	0.35	0.23	-0.16
Return on Capital (%)	- -	- -	0.77	0.72	0.54	0.25	0.37	0.62	0.47	0.88	0.87	0.35	0.24	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	43.45	52.03	50.87	50.93	43.92	34.55	27.46	38.23	31.52	42.33	47.61	24.47	18.11	-18.2
Profit Margin (%)	28.39	35.35	31.81	31.72	26.99	13.21	20.54	29.91	24.41	32.43	37.13	17.83	13.63	-13.11
Net Income to Common Margin (%)	27.79	34.85	31.65	31.72	26.99	13.21	20.54	29.91	24.41	32.43	37.13	17.83	13.63	-13.11
Effective Tax Rate (%)	34.66	37.18	37.46	37.78	38.54	61.78	25.19	21.76	22.56	23.4	22.01	27.16	24.71	- -
Dvd Payout Ratio (%)	25.85	20.47	22.02	24.42	29.52	60.27	42.03	24.62	29.85	14.92	14.11	34.21	53.44	-78.75
Sustainable Growth Rate (%)	- -	- -	19.03	18.35	12.62	3.24	6.57	13.13	10.02	24.25	19.88	5.23	2.26	-5.67

Credit (USD)

Credit Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	148,360	138,563	127,506	114,906	109,082	98,993	88,043	82,430	76,178	66,595	57,299	47,906	45,168
ST Debt	- -	17,693	16,948	17,746	13,513	11,298	8,199	7,365	5,451	3,249	4,164	4,145	3,988	4,270
LT Debt	- -	130,667	121,615	109,760	101,393	97,784	90,794	80,678	76,979	72,929	62,431	53,154	43,918	40,898
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	3.18	2.87	2.92	3.05	3	3.38	3.52	2.78	3.22	4.21	4.5	5.1	4.93
Long-Term Debt/Equity (%)	- -	2,315.97	2,896.97	2,790.74	2,723.42	2,805.85	2,559.74	2,409.02	3,145.85	2,796.36	2,097.11	1,925.87	1,662.93	1,704.79
Long-Term Debt/Capital (%)	- -	84.85	85.19	83.51	85.47	86.87	88.54	88.28	90.69	92.57	89.74	88.5	86.89	85.98
Long-Term Debt/Total Assets (%)	- -	81.9	83.1	81.88	83.7	85.04	87.15	85.01	88.06	90.48	88.19	86.61	84.8	84.01
Total Debt/Equity (%)	- -	2,629.56	3,300.69	3,241.95	3,086.38	3,130.04	2,790.89	2,628.93	3,368.61	2,920.94	2,236.98	2,076.05	1,813.93	1,882.78
Total Debt/Capital (%)	- -	96.34	97.06	97.01	96.86	96.9	96.54	96.34	97.12	96.69	95.72	95.4	94.78	94.96
Total Debt/Total Assets (%)	- -	92.99	94.68	95.12	94.86	94.86	95.02	92.77	94.3	94.51	94.07	93.36	92.5	92.78
Net Debt to Equity	- -	2,537.58	3,266.32	3,201.42	3,052.73	3,086.48	2,754.64	2,592.12	3,320.27	2,886.23	2,185.42	2,045.65	1,786.6	1,856.23
Net Debt/Capital (%)	- -	96.21	97.03	96.97	96.83	96.86	96.5	96.29	97.08	96.65	95.62	95.34	94.7	94.89
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	3.18	2.87	2.92	3.05	3	3.38	3.52	2.78	3.22	4.21	4.5	5.1	4.93
Long-Term Debt/Equity (%)	- -	2,315.97	2,896.97	2,790.74	2,723.42	2,805.85	2,559.74	2,409.02	3,145.85	2,796.36	2,097.11	1,925.87	1,662.93	1,704.79
Long-Term Debt/Capital (%)	- -	84.85	85.19	83.51	85.47	86.87	88.54	88.28	90.69	92.57	89.74	88.5	86.89	85.98
Long-Term Debt/Total Assets (%)	- -	81.9	83.1	81.88	83.7	85.04	87.15	85.01	88.06	90.48	88.19	86.61	84.8	84.01
Total Debt/Equity (%)	- -	2,629.56	3,300.69	3,241.95	3,086.38	3,130.04	2,790.89	2,628.93	3,368.61	2,920.94	2,236.98	2,076.05	1,813.93	1,882.78
Total Debt/Capital (%)	- -	96.34	97.06	97.01	96.86	96.9	96.54	96.34	97.12	96.69	95.72	95.4	94.78	94.96
Total Debt/Total Assets (%)	- -	92.99	94.68	95.12	94.86	94.86	95.02	92.77	94.3	94.51	94.07	93.36	92.5	92.78
CFO/Total Liabilities	- -	1.3	1.17	1.47	1.15	1.04	1.13	1.11	1.16	0.9	0.45	1.15	0.93	0.95
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	1.32	1.43	1.35	1.15	0.92	0.96	0.82	1.08	0.84	0.6	0.48	0.35
Days Sales Outstanding	- -	- -	276.81	255.63	269.37	316.22	395.46	380.82	445.65	337.68	436.45	612.99	752.79	1,032.77
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	8,750	3,975	4,738	3,502	2,146	2,938	1,811	3,276	2,163	2,135	1,319	1,225
- Cash & Cash Equivalents	- -	5,190	1,443	1,594	1,253	1,518	1,286	1,233	1,183	905	1,535	839	722	637
+ Preferred Equity and Hybrid Capital	- -	565	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	5	- -	24	24	31	28	13	14	11	- -	- -	- -	- -
+ Total Debt	- -	148,360	138,563	127,506	114,906	109,082	98,993	88,043	82,430	76,178	66,595	57,299	47,906	45,168
Enterprise Value	- -	- -	145,864	129,906	118,412	111,095	99,881	89,761	83,072	78,560	67,223	58,595	48,503	45,756
Total Capital	- -	154,002	142,761	131,439	118,629	112,567	102,540	91,392	84,877	78,786	69,572	60,059	50,547	47,567
Total Debt/Capital (%)	- -	96.34	97.06	97.01	96.86	96.9	96.54	96.34	97.12	96.69	95.72	95.4	94.78	94.96
Total Debt / EV	- -	- -	0.95	0.98	0.97	0.98	0.99	0.98	0.99	0.97	0.99	0.98	0.99	0.99
EV/Sales	- -	- -	40.81	41.88	46.93	50.25	51.94	44.97	49.21	35.53	38.7	45.81	50.47	75.01
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	87.66	68.01	87.91	95.94	87.61	88.09	84.17	111.91	220.4	86.68	105.67	- -
EV/Free Cash Flow to Firm	- -	- -	87.66	68.01	87.91	95.94	87.61	88.09	84.17	111.91	220.4	86.68	105.67	- -
Diluted Market Cap	- -	- -	9,250	4,351	5,243	3,742	2,293	3,184	1,889	3,659	2,396	2,314	1,421	1,268
Diluted Enterprise Value	- -	- -	146,364	130,282	118,917	111,335	100,028	90,007	83,150	78,943	67,456	58,774	48,605	45,799
EV per Share	- -	- -	362.85	372.22	406.91	422.42	404.38	417.49	444.24	510.13	517.1	516.24	470.79	478.25
TTM Sales	3,307	4,011	3,574	3,102	2,523	2,211	1,923	1,996	1,688	2,211	1,737	1,279	961	610
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2,636	2,000	1,664	1,910	1,347	1,158	1,140	1,019	987	702	305	676	459	- -
TTM Free Cash Flow to Firm	2,636	2,000	1,664	1,910	1,347	1,158	1,140	1,019	987	702	305	676	459	- -

Multiples (USD)

Valuation Multiples API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	5.56	2.28	3.89	3.23	2.01	3.12	1.91	5.21	7.85	3.42	3.1	2.88
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	145,864	129,906	118,412	111,095	99,881	89,761	83,072	78,560	67,223	58,595	48,503	45,756
Low Price	- -	- -	15.57	10.88	8.26	11.51	8.53	8.46	4.73	9.74	12.55	14.21	12.8	10.3
EV/Sales	- -	- -	40.81	41.88	46.93	50.25	51.94	44.97	49.21	35.53	38.7	45.81	50.47	75.01
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	8.03	4.34	7.57	12.56	5.72	5.28	4.53	5.03	3.66	10.06	10.67	- -
Price/Earnings Average	- -	- -	6.75	6.33	6.03	13.41	8.56	4.92	4.31	4.2	3.58	9.28	13.08	- -
Price/Earnings High	- -	- -	8.34	8.53	8.26	15.82	9.73	5.79	7.22	5.62	4.92	10.48	15.53	- -
Price/Earnings Low	- -	- -	5.74	4.14	3.84	10.86	5.61	3.27	2.21	2.3	2.76	7.6	10.67	- -
Price/Book Value	- -	- -	2.08	1.02	1.28	1.01	0.61	0.88	0.74	1.26	0.73	0.77	0.5	0.51
Price/Book Value Average	- -	- -	1.75	1.48	1.02	1.08	0.91	0.82	0.71	1.05	0.71	0.71	0.61	0.52
Price/Book Value High	- -	- -	2.16	2	1.4	1.28	1.04	0.97	1.19	1.41	0.98	0.81	0.73	0.64
Price/Book Value Low	- -	- -	1.49	0.97	0.65	0.88	0.6	0.55	0.36	0.58	0.55	0.58	0.5	0.41
Price/Tangible Book Value	- -	- -	2.29	1.24	1.56	1.32	0.79	1.14	1.07	1.75	0.95	1.03	0.6	0.62
Price/Tangible Book Value Average	- -	- -	1.92	1.81	1.25	1.41	1.18	1.06	1.02	1.46	0.93	0.95	0.73	0.64
Price/Tangible Book Value High	- -	- -	2.37	2.44	1.71	1.67	1.34	1.25	1.7	1.96	1.28	1.08	0.87	0.78
Price/Tangible Book Value Low	- -	- -	1.63	1.19	0.79	1.14	0.77	0.71	0.52	0.8	0.72	0.78	0.6	0.5
Price/Sales	- -	- -	2.54	1.38	2.04	1.66	1.17	1.58	1.1	1.63	1.36	1.79	1.45	2.07
Price/Sales Average	- -	- -	2.14	2.01	1.63	1.77	1.76	1.47	1.05	1.36	1.33	1.65	1.78	2.13
Price/Sales High	- -	- -	2.64	2.7	2.23	2.09	2	1.73	1.76	1.82	1.83	1.87	2.12	2.58
Price/Sales Low	- -	- -	1.82	1.31	1.04	1.43	1.15	0.98	0.54	0.75	1.03	1.35	1.45	1.67
Price/Cash Flow	- -	- -	5.46	2.24	3.83	3.17	1.98	3.09	1.89	5.14	7.75	3.39	3.05	2.87
Price/Cash Flow Average	- -	- -	4.59	3.26	3.05	3.38	2.97	2.88	1.8	4.29	7.57	3.13	3.73	2.95
Price/Cash Flow High	- -	- -	5.67	4.39	4.18	3.99	3.37	3.39	3.01	5.74	10.41	3.54	4.43	3.57
Price/Cash Flow Low	- -	- -	3.9	2.13	1.94	2.74	1.94	1.91	0.92	2.35	5.85	2.56	3.05	2.31
Price/Free Cash Flow Average	- -	- -	4.67	3.33	3.1	3.45	3.01	2.91	1.82	4.35	7.67	3.16	3.8	2.95
Price/Free Cash Flow High	- -	- -	5.77	4.48	4.25	4.07	3.42	3.43	3.05	5.82	10.55	3.57	4.51	3.58
Price/Free Cash Flow Low	- -	- -	3.98	2.18	1.98	2.79	1.98	1.94	0.94	2.39	5.93	2.59	3.1	2.31
EV/Sales Average	- -	- -	40.42	42.47	46.55	50.35	52.5	44.87	49.16	35.29	38.67	45.68	50.78	75.07
EV/Sales High	- -	- -	40.91	43.12	47.1	50.66	52.72	45.11	49.85	35.71	39.13	45.88	51.1	75.5
EV/Sales Low	- -	- -	40.12	41.82	46.01	50.03	51.92	44.41	48.66	34.73	38.39	45.41	50.47	74.62
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	21.77	11.39	16.28	13.32	8.69	13.67	9.69	21.28	16.64	18.81	12.8	12.81
High Price	- -	- -	22.6	22.39	17.77	16.77	14.79	15	15.44	23.77	22.36	19.6	18.64	15.95
Enterprise Value Average	- -	- -	144,472	131,735	117,446	111,332	100,950	89,561	82,987	78,019	67,173	58,430	48,801	45,790
Enterprise Value High	- -	- -	146,199	133,744	118,845	112,003	101,387	90,048	84,149	78,944	67,966	58,685	49,105	46,057
Enterprise Value Low	- -	- -	143,373	129,728	116,078	110,620	99,842	88,643	82,146	76,783	66,692	58,073	48,503	45,516

Shares Outstanding	453	423	402	349	291	263	247	215	187	154	130	114	103	96
Diluted Weighted Avg Shares	483	449	425	382	322	281	264	233	195	172	144	123	111	99
Basic Weighted Avg Shares	476	440	417	375	317	275	260	231	193	170	142	122	109	99
Revenue per Share	6.95	9.12	8.57	8.28	7.97	8.03	7.4	8.66	8.77	13.04	12.23	10.49	8.8	6.18
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.93	3.18	2.71	2.63	2.15	1.06	1.52	2.59	2.14	4.23	4.54	1.87	1.2	-0.81
Basic EPS from Cont Ops	1.97	2.98	2.73	2.62	2.15	1.06	1.52	2.59	2.14	4.23	4.54	1.87	1.2	-0.81
Diluted EPS, GAAP	1.9	3.11	2.66	2.58	2.11	1.04	1.5	2.56	2.11	4.17	4.48	1.85	1.18	-0.81
Diluted EPS from Cont Ops	1.94	2.92	2.68	2.57	2.11	1.04	1.5	2.56	2.11	4.17	4.48	1.85	1.18	-0.81
Dividend per Share	0.54	0.65	0.61	0.64	0.63	0.64	0.64	0.64	0.64	0.63	0.64	0.64	0.64	0.64
Cash Flow per Share	5.54	4.55	3.99	5.1	4.25	4.2	4.39	4.42	5.13	4.14	2.15	5.54	4.2	4.47
Free Cash Flow per Basic Share	5.54	4.55	3.99	5.1	4.25	4.2	4.39	4.42	5.13	4.14	2.15	5.54	4.2	4.47
Cash & Equivalents per Share	- -	12.53	3.6	4.58	4.32	5.78	5.21	5.73	6.33	5.88	11.81	7.39	7.01	6.66
Book Value per Share	- -	12	10.44	11.2	12.71	13.13	14.25	15.52	13.01	16.86	22.9	24.32	25.63	25.07
Tangible Book Value per Share	- -	10.99	9.52	9.18	10.41	10.05	11.06	12	9.08	12.16	17.48	18.19	21.39	20.54

Navient Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)