Navient Corporation Financial Ratios — NAVI 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 (%)	- -	103.82	51.16	47.47	25.64	9.89	12.68	17.33	11.77	19.7	15.29	4.99	2.8	-1.73
Return on Assets (%)	- -	1.78	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 (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
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 (%)	- -	82.58	39.9	35.88	18.07	3.93	7.35	13.06	8.25	16.76	13.13	3.28	1.31	-3.09

Credit (USD)

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	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	- -	1.69	1.18	1.8	2.39	2.62	3.09	3.86	3.82	4.89	6.35	7.56	9.08	9.36
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 (%)	- -	86.18	86.69	84.46	86.05	87.21	88.8	87.96	89.74	91.01	87.82	85.81	83.48	82.25
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 (%)	- -	97.85	98.77	98.12	97.52	97.29	96.82	95.99	96.1	95.07	93.68	92.51	91.06	90.84
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 (%)	- -	97.77	98.76	98.1	97.5	97.25	96.78	95.93	96.04	95.01	93.54	92.4	90.94	90.72
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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	- -	1.69	1.18	1.8	2.39	2.62	3.09	3.86	3.82	4.89	6.35	7.56	9.08	9.36
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 (%)	- -	86.18	86.69	84.46	86.05	87.21	88.8	87.96	89.74	91.01	87.82	85.81	83.48	82.25
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 (%)	- -	97.85	98.77	98.12	97.52	97.29	96.82	95.99	96.1	95.07	93.68	92.51	91.06	90.84
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	- -	0.05	0.08	0.07	0.08	0.08	0.08	0.1	0.09	0.12	0.14	0.15	0.16	0.16

Working Capital (USD)

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	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	- -	2.64	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	- -	138.41	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)

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	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	- -	- -	9,015	4,292	5,204	3,669	2,289	3,153	1,891	3,597	2,337	2,270	1,451	1,284
- 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	- -	143,631	146,129	130,223	118,878	111,262	100,024	89,976	83,152	78,881	67,397	58,730	48,635	45,815
Total Capital	- -	151,623	140,291	129,948	117,824	112,121	102,243	91,724	85,779	80,132	71,089	61,941	52,607	49,724
Total Debt/Capital (%)	- -	97.85	98.77	98.12	97.52	97.29	96.82	95.99	96.1	95.07	93.68	92.51	91.06	90.84
Total Debt / EV	- -	1.03	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	- -	35.81	40.89	41.98	47.12	50.32	52.01	45.08	49.26	35.68	38.8	45.92	50.61	75.11
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	71.82	87.82	68.18	88.25	96.08	87.74	88.3	84.25	112.37	220.97	86.88	105.96	103.89
EV/Free Cash Flow to Firm	- -	71.82	87.82	68.18	88.25	96.08	87.74	88.3	84.25	112.37	220.97	86.88	105.96	103.89
Diluted Market Cap	- -	- -	9,184	4,374	5,290	3,743	2,326	3,187	1,915	3,650	2,369	2,290	1,475	1,287
Diluted Enterprise Value	- -	143,740	146,304	130,310	118,967	111,338	100,061	90,010	83,176	78,934	67,429	58,750	48,659	45,818
EV per Share	- -	326.43	350.3	347.43	375.31	403.9	384.9	390.35	431.9	465.36	474.39	481.69	445.51	463.88
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	441
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	441

Multiples (USD)

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	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	- -	- -	5.52	2.29	3.93	3.23	2.04	3.13	1.94	5.2	7.77	3.39	3.21	2.92
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	143,631	146,129	130,223	118,878	111,262	100,024	89,976	83,152	78,881	67,397	58,730	48,635	45,815
Low Price	- -	- -	15	10.62	8.2	11.48	8.23	8.64	4.07	9.87	12.45	14.1	12.78	10.53
EV/Sales	- -	35.81	40.89	41.98	47.12	50.32	52.01	45.08	49.26	35.68	38.8	45.92	50.61	75.11
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	7.97	4.36	7.64	12.57	5.8	5.28	4.59	5.02	3.62	9.96	11.08	- -
Price/Earnings Average	- -	- -	6.7	6.36	6.13	13.59	8.59	4.96	4.33	4.22	3.58	9.27	13.04	-16.21
Price/Earnings High	- -	- -	8.38	8.54	8.35	16.08	9.89	6.05	7.24	5.63	4.98	10.53	15.62	-19.84
Price/Earnings Low	- -	- -	5.53	4.05	3.81	10.83	5.41	3.34	1.9	2.33	2.74	7.54	10.65	-13
Price/Book Value	- -	- -	5.22	1.77	1.8	1.22	0.71	0.86	0.57	0.91	0.52	0.49	0.31	0.28
Price/Book Value Average	- -	- -	4.38	2.59	1.44	1.32	1.05	0.81	0.53	0.77	0.51	0.46	0.36	0.28
Price/Book Value High	- -	- -	5.48	3.47	1.96	1.56	1.21	0.98	0.89	1.02	0.71	0.52	0.44	0.35
Price/Book Value Low	- -	- -	3.62	1.65	0.9	1.05	0.66	0.54	0.23	0.42	0.39	0.37	0.3	0.23
Price/Tangible Book Value	- -	- -	2.35	1.33	1.7	1.37	0.83	1.22	1.1	1.91	1.03	1.1	0.66	0.65
Price/Tangible Book Value Average	- -	- -	1.98	1.94	1.37	1.48	1.23	1.14	1.04	1.61	1.02	1.02	0.78	0.66
Price/Tangible Book Value High	- -	- -	2.47	2.6	1.86	1.76	1.41	1.39	1.74	2.14	1.41	1.16	0.93	0.81
Price/Tangible Book Value Low	- -	- -	1.63	1.23	0.85	1.18	0.77	0.77	0.46	0.89	0.78	0.83	0.63	0.53
Price/Sales	- -	- -	2.52	1.38	2.06	1.66	1.19	1.58	1.12	1.63	1.35	1.78	1.51	2.1
Price/Sales Average	- -	- -	2.12	2.02	1.65	1.79	1.76	1.48	1.06	1.37	1.33	1.65	1.78	2.13
Price/Sales High	- -	- -	2.65	2.71	2.25	2.12	2.03	1.81	1.77	1.82	1.85	1.88	2.13	2.6
Price/Sales Low	- -	- -	1.75	1.28	1.03	1.43	1.11	1	0.46	0.76	1.02	1.34	1.45	1.7
Price/Cash Flow	- -	- -	5.42	2.25	3.86	3.17	2.01	3.09	1.92	5.12	7.66	3.36	3.16	2.91
Price/Cash Flow Average	- -	- -	4.55	3.28	3.1	3.43	2.98	2.9	1.81	4.31	7.56	3.13	3.72	2.94
Price/Cash Flow High	- -	- -	5.69	4.4	4.22	4.06	3.43	3.54	3.02	5.75	10.52	3.55	4.46	3.6
Price/Cash Flow Low	- -	- -	3.76	2.08	1.93	2.73	1.88	1.95	0.79	2.38	5.8	2.54	3.04	2.36
Price/Free Cash Flow Average	- -	- -	4.64	3.34	3.15	3.5	3.02	2.93	1.83	4.38	7.67	3.15	3.78	2.95
Price/Free Cash Flow High	- -	- -	5.8	4.48	4.29	4.14	3.48	3.58	3.06	5.83	10.67	3.58	4.53	3.61
Price/Free Cash Flow Low	- -	- -	3.83	2.12	1.96	2.79	1.91	1.98	0.8	2.42	5.88	2.57	3.09	2.36
EV/Sales Average	- -	35.84	40.49	42.62	46.71	50.46	52.59	44.98	49.2	35.42	38.78	45.8	50.88	75.13
EV/Sales High	- -	35.84	41.02	43.31	47.31	50.79	52.86	45.31	49.91	35.87	39.3	46.02	51.23	75.6
EV/Sales Low	- -	35.84	40.12	41.88	46.09	50.09	51.94	44.5	48.6	34.81	38.47	45.49	50.55	74.71
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	21.61	11.45	16.43	13.32	8.81	13.68	9.82	21.22	16.45	18.62	13.29	13
High Price	- -	- -	22.71	22.41	17.95	17.05	15.03	15.67	15.5	23.8	22.59	19.69	18.74	16.07
Enterprise Value Average	- -	143,740	144,697	132,193	117,850	111,563	101,127	89,781	83,043	78,311	67,367	58,574	48,892	45,828
Enterprise Value High	- -	143,740	146,594	134,336	119,363	112,292	101,641	90,435	84,245	79,318	68,269	58,861	49,230	46,118
Enterprise Value Low	- -	143,740	143,377	129,917	116,274	110,757	99,874	88,815	82,045	76,957	66,829	58,179	48,579	45,571

Shares Outstanding	- -	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	- -	12.04	3.47	4.27	3.97	5.52	4.95	5.35	6.14	5.34	10.8	6.88	6.61	6.45
Book Value per Share	- -	6.12	4.14	6.45	9.14	10.92	12.4	15.91	17.32	23.26	31.63	38.07	43.06	46.13
Tangible Book Value per Share	- -	10.58	9.18	8.61	9.64	9.71	10.62	11.25	8.89	11.11	15.99	16.94	20.19	19.9

Navient Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)