Navient (NAVI) Fundamental Analysis: Revenue, Earnings & Valuation

7.15 / 10

Outperform

NAVI's fundamental assessment is promising, rated Outperform with a 7.2/10 score. Key positives include a healthy net profit margin and gross profit margin, but challenges persist in Profit-MV and total assets turnover ratio. Historical quartile analysis shows mixed returns across metrics, suggesting stability rather than explosive growth. Overall, the company's financial health is adequate but not outstanding, warranting cautious optimism.

Analysis Checks(6/10)

Gross profit margin (%)

Value48.17

Score2/3

Weight2.23%

1M Return1.27%

Profit-MV

Value0.44

Score0/3

Weight-3.74%

1M Return-2.31%

Total profit (YoY growth rate %)

Value-163.79

Score0/3

Weight-4.13%

1M Return-3.00%

Net profit margin (%)

Value-1256.29

Score2/3

Weight4.84%

1M Return2.69%

Total profit / EBIT (%)

Value100.00

Score2/3

Weight5.68%

1M Return3.12%

Operating revenue (YoY growth rate %)

Value64.40

Score1/3

Weight6.31%

1M Return3.29%

Total assets turnover ratio

Value0.93

Score1/3

Weight5.97%

1M Return3.38%

EBIT / Total operating revenue (%)

Value-512.37

Score2/3

Weight4.79%

1M Return2.61%

Asset-MV

Value-0.50

Score3/3

Weight56.20%

1M Return16.94%

Cash-MV

Value0.14

Score3/3

Weight21.85%

1M Return9.88%

Is NAVI fundamentally strong?

NAVI scores 7.15/10 on fundamentals and holds a Discounted valuation at present. Backed by its -3.17% ROE, -13.11% net margin, -12.06 P/E ratio, 0.40 P/B ratio, and -167.50% earnings growth, these metrics solidify its Outperform investment rating.