4 Undervalued Consumer Finance Stocks for Wednesday, October 07
Discover the top 4 undervalued Consumer Finance stocks for Wednesday, October 07 based on AAII’s Stock Grades.Rosalio Madrigal
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COMPANY SUMMARY
Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand. It also owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.
Commentary & Analysis
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Financial Summary
| Share Statistics | NAVI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $847.8 | $847.8 | 44% |
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| Shares Out (Mil) | 95.0 | 37.8 | 61% |
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| Institutional Ownership | 98.0% | 78.3% | 76% |
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| Float (Mil) | 62.9 | 33.4 | 52% |
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| Beta | 1.19 | 1.02 | 70% |
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| Avg Daily Volume (000s) | 1,310 | 328 | 74% |
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| Price Change (52-week) |
(29.7%) | 75.0% | 30% |
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| Growth | NAVI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | (26.4%) | 9.3% | 1% |
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| Net Income (5yr) | (17.0%) | 15.8% | 23% |
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| EPS (5yr) | (19.0%) | 15.9% | 14 |
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| Dividends (5yr) | 0.0% | 0.0% | 72% |
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| Cash Flow (5yr) | 15.0% | (6.4%) | 73% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 7 | 7 | 7 | |
| Current EPS | $0.102 | $0.774 | $0.972 | |
| Month Ago EPS | $0.087 | $0.765 | $0.966 | |
| # Rev Up | 0 | 0 | 0 | |
| # Rev Down | 2 | 1 | 1 | |
| Three Months Ago EPS | $0.093 | $0.704 | $0.940 | |
| Year/Year Chg | (60.8%) | (195.6%) | (222.2%) | |
| Financials | NAVI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $334 | $1,268 | 37% |
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| Net Income (TTM) (Mil) | ($49) | $154 | 16% |
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| EPS (TTM) | ($0.513) | $1.300 | 27% |
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| Operating Cash Flow (TTM) (Mil) | $340 | $228 | 66% |
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| Net Cash Flow (TTM) (Mil) | $62 | $5 | 72% |
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| Long-Term Debt (Q1) (Mil) | $40,123 | $963 | 98% |
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| Enterprise Value (Q1) (Mil) | na | $1,233 | na |
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| Valuation | NAVI | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.35 | 1.17 | 6% |
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| P/E | na | 9.0 | na |
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| Dividend Yield | 7.1% | 0.0% | 97% |
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| PEG (5yr hist) | na | 0.4 | na |
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| Ratios | NAVI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 100.0% | 74.0% | 96% |
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| Net Margin | (14.7%) | 10.3% | 18% |
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| ROA | (0.1%) | 2.9% | 38% |
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| ROE | (2.0%) | 13.2% | 33% |
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| Liabilities to Assets | 94.9% | 77.4% | 92% |
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| F-Score | 4 | 5 | 33% |
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Navient Corporation did not pass any screens on 10/7/2026.
