Discounted Cash Flow
Navient Corp.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $4.1b | $681.0m | $1.4b | 16.4% | $2.15 |
| 2017 | $4.4b (5.7%) | $292.0m (-57.1%) | $1.2b (-14.7%) | 6.7% (-59.4%) | $1.06 (-50.7%) |
| 2018 | $359.0m (-91.8%) | $395.0m (35.3%) | $1.1b (-1.5%) | 110.0% (1551.5%) | $1.52 (43.4%) |
| 2019 | $391.0m (8.9%) | $597.0m (51.1%) | $1.0b (-10.6%) | 152.7% (38.8%) | $2.59 (70.4%) |
| 2020 | $388.0m (-0.8%) | $412.0m (-31.0%) | $987.0m (-3.1%) | 106.2% (-30.5%) | $2.14 (-17.4%) |
| 2021 | $507.0m (30.7%) | $717.0m (74.0%) | $702.0m (-28.9%) | 141.4% (33.2%) | $4.23 (97.7%) |
| 2022 | $332.0m (-34.5%) | $645.0m (-10.0%) | $305.0m (-56.6%) | 194.3% (37.4%) | $4.54 (7.3%) |
| 2023 | $321.0m (-3.3%) | $228.0m (-64.7%) | $676.0m (121.6%) | 71.0% (-63.4%) | $1.87 (-58.8%) |
| 2024 | $271.0m (-15.6%) | $131.0m (-42.5%) | $459.0m (-32.1%) | 48.3% (-31.9%) | $1.20 (-35.8%) |
| 2025 | $519.0m (91.5%) | $-80.0m (-161.1%) | $441.0m (-3.9%) | -15.4% (-131.9%) | $-0.81 (-167.5%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.