Navient Corp

Financial Services · Credit Services

9.20$ +0.9% vs. previous close Closing price · As of: Oct 2, 2026

Statements

Ratios

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Last 12 Full history

Download as CSV

Valuation ratios (P/E, P/S, EV/EBITDA and the other multiples) are based on the closing price at the end of each period, not on the current price. Margins and returns are shown in percent, multiples without a unit, per-share figures in the reporting currency, net debt in millions.

Tick rows to compare them in a chart (up to 4)

Ratios NAVI
Line item	Q3 16	Q4 16	Q1 17	Q2 17	Q3 17	Q4 17	Q1 18	Q2 18	Q3 18	Q4 18	Q1 19	Q2 19	Q3 19	Q4 19	Q1 20	Q2 20	Q3 20	Q4 20	Q1 21	Q2 21	Q3 21	Q4 21	Q1 22	Q2 22	Q3 22	Q4 22	Q1 23	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Valuation
P/E (price/earnings)	5.6	7.2	7.4	8.3	7.9	12.0	10.7	11.6	14.9	5.7	7.2	7.0	5.9	5.1	4.2	4.1	4.1	4.5	3.0	3.6	3.6	4.5	4.3	3.4	3.9	3.4	4.2	6.0	5.8	10.0	10.4	10.2	21.3	11.1	22.9	41.9	–	–	–	–
P/S (price/sales)	0.9	1.0	0.9	1.0	0.8	0.7	0.7	0.6	0.6	0.4	0.5	0.6	0.5	0.6	0.3	0.3	0.4	0.5	0.7	0.9	0.9	0.9	0.8	0.6	0.6	0.6	0.5	0.5	0.4	0.5	0.4	0.3	0.4	0.3	0.3	0.4	0.4	0.3	0.3	0.3
P/B (price/book)	1.2	1.3	1.2	1.3	1.2	1.0	1.0	0.9	1.0	0.6	0.8	1.0	0.9	0.9	0.7	0.6	0.7	0.8	1.0	1.3	1.2	1.3	0.9	0.7	0.7	0.7	0.7	0.8	0.7	0.8	0.7	0.6	0.6	0.5	0.5	0.6	0.5	0.5	0.3	0.3
EV/Revenue	26.7	26.2	25.3	25.8	24.6	23.0	20.2	19.0	18.4	17.9	17.9	17.7	17.5	17.6	18.3	19.4	20.8	22.7	21.8	21.8	22.5	22.9	22.6	21.9	19.8	17.4	15.4	13.9	12.7	12.3	11.2	11.4	11.3	11.7	12.5	13.2	13.8	14.5	14.8	14.5
EV/EBITDA	100.4	113.2	124.4	133.2	144.4	151.2	133.2	138.6	161.2	170.8	63.4	59.7	56.9	53.2	181.3	184.2	156.0	151.3	70.3	64.7	66.9	85.8	97.7	93.3	100.0	80.6	100.1	128.6	131.8	189.4	210.3	256.1	445.6	283.9	600.0	920.7	–	90.2	85.2	39.4
Price/Free Cash Flow	1.1	3.6	3.2	3.9	3.6	3.0	3.3	3.5	4.0	2.0	2.7	2.8	2.2	3.0	1.2	1.3	1.6	1.9	3.7	4.7	4.7	4.6	6.3	5.2	7.8	7.2	3.7	4.5	3.6	3.4	2.8	1.8	2.2	3.2	3.7	7.3	4.7	2.5	2.4	2.4
FCF yield	93.9%	27.6%	31.3%	25.5%	28.2%	33.1%	30.8%	28.9%	25.2%	50.4%	36.4%	36.2%	45.1%	33.7%	84.5%	80.0%	60.9%	53.6%	27.0%	21.3%	21.4%	21.5%	15.9%	19.4%	12.8%	13.8%	26.9%	22.3%	27.5%	29.8%	35.9%	54.6%	45.2%	31.7%	27.1%	13.7%	21.1%	40.7%	41.0%	41.7%
Margins
Gross margin	45.1%	42.2%	39.5%	38.2%	35.8%	34.4%	34.3%	32.0%	30.2%	27.8%	38.2%	39.4%	40.4%	43.6%	29.2%	31.6%	36.2%	41.1%	56.9%	61.8%	63.3%	64.4%	61.0%	59.2%	52.4%	43.2%	34.9%	28.8%	26.9%	23.9%	22.6%	22.0%	18.6%	20.1%	17.9%	16.2%	13.0%	28.5%	29.9%	49.4%
Operating margin	26.3%	22.3%	19.6%	18.6%	16.3%	14.7%	14.5%	13.1%	10.8%	9.5%	20.0%	21.5%	22.5%	25.0%	9.4%	9.7%	12.5%	14.2%	30.3%	33.0%	32.8%	26.5%	23.2%	23.5%	19.8%	21.5%	15.4%	10.8%	9.6%	6.5%	5.3%	4.5%	2.5%	4.1%	2.1%	1.4%	-2.3%	16.3%	17.6%	37.2%
Net margin	16.4%	13.7%	12.0%	11.5%	10.3%	5.6%	6.1%	5.4%	4.3%	7.1%	7.3%	8.6%	9.3%	11.3%	7.3%	7.4%	9.6%	11.0%	23.4%	25.7%	25.4%	20.3%	17.8%	17.8%	14.9%	16.8%	12.1%	8.5%	7.5%	4.7%	3.9%	3.4%	1.8%	3.1%	1.4%	0.9%	-1.5%	-2.5%	-2.0%	-1.7%
FCF margin	85.7%	27.3%	27.9%	24.3%	22.9%	22.3%	20.1%	18.2%	16.1%	20.4%	19.2%	21.6%	24.5%	19.3%	25.8%	24.0%	24.3%	26.4%	18.8%	19.7%	19.6%	19.9%	12.3%	11.9%	7.5%	7.9%	13.5%	11.4%	11.9%	14.0%	14.7%	19.0%	17.3%	10.8%	8.9%	5.4%	8.1%	13.8%	10.5%	11.6%
Returns
Return on equity (ROE)	22.2%	18.4%	16.1%	16.3%	14.8%	8.5%	9.1%	8.1%	6.4%	11.2%	11.6%	14.1%	15.4%	17.9%	17.9%	15.9%	17.7%	16.9%	32.6%	35.1%	33.5%	27.6%	21.3%	20.4%	17.8%	21.7%	16.9%	13.2%	12.5%	8.3%	6.9%	5.8%	2.9%	5.0%	2.2%	1.3%	-2.1%	-3.3%	-2.5%	-2.0%
Return on assets (ROA)	0.7%	0.6%	0.5%	0.5%	0.4%	0.3%	0.3%	0.3%	0.2%	0.4%	0.4%	0.5%	0.5%	0.6%	0.4%	0.4%	0.4%	0.5%	1.0%	1.1%	1.1%	0.9%	0.8%	0.8%	0.7%	0.9%	0.7%	0.6%	0.6%	0.4%	0.3%	0.3%	0.1%	0.3%	0.1%	0.1%	-0.1%	-0.2%	-0.1%	-0.1%
Balance Sheet & Debt
Net debt	129,480	125,176	120,221	124,163	120,082	115,478	105,287	101,567	98,953	97,655	94,439	93,185	91,154	90,039	89,664	86,862	84,440	82,762	79,861	77,065	77,360	77,375	73,919	71,371	68,311	64,456	61,871	60,804	59,061	57,198	52,262	52,156	48,219	47,943	47,313	46,451	45,813	45,109	44,561	41,812
Net debt/EBITDA	97.0	108.9	120.0	128.3	139.6	146.7	128.9	134.0	155.6	166.9	61.6	57.7	55.1	51.5	178.3	181.3	153.0	148.1	68.0	61.9	64.2	82.3	94.4	90.7	97.0	77.9	96.8	123.8	127.3	182.2	202.6	248.4	430.5	275.5	584.1	893.3	–	88.1	83.8	38.6
Equity ratio	3.0%	3.1%	3.1%	2.9%	3.0%	3.0%	3.2%	3.4%	3.5%	3.4%	3.4%	3.4%	3.4%	3.5%	2.2%	2.3%	2.5%	2.8%	3.2%	3.2%	3.3%	3.2%	3.6%	3.8%	4.0%	4.2%	4.4%	4.5%	4.6%	4.5%	4.7%	4.9%	5.0%	5.1%	5.1%	5.1%	4.9%	4.9%	5.0%	5.1%
Debt/equity	35.4	34.2	33.3	35.4	34.4	33.9	29.7	27.9	27.1	28.1	27.9	28.8	28.6	27.4	44.6	41.8	38.2	34.5	29.9	29.1	28.8	30.1	26.4	24.7	23.4	22.2	21.1	21.2	20.7	21.0	20.0	19.4	18.3	18.4	18.5	18.4	19.0	19.1	19.0	18.3
Per Share
Earnings per share (EPS)	2.60	2.27	1.99	2.02	1.91	1.11	1.23	1.12	0.91	1.54	1.61	1.96	2.18	2.71	1.82	1.72	2.05	2.19	4.79	5.38	5.47	4.66	3.93	4.06	3.75	4.81	3.85	3.10	2.98	1.87	1.67	1.43	0.73	1.20	0.55	0.34	-0.51	-0.95	-0.63	-0.51
Revenue per share	15.88	16.55	16.62	17.55	18.45	19.71	20.07	20.58	21.14	21.74	22.03	22.91	23.54	23.89	24.92	23.35	21.29	19.86	20.49	20.95	21.50	22.93	22.08	22.83	25.16	28.65	31.92	36.39	39.83	39.65	42.46	42.00	40.81	38.84	38.24	35.80	34.51	38.34	31.90	30.60
Book value per share	11.74	12.33	12.32	12.42	12.87	13.13	13.52	13.81	14.11	13.69	13.89	13.87	14.21	15.10	10.18	10.85	11.62	12.94	14.72	15.35	16.31	16.89	18.46	19.91	21.09	22.22	22.75	23.44	23.95	22.62	24.26	24.54	24.94	24.23	25.38	25.39	24.67	28.79	24.78	24.98
Free cash flow per share	13.61	4.52	4.64	4.27	4.22	4.40	4.03	3.75	3.40	4.43	4.23	4.96	5.77	4.61	6.42	5.60	5.18	5.25	3.85	4.12	4.22	4.57	2.71	2.71	1.89	2.28	4.30	4.15	4.74	5.54	6.25	7.97	7.05	4.21	3.41	1.93	2.78	5.29	3.36	3.54

Showing the most recent 40 periods — older statements are on file for this stock.

Data as of: October 2, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

Was this page helpful to you?

Ratios

Cookie settings