Navient (JSM) Debt Ratio (2016 - 2026)
Navient (JSM) posted Debt Ratio of 1.03 for Q2 2026, down 3.34% on a QoQ basis from 1.06 in Q1 2026, and down 0.57% year-over-year from 1.03 in Q2 2025.
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Analysis
Navient (JSM) Debt Ratio (2016 - 2026) Analysis & Trends
Navient has reported Debt Ratio for 11 years, with the latest figure at 1.03 in Q2 2026.
- On a quarterly basis, Debt Ratio fell 0.57% year-over-year to 1.03 in Q2 2026; TTM through Jun 2026 was 1.03, a 0.57% decrease from a year earlier, with the FY2025 full-year figure at 1.04, up 1.06% from the prior year.
- Debt Ratio was 1.03 for Q2 2026 at Navient, down from 1.06 in the prior quarter.
- The five-year high for Debt Ratio was 1.06 in Q1 2026, with the low at 1.0 in Q1 2022.
- Average Debt Ratio over 5 years is 1.03, with a median of 1.03 recorded in 2024.
- The largest YoY upside for Debt Ratio was 4.25% in 2022 against a maximum downside of 2.06% in 2022.
- Over 5 years, Debt Ratio stood at 1.03 in 2022, then retreated by 1.95% to 1.01 in 2023, then grew by 2.41% to 1.03 in 2024, then rose by 1.06% to 1.04 in 2025, then declined by 1.59% to 1.03 in 2026.
- The last three Debt Ratio figures came in at 1.03 (Q2 2026), 1.06 (Q1 2026), and 1.04 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 26.06 Bn | 9.87 Bn | - | 0.13 |
| 2 | Affirm Holdings | 24.16 Bn | 22.53 Bn | - | 0.21 |
| 3 | FirstCash Holdings | 9.90 Bn | 9.73 Bn | 533.67 Mn | 0.43 |
| 4 | Credit Acceptance | 6.25 Bn | 5.76 Bn | 569.30 Mn | 0.58 |
| 5 | Enova International | 5.63 Bn | 5.51 Bn | 568.07 Mn | 0.69 |
| 6 | Slm | 4.96 Bn | 160.79 Mn | - | 0.20 |
| 7 | Bread Financial Holdings | 4.32 Bn | -15.76 Bn | 957.00 Mn | 0.15 |
| 8 | StoneCo | 2.68 Bn | 1.06 Bn | 308.97 Mn | - |
| 9 | Ezcorp | 2.05 Bn | 1.73 Bn | 246.19 Mn | 0.24 |
| 10 | Navient | 1.71 Bn | 340.86 Mn | - | 1.03 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.03 |
| Mar 31, 2026 | 1.06 |
| Dec 31, 2025 | 1.04 |
| Sep 30, 2025 | 1.04 |
| Jun 30, 2025 | 1.03 |
| Mar 31, 2025 | 1.03 |
| Dec 31, 2024 | 1.03 |
| Sep 30, 2024 | 1.03 |
| Jun 30, 2024 | 1.03 |
| Mar 31, 2024 | 1.01 |
| Dec 31, 2023 | 1.01 |
| Sep 30, 2023 | 1.01 |
| Jun 30, 2023 | 1.02 |
| Mar 31, 2023 | 1.03 |
| Dec 31, 2022 | 1.03 |
| Sep 30, 2022 | 1.02 |
| Jun 30, 2022 | 1.01 |
| Mar 31, 2022 | 1.00 |
| Dec 31, 2021 | 0.99 |
| Sep 30, 2021 | 0.99 |