Navient (JSM) EBT Margin (2013 - 2026)

Navient's EBT Margin history runs 14 years deep, the most recent figure standing at 19.88% for Q1 2026.

• On a quarterly basis, EBT Margin rose 2270.0% year-over-year to 19.88% in Q1 2026; TTM through Mar 2026 was 5.37%, a 866.0% decrease from a year earlier, with the FY2025 full-year figure at 14.03%, down 2914.0% from the prior year.
• EBT Margin climbed to 19.88% in Q1 2026 per JSM's latest filing, from 3.5% in the prior quarter.
• Across five years, EBT Margin topped out at 60.47% in Q1 2022 and bottomed at 17.82% in Q4 2023.
• The 5-year median for EBT Margin is 19.88% (2026), against an average of 20.07%.
• Across the five-year window, EBT Margin soared 4039 bps in 2022 and tumbled 5532 bps in 2023, its largest moves.
• Year by year, EBT Margin stood at 37.5% in 2022, then sank by 148 bps to 17.82% in 2023, then surged by 116 bps to 2.9% in 2024, then slumped by 221 bps to 3.5% in 2025, then soared by 668 bps to 19.88% in 2026.
• Per Business Quant, the three latest JSM EBT Margin figures stand at 19.88% (Q1 2026), 3.5% (Q4 2025), and 14.18% (Q3 2025).