Navient (JSM) EBT Margin (2013 - 2026)
Navient (JSM) reported EBT Margin of 26.00% for Q2 2026, up 14.46 percentage points from 11.54% a year earlier and up 4.95 percentage points from the prior quarter.
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Analysis
Navient (JSM) EBT Margin (2013 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, Navient's EBT Margin came in at -8.83%, down 14.31 percentage points year-over-year; for FY2025, it was -18.20%, down 33.30 percentage points from FY2024.
- EBT Margin has declined for three consecutive years, with a five-year change of -49.83 percentage points (FY2020 to FY2025).
- By year, EBT Margin came in at 15.10% in FY2024 (-9.52 pp), 24.63% in FY2023 (-22.98 pp), 47.61% in FY2022 (+3.83 pp) and 43.78% in FY2021 (+12.15 pp).
- The Q2 2026 figure ranks as the highest quarterly EBT Margin since Q1 2024.
- Year over year, EBT Margin gained in three of the last eight quarters, with an average year-over-year change of -11.33 percentage points.
- The high point for year-over-year EBT Margin in five years was Q4 2022 (a gain of 36.22 percentage points); the low point was Q3 2025 (a drop of 75.70 percentage points).
- Per Business Quant data, the three quarters before Q2 2026 came in at 21.05% (Q1 2026), -5.11% (Q4 2025) and -72.67% (Q3 2025).
Peer Set
Peer Comparison
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 26.00% |
| Mar 31, 2026 | 21.05% |
| Dec 31, 2025 | -5.11% |
| Sep 30, 2025 | -72.67% |
| Jun 30, 2025 | 11.54% |
| Mar 31, 2025 | -3.21% |
| Dec 31, 2024 | 11.66% |
| Sep 30, 2024 | 3.03% |
| Jun 30, 2024 | 19.43% |
| Mar 31, 2024 | 30.66% |
| Dec 31, 2023 | -16.22% |
| Sep 30, 2023 | 26.07% |
| Jun 30, 2023 | 31.27% |
| Mar 31, 2023 | 44.72% |
| Dec 31, 2022 | 34.34% |
| Sep 30, 2022 | 35.13% |
| Jun 30, 2022 | 53.63% |
| Mar 31, 2022 | 59.29% |
| Dec 31, 2021 | -1.88% |
| Sep 30, 2021 | 44.53% |
API Access
Navient EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=JSM&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "JSM", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=JSM&period=max&api_key=YOUR_API_KEY");
const data = await res.json();