Navient (JSM) FCF Margin (2017 - 2026)
Navient (JSM) posted FCF Margin of 80.79% for Q2 2026, up 423.16% on a QoQ basis from 25.0% in Q1 2026, and up 1551.0% year-over-year from 4.89% in Q2 2025.
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Navient (JSM) FCF Margin (2017 - 2026) Analysis & Trends
Navient has reported FCF Margin for 10 years, with the latest figure at 80.79% in Q2 2026.
- On a quarterly basis, FCF Margin rose 1551.0% year-over-year to 80.79% in Q2 2026; TTM through Jun 2026 was 45.09%, a 2598.0% increase from a year earlier, with the FY2025 full-year figure at 55.75%, up 1591.0% from the prior year.
- FCF Margin was 80.79% for Q2 2026 at Navient, up from 25.0% in the prior quarter.
- The five-year high for FCF Margin was 139.64% in Q4 2023, with the low at 25.0% in Q1 2026.
- Average FCF Margin over 5 years is 44.54%, with a median of 33.35% recorded in 2025.
- The sharpest annual moves came in 2024 and 2025: FCF Margin sank 13605 bps in 2024, then soared 9641 bps in 2025.
- Over 5 years, FCF Margin stood at 62.35% in 2022, then soared by 124 bps to 139.64% in 2023, then tumbled by 97 bps to 3.59% in 2024, then jumped by 2687 bps to 100.0% in 2025, then declined by 19 bps to 80.79% in 2026.
- The last three FCF Margin figures came in at 80.79% (Q2 2026), 25.0% (Q1 2026), and 100.0% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 26.06 Bn | 9.87 Bn | - | 50.23% |
| 2 | Affirm Holdings | 24.16 Bn | 22.53 Bn | - | -1,112.06% |
| 3 | FirstCash Holdings | 9.90 Bn | 9.73 Bn | 533.67 Mn | 7.73% |
| 4 | Credit Acceptance | 6.25 Bn | 5.76 Bn | 569.30 Mn | 52.42% |
| 5 | Enova International | 5.63 Bn | 5.51 Bn | 568.07 Mn | 57.21% |
| 6 | Slm | 4.96 Bn | 160.79 Mn | - | -31.97% |
| 7 | Bread Financial Holdings | 4.32 Bn | -15.76 Bn | 957.00 Mn | 53.68% |
| 8 | StoneCo | 2.68 Bn | 1.06 Bn | 308.97 Mn | 51.85% |
| 9 | Ezcorp | 2.05 Bn | 1.73 Bn | 246.19 Mn | 7.85% |
| 10 | Navient | 1.71 Bn | 340.86 Mn | - | 80.79% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 80.79% |
| Mar 31, 2026 | -25.00% |
| Dec 31, 2025 | 100.00% |
| Sep 30, 2025 | 32.56% |
| Jun 30, 2025 | 65.28% |
| Mar 31, 2025 | 34.13% |
| Dec 31, 2024 | 3.59% |
| Sep 30, 2024 | -2.53% |
| Jun 30, 2024 | 112.96% |
| Mar 31, 2024 | 63.41% |
| Dec 31, 2023 | 139.64% |
| Sep 30, 2023 | 28.71% |
| Jun 30, 2023 | 32.25% |
| Mar 31, 2023 | 45.03% |
| Dec 31, 2022 | 62.35% |
| Sep 30, 2022 | 17.44% |
| Jun 30, 2022 | 30.55% |
| Mar 31, 2022 | -19.46% |
| Dec 31, 2021 | 35.07% |
| Sep 30, 2021 | 40.69% |