Navient (JSM) FCF Payout Ratio (2017 - 2026)
Navient (JSM) posted FCF Payout Ratio of 0.1 for Q2 2026, up 132.87% on a QoQ basis from 0.32 in Q1 2026, and down 17.4% year-over-year from 0.13 in Q2 2025.
Analysis
Navient (JSM) FCF Payout Ratio (2017 - 2026) Analysis & Trends
Navient has reported FCF Payout Ratio for 10 years, with the latest figure at 0.1 in Q2 2026.
- On a quarterly basis, FCF Payout Ratio fell 17.4% year-over-year to 0.1 in Q2 2026; TTM through Jun 2026 was 0.18, a 47.78% decrease from a year earlier, with the FY2025 full-year figure at 0.14, down 6.33% from the prior year.
- FCF Payout Ratio was 0.1 for Q2 2026 at Navient, up from 0.32 in the prior quarter.
- The five-year high for FCF Payout Ratio was 2.12 in Q4 2024, with the low at 1.8 in Q3 2024.
- Average FCF Payout Ratio over 5 years is 0.1, with a median of 0.12 recorded in 2022.
- The largest YoY upside for FCF Payout Ratio was 3367.11% in 2024 against a maximum downside of 1255.79% in 2024.
- Over 5 years, FCF Payout Ratio stood at 0.11 in 2022, then plunged by 42.33% to 0.06 in 2023, then surged by 3367.11% to 2.12 in 2024, then slumped by 95.94% to 0.09 in 2025, then increased by 21.68% to 0.1 in 2026.
- The last three FCF Payout Ratio figures came in at 0.1 (Q2 2026), 0.32 (Q1 2026), and 0.09 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 26.06 Bn | 9.87 Bn | - | 0.04 |
| 2 | Affirm Holdings | 24.16 Bn | 22.53 Bn | - | - |
| 3 | FirstCash Holdings | 9.90 Bn | 9.73 Bn | 533.67 Mn | 0.22 |
| 4 | Credit Acceptance | 6.25 Bn | 5.76 Bn | 569.30 Mn | - |
| 5 | Enova International | 5.63 Bn | 5.51 Bn | 568.07 Mn | - |
| 6 | Slm | 4.96 Bn | 160.79 Mn | - | - |
| 7 | Bread Financial Holdings | 4.32 Bn | -15.76 Bn | 957.00 Mn | 0.02 |
| 8 | StoneCo | 2.68 Bn | 1.06 Bn | 308.97 Mn | 1.65 |
| 9 | Ezcorp | 2.05 Bn | 1.73 Bn | 246.19 Mn | - |
| 10 | Navient | 1.71 Bn | 340.86 Mn | - | 0.10 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.10 |
| Mar 31, 2026 | -0.32 |
| Dec 31, 2025 | 0.09 |
| Sep 30, 2025 | 0.23 |
| Jun 30, 2025 | 0.13 |
| Mar 31, 2025 | 0.23 |
| Dec 31, 2024 | 2.13 |
| Sep 30, 2024 | -1.80 |
| Jun 30, 2024 | 0.06 |
| Mar 31, 2024 | 0.10 |
| Dec 31, 2023 | 0.06 |
| Sep 30, 2023 | 0.16 |
| Jun 30, 2023 | 0.19 |
| Mar 31, 2023 | 0.14 |
| Dec 31, 2022 | 0.11 |
| Sep 30, 2022 | 0.32 |
| Jun 30, 2022 | 0.17 |
| Mar 31, 2022 | -0.22 |
| Dec 31, 2021 | 0.15 |
| Sep 30, 2021 | 0.13 |