Navient (JSM) Payout Ratio (2017 - 2026)
Navient (JSM) posted Payout Ratio of 0.6 for Q2 2026, down 32.0% on a QoQ basis from 0.88 in Q1 2026, and down 47.5% year-over-year from 1.14 in Q2 2025.
Analysis
Navient (JSM) Payout Ratio (2017 - 2026) Analysis & Trends
Navient has reported Payout Ratio for 10 years, with the latest figure at 0.6 in Q2 2026.
- On a quarterly basis, Payout Ratio fell 47.5% year-over-year to 0.6 in Q2 2026; TTM through Jun 2026 was 1.3, a 165.86% decrease from a year earlier, with the FY2025 full-year figure at 0.81, down 251.15% from the prior year.
- Payout Ratio was 0.6 for Q2 2026 at Navient, down from 0.88 in the prior quarter.
- The five-year high for Payout Ratio was 1.14 in Q2 2025, with the low at 9.0 in Q3 2024.
- Average Payout Ratio over 5 years is 0.97, with a median of 0.21 recorded in 2022.
- The largest YoY upside for Payout Ratio was 211.84% in 2024 against a maximum downside of 3842.11% in 2024.
- Over 5 years, Payout Ratio stood at 0.21 in 2022, then plunged by 402.27% to 0.63 in 2023, then surged by 211.84% to 0.71 in 2024, then plunged by 805.88% to 5.0 in 2025, then surged by 112.0% to 0.6 in 2026.
- The last three Payout Ratio figures came in at 0.6 (Q2 2026), 0.88 (Q1 2026), and 5.0 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) |
|---|---|---|---|---|
| 1 | Synchrony Financial | 26.19 Bn | 9.99 Bn | - |
| 2 | Affirm Holdings | 23.96 Bn | 22.33 Bn | - |
| 3 | FirstCash Holdings | 10.07 Bn | 9.90 Bn | 533.67 Mn |
| 4 | Credit Acceptance | 6.22 Bn | 5.73 Bn | 569.30 Mn |
| 5 | Enova International | 5.64 Bn | 5.51 Bn | 568.07 Mn |
| 6 | Slm | 5.00 Bn | 202.28 Mn | - |
| 7 | Bread Financial Holdings | 4.32 Bn | -15.76 Bn | 957.00 Mn |
| 8 | StoneCo | 2.69 Bn | 1.07 Bn | 308.97 Mn |
| 9 | Ezcorp | 2.07 Bn | 1.75 Bn | 246.19 Mn |
| 10 | Navient | 1.71 Bn | 337.11 Mn | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.60 |
| Mar 31, 2026 | 0.88 |
| Dec 31, 2025 | -5.00 |
| Sep 30, 2025 | -0.19 |
| Jun 30, 2025 | 1.14 |
| Mar 31, 2025 | -8.00 |
| Dec 31, 2024 | 0.71 |
| Sep 30, 2024 | -9.00 |
| Jun 30, 2024 | 0.47 |
| Mar 31, 2024 | 0.25 |
| Dec 31, 2023 | -0.63 |
| Sep 30, 2023 | 0.24 |
| Jun 30, 2023 | 0.29 |
| Mar 31, 2023 | 0.19 |
| Dec 31, 2022 | 0.21 |
| Sep 30, 2022 | 0.21 |
| Jun 30, 2022 | 0.13 |
| Mar 31, 2022 | 0.09 |
| Dec 31, 2021 | -2.27 |
| Sep 30, 2021 | 0.15 |