Navient (NAVI) FCF Margin (2017 - 2026)
Navient's FCF Margin was 95.33% in Q2 2026, up 14.56 percentage points from 80.77% a year earlier and up 126.25 percentage points from the prior quarter.
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Analysis
Navient (NAVI) FCF Margin (2017 - 2026) Analysis & Trends
On a trailing twelve-month basis, Navient's FCF Margin was 56.67% through Jun 30, 2026, up 35.72 percentage points year-over-year; for FY2025, it came in at 72.30%, up 32.45 percentage points from FY2024.
- FCF Margin shows a five-year change of +13.61 percentage points (FY2020 to FY2025).
- In earlier years, FCF Margin was 39.84% in FY2024 (-13.34 pp), 53.19% in FY2023 (+35.63 pp), 17.56% in FY2022 (-15.28 pp) and 32.83% in FY2021 (-25.85 pp).
- Quarterly FCF Margin has moved between -30.92% (Q1 2026) and 139.64% (Q4 2023) over five years.
- Compared with a year earlier, FCF Margin was higher in three of the last eight quarters, with an average year-over-year change of -13.75 percentage points.
- The best year-over-year quarter for FCF Margin over five years was Q4 2025 (a gain of 123.42 percentage points); the worst was Q4 2024 (a drop of 136.05 percentage points).
- Per Business Quant data, NAVI's FCF Margin in the three quarters before Q2 2026 was -30.92% (Q1 2026), 127.01% (Q4 2025) and 43.48% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.90 Bn | 29.58 Bn | - | -44.76% |
| 2 | Orix | 42.96 Bn | 43.46 Bn | - | - |
| 3 | Royalty Pharma | 33.48 Bn | 33.39 Bn | - | 108.06% |
| 4 | Federal National Mortgage Association Fannie Mae | 23.94 Bn | 23.94 Bn | - | 122.69% |
| 5 | Affirm Holdings | 23.37 Bn | 17.06 Bn | - | 19.67% |
| 6 | Synchrony Financial | 23.31 Bn | -44.66 Bn | - | 51.00% |
| 7 | Royal Gold | 20.23 Bn | 19.45 Bn | 390.45 Mn | 74.39% |
| 8 | Annaly Capital Management | 15.24 Bn | 6.34 Bn | - | - |
| 9 | Ares Capital | 13.90 Bn | 11.34 Bn | - | - |
| 10 | Navient | 850.62 Mn | -1.75 Bn | - | 95.33% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 95.33% |
| Mar 31, 2026 | -30.92% |
| Dec 31, 2025 | 127.01% |
| Sep 30, 2025 | 43.48% |
| Jun 30, 2025 | 80.77% |
| Mar 31, 2025 | 45.51% |
| 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 | 28.91% |
| 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% |
API Access
Navient FCF 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=fcf-margin&ticker=NAVI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "NAVI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=NAVI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();