Navient (NAVI) Net Margin (2013 - 2026)
Navient's Net Margin was 16.67% in Q2 2026, up 7.69 percentage points from 8.97% a year earlier and up 5.48 percentage points from the prior quarter.
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Analysis
Navient (NAVI) Net Margin (2013 - 2026) Analysis & Trends
On a trailing twelve-month basis, Navient's Net Margin was -8.17% through Jun 30, 2026, down 11.82 percentage points year-over-year; for FY2025, it came in at -13.11%, down 24.49 percentage points from FY2024.
- Net Margin has now declined for three consecutive years, with a five-year change of -37.61 percentage points (FY2020 to FY2025).
- In earlier years, Net Margin was 11.37% in FY2024 (-6.57 pp), 17.94% in FY2023 (-19.19 pp), 37.13% in FY2022 (+3.60 pp) and 33.54% in FY2021 (+9.04 pp).
- The Q2 2026 figure marks the highest quarterly Net Margin since Q1 2024.
- Compared with a year earlier, Net Margin was higher in three of the last eight quarters, with an average year-over-year change of -9.42 percentage points.
- The best year-over-year quarter for Net Margin over five years was Q4 2022 (a gain of 33.92 percentage points); the worst was Q3 2025 (a drop of 52.91 percentage points).
- Per Business Quant data, NAVI's Net Margin in the three quarters before Q2 2026 was 11.18% (Q1 2026), -3.65% (Q4 2025) and -53.42% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 43.85 Bn | 44.35 Bn | - | 32.04% |
| 2 | Rocket Companies | 43.67 Bn | 29.35 Bn | - | 8.26% |
| 3 | Royalty Pharma | 33.56 Bn | 33.48 Bn | - | 2.65% |
| 4 | Federal National Mortgage Association Fannie Mae | 25.52 Bn | 25.52 Bn | - | 2.02% |
| 5 | Synchrony Financial | 23.24 Bn | -44.73 Bn | - | 18.21% |
| 6 | Affirm Holdings | 22.66 Bn | 16.35 Bn | - | 138.65% |
| 7 | Royal Gold | 20.35 Bn | 19.57 Bn | 390.45 Mn | 52.47% |
| 8 | Annaly Capital Management | 15.27 Bn | 6.37 Bn | - | - |
| 9 | Ares Capital | 13.74 Bn | 11.17 Bn | - | - |
| 10 | Navient | 830.92 Mn | -1.77 Bn | - | 16.67% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 16.67% |
| Mar 31, 2026 | 11.18% |
| Dec 31, 2025 | -3.65% |
| Sep 30, 2025 | -53.42% |
| Jun 30, 2025 | 8.97% |
| Mar 31, 2025 | -1.28% |
| Dec 31, 2024 | 10.76% |
| Sep 30, 2024 | -0.51% |
| Jun 30, 2024 | 14.57% |
| Mar 31, 2024 | 25.44% |
| Dec 31, 2023 | -12.61% |
| Sep 30, 2023 | 18.72% |
| Jun 30, 2023 | 21.50% |
| Mar 31, 2023 | 34.47% |
| Dec 31, 2022 | 31.63% |
| Sep 30, 2022 | 26.92% |
| Jun 30, 2022 | 39.56% |
| Mar 31, 2022 | 45.54% |
| Dec 31, 2021 | -2.30% |
| Sep 30, 2021 | 35.02% |
API Access
Navient Net 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=net-margin&ticker=NAVI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-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=net-margin&ticker=NAVI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();