Navient (NAVI) Return on Invested Capital [ROIC] (2018 - 2026)
Navient's Return on Invested Capital [ROIC] was 29.09% in Q2 2026, up 2.65 percentage points from 26.44% a year earlier and up 4.26 percentage points from the prior quarter.
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Analysis
Navient (NAVI) Return on Invested Capital [ROIC] (2018 - 2026) Analysis & Trends
For FY2025, Return on Invested Capital [ROIC] at Navient came in at 23.43%, down 11.74 percentage points from FY2024.
- Return on Invested Capital [ROIC] shows a five-year change of +4.31 percentage points (FY2020 to FY2025).
- In earlier years, Return on Invested Capital [ROIC] was 35.16% in FY2024 (-0.45 pp), 35.61% in FY2023 (+2.85 pp), 32.76% in FY2022 (+8.39 pp) and 24.37% in FY2021 (+5.26 pp).
- The Q2 2026 figure marks the highest quarterly Return on Invested Capital [ROIC] since Q4 2024.
- Compared with a year earlier, Return on Invested Capital [ROIC] was higher in 1 of the last eight quarters, with an average year-over-year change of -6.87 percentage points.
- The best year-over-year quarter for Return on Invested Capital [ROIC] over five years was Q3 2023 (a gain of 17.99 percentage points); the worst was Q1 2025 (a drop of 11.39 percentage points).
- Per Business Quant data, NAVI's Return on Invested Capital [ROIC] in the three quarters before Q2 2026 was 24.83% (Q1 2026), 23.78% (Q4 2025) and 22.79% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROIC (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.94 Bn | 29.62 Bn | - | 3.08% |
| 2 | Orix | 41.70 Bn | 42.20 Bn | - | 2.93% |
| 3 | Royalty Pharma | 32.87 Bn | 32.78 Bn | - | - |
| 4 | Federal National Mortgage Association Fannie Mae | 25.52 Bn | 25.52 Bn | - | - |
| 5 | Affirm Holdings | 23.86 Bn | 17.55 Bn | - | 5.55% |
| 6 | Synchrony Financial | 23.33 Bn | -44.64 Bn | - | 26.91% |
| 7 | Royal Gold | 19.87 Bn | 19.09 Bn | 390.45 Mn | 9.67% |
| 8 | Annaly Capital Management | 13.89 Bn | 4.98 Bn | - | 16.56% |
| 9 | Ares Capital | 13.54 Bn | 10.98 Bn | - | - |
| 10 | Navient | 861.87 Mn | -1.74 Bn | - | 29.09% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 29.09% |
| Mar 31, 2026 | 24.83% |
| Dec 31, 2025 | 23.78% |
| Sep 30, 2025 | 22.79% |
| Jun 30, 2025 | 26.44% |
| Mar 31, 2025 | 28.62% |
| Dec 31, 2024 | 32.89% |
| Sep 30, 2024 | 31.41% |
| Jun 30, 2024 | 37.21% |
| Mar 31, 2024 | 40.01% |
| Dec 31, 2023 | 38.64% |
| Sep 30, 2023 | 39.59% |
| Jun 30, 2023 | 35.29% |
| Mar 31, 2023 | 29.37% |
| Dec 31, 2022 | 26.11% |
| Sep 30, 2022 | 21.60% |
| Jun 30, 2022 | 22.42% |
| Mar 31, 2022 | 26.98% |
| Dec 31, 2021 | 32.51% |
| Sep 30, 2021 | 32.28% |
API Access
Navient Return on Invested Capital [ROIC] 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=return-on-invested-capital-%5Broic%5D&ticker=NAVI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-invested-capital-[roic]", "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=return-on-invested-capital-%5Broic%5D&ticker=NAVI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();