Navient (NAVI) Times Interest Earned (2013 - 2026)
Navient's (NAVI) Times Interest Earned was 1.07 for Q2 2026, up 4.1% from 1.03 a year earlier and up 1.2% from the prior quarter.
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Analysis
Navient (NAVI) Times Interest Earned (2013 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, Navient's Times Interest Earned came in at 0.98, down 3.9% year-over-year; for FY2025, it was 0.96, down 9.1% from FY2024.
- Times Interest Earned has declined for four consecutive years.
- By year, Times Interest Earned came in at 1.05 in FY2024 (-3.2%), 1.09 in FY2023 (-21.9%), 1.39 in FY2022 (-18.6%) and 1.71 in FY2021 (+35.8%).
- The Q2 2026 figure ranks as the highest quarterly Times Interest Earned since Q1 2024.
- Year over year, Times Interest Earned gained in three of the last eight quarters, with an average decline of 3.5%.
- The high point for year-over-year Times Interest Earned in five years was Q4 2022 (growth of 17.5%); the low point was Q1 2023 (a decline of 45.5%).
- Per Business Quant data, the three quarters before Q2 2026 came in at 1.06 (Q1 2026), 0.99 (Q4 2025) and 0.82 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.26 Bn | 28.94 Bn | - | 1.75 |
| 2 | Orix | 42.40 Bn | 42.90 Bn | - | 2.98 |
| 3 | Royalty Pharma | 33.56 Bn | 33.47 Bn | - | 1.42 |
| 4 | Federal National Mortgage Association Fannie Mae | 24.47 Bn | 24.47 Bn | - | 1.15 |
| 5 | Affirm Holdings | 23.34 Bn | 17.03 Bn | - | 1.24 |
| 6 | Synchrony Financial | 23.06 Bn | -44.91 Bn | - | 2.22 |
| 7 | Royal Gold | 19.98 Bn | 19.21 Bn | 390.45 Mn | 27.97 |
| 8 | Annaly Capital Management | 14.18 Bn | 5.27 Bn | - | 1.63 |
| 9 | Ares Capital | 13.71 Bn | 11.15 Bn | - | - |
| 10 | Navient | 850.62 Mn | -1.75 Bn | - | 1.07 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.07 |
| Mar 31, 2026 | 1.06 |
| Dec 31, 2025 | 0.99 |
| Sep 30, 2025 | 0.82 |
| Jun 30, 2025 | 1.03 |
| Mar 31, 2025 | 0.99 |
| Dec 31, 2024 | 1.04 |
| Sep 30, 2024 | 1.01 |
| Jun 30, 2024 | 1.06 |
| Mar 31, 2024 | 1.10 |
| Dec 31, 2023 | 0.96 |
| Sep 30, 2023 | 1.13 |
| Jun 30, 2023 | 1.10 |
| Mar 31, 2023 | 1.17 |
| Dec 31, 2022 | 1.14 |
| Sep 30, 2022 | 1.21 |
| Jun 30, 2022 | 1.66 |
| Mar 31, 2022 | 2.15 |
| Dec 31, 2021 | 0.97 |
| Sep 30, 2021 | 1.67 |
API Access
Navient Times Interest Earned 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=times-interest-earned&ticker=NAVI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "times-interest-earned", "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=times-interest-earned&ticker=NAVI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();