Navient reported a net margin of 14.12% for the quarter ended Jun 2026. These financial ratios cover 54 quarters of results from Mar 2013 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Mar2013 | Jun2013 | Sep2013 | Dec2013 | Mar2014 | Jun2014 | Sep2014 | Dec2014 | Mar2015 | Jun2015 | Sep2015 | Dec2015 | Mar2016 | Jun2016 | Sep2016 | Dec2016 | Mar2017 | Jun2017 | Sep2017 | Dec2017 | Mar2018 | Jun2018 | Sep2018 | Dec2018 | Mar2019 | Jun2019 | Sep2019 | Dec2019 | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gross Margin | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| EBT Margin | 44.53% | -1.88% | 59.29% | 53.63% | 35.13% | 34.34% | 44.72% | 31.27% | 25.88% | -16.22% | 30.66% | 19.43% | 3.03% | 11.66% | -2.40% | 9.33% | -54.42% | -4.02% | 17.02% | 22.03% | ||||||||||||||||||||||||||||||||||
| EBIT Margin | 110.53% | 65.14% | 110.89% | 135.16% | 199.49% | 275.60% | 304.66% | 330.62% | 232.71% | 398.65% | 335.54% | 360.73% | 212.12% | 337.22% | 320.67% | 346.11% | 242.79% | 356.90% | 317.02% | 338.42% | ||||||||||||||||||||||||||||||||||
| EBITDA Margin | 110.53% | 65.14% | 110.89% | 135.16% | 199.49% | 275.60% | 304.66% | 330.62% | 232.71% | 398.65% | 335.54% | 360.73% | 212.12% | 337.22% | 320.67% | 346.11% | 242.79% | 356.90% | 317.02% | 338.42% | ||||||||||||||||||||||||||||||||||
| Operating Margin | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Margin | 35.02% | -2.30% | 45.54% | 39.56% | 26.92% | 31.63% | 34.47% | 21.50% | 18.59% | -13.51% | 25.44% | 14.57% | -0.51% | 10.76% | -0.96% | 7.25% | -40.00% | -1.72% | 9.04% | 14.12% | ||||||||||||||||||||||||||||||||||
| FCF Margin | 40.69% | 35.07% | -19.46% | 30.55% | 17.44% | 62.35% | 45.03% | 32.25% | 28.71% | 139.64% | 63.41% | 112.96% | -2.53% | 3.59% | 34.13% | 65.28% | 32.56% | 100.00% | -25.00% | 80.79% | ||||||||||||||||||||||||||||||||||
| Efficiency | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 82.64B | 81.27B | 79.38B | 77.11B | 74.84B | 72.21B | 68.85B | 66.26B | 64.51B | 62.39B | 60.20B | 57.83B | 55.03B | 52.61B | 51.37B | 50.59B | 49.76B | 48.99B | 48.34B | 47.65B | ||||||||||||||||||||||||||||||||||
| Invested CapitalInvested Cap. | 2.78B | 2.49B | 3.80B | 4.61B | 5.68B | 5.87B | 5.75B | 4.84B | 4.66B | 4.23B | 4.43B | 5.33B | 5.30B | 5.13B | 4.86B | 4.75B | 4.92B | 5.07B | 5.87B | 4.21B | ||||||||||||||||||||||||||||||||||
| Asset Utilization RatioAsset Util. | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | ||||||||||||||||||||||||||||||||||
| Leverage & Solvency | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | 1.67 | 0.97 | 2.15 | 1.66 | 1.21 | 1.14 | 1.17 | 1.10 | 1.13 | 0.96 | 1.10 | 1.06 | 1.01 | 1.04 | 0.99 | 1.03 | 0.82 | 0.99 | 1.06 | 1.07 | ||||||||||||||||||||||||||||||||||
| Debt Ratio | 0.96 | 0.96 | 0.95 | 0.95 | 0.95 | 0.94 | 0.94 | 0.94 | 0.94 | 0.94 | 0.94 | 0.93 | 0.94 | 0.93 | 0.94 | 0.94 | 0.94 | 0.94 | 0.94 | 0.94 | ||||||||||||||||||||||||||||||||||
| Times Interest Earned | 1.67 | 0.97 | 2.15 | 1.66 | 1.21 | 1.14 | 1.17 | 1.10 | 1.13 | 0.96 | 1.10 | 1.06 | 1.01 | 1.04 | 0.99 | 1.03 | 0.82 | 0.99 | 1.06 | 1.07 | ||||||||||||||||||||||||||||||||||
| Dividends & Payouts | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| FCF Payout RatioFCF Cover | 0.13 | 0.15 | -0.22 | 0.17 | 0.32 | 0.11 | 0.14 | 0.19 | 0.16 | 0.06 | 0.10 | 0.06 | -1.80 | 2.13 | 0.23 | 0.13 | 0.23 | 0.09 | -0.32 | 0.10 | ||||||||||||||||||||||||||||||||||
| Valuation | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Enterprise Value | -2.25B | -2.66B | -2.50B | -2.46B | -2.55B | -3.27B | -2.21B | -1.95B | -1.82B | -1.95B | -2.12B | -2.92B | -1.65B | -1.38B | -1.41B | -1.36B | -1.30B | -1.47B | -1.51B | -1.37B | ||||||||||||||||||||||||||||||||||
| Return Ratios | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Return on SalesROS | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | ||||||||||||||||||||||||||||||||||
| Return on Invested CapitalROIC | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | ||||||||||||||||||||||||||||||||||
| Return on AssetsROA | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |