Navient Financial Ratios
NASDAQ: NAVIFinanceInvestment Bankers/Brokers/ServiceUSD
9.11-0.16 (-1.73%)
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Navient ratio analysis
Navient earned a net margin of -13.1% in FY 2025, down from 48.3% a year earlier. Return on equity reached -3.3%, meaning Navient generated -0.03 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 19.05 versus 18.30 the year before.
Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Navient financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | — | 11.13 | 10.06 | 3.66 | 5.08 | 4.63 | 5.30 | 6.60 | 12.81 | 7.75 |
| Price / sales | 2.07 | 5.28 | 7.08 | 7.04 | 7.12 | 4.88 | 7.98 | 7.12 | 1.66 | 2.06 |
| Price / book | 0.53 | 0.54 | 0.82 | 0.78 | 1.39 | 0.78 | 0.94 | 0.73 | 1.06 | 1.40 |
| Net margin | -13.1% | 48.3% | 71.0% | 194.3% | 141.4% | 106.2% | 152.7% | 110.0% | 13.2% | 27.0% |
| Free cash flow margin | 72.3% | 169.4% | 210.6% | 91.9% | 138.5% | 254.4% | 260.6% | 317.5% | 52.4% | 53.4% |
| Return on equity (ROE) | -3.3% | 5.0% | 8.3% | 21.7% | 27.6% | 16.9% | 17.9% | 11.2% | 8.5% | 18.4% |
| Return on assets (ROA) | -0.2% | 0.3% | 0.4% | 0.9% | 0.9% | 0.5% | 0.6% | 0.4% | 0.3% | 0.6% |
| Debt / equity | 19.05 | 18.30 | 20.88 | 22.47 | 29.64 | 34.50 | 27.04 | 28.12 | 31.78 | 31.01 |
| Revenue growth | 125.1% | -15.6% | -3.3% | -34.5% | 30.7% | -0.8% | 8.9% | -83.7% | -12.5% | -19.2% |
| EPS growth | -168.6% | -36.2% | -58.8% | 7.4% | 97.2% | -17.2% | 71.8% | 43.3% | -50.9% | -17.8% |