13 years of historical data (2012–2024) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Navient Corporation SR NT 6% 121543 trades at 16.1x earnings, 67% above its 5-year average of 9.7x, sitting at the 92nd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.8x, the stock trades at a premium of 17%. On a free-cash-flow basis, the stock trades at 11.6x P/FCF, 109% above the 5-year average of 5.5x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $5.3B | $1.9B | $2.6B | $2.5B | $4.4B | $4.9B | $5.6B | $4.4B | $6.7B | $7.1B | $6.3B |
| Enterprise Value | $46.4B | $5.0B | $55.2B | $62.0B | $77.9B | $81.1B | $86.1B | $96.6B | $110.2B | $118.3B | $129.5B |
| P/E Ratio → | 16.14 | 14.80 | 11.58 | 3.93 | 6.08 | 11.92 | 9.38 | 11.00 | 22.86 | 10.51 | 6.42 |
| P/S Ratio | 1.39 | 0.51 | 2.28 | 0.79 | 1.65 | 1.49 | 1.20 | 0.89 | 1.52 | 1.72 | 1.47 |
| P/B Ratio | 0.80 | 0.73 | 0.95 | 0.85 | 1.67 | 2.00 | 1.67 | 1.23 | 1.92 | 1.92 | 1.60 |
| P/FCF | 11.57 | 4.22 | 3.90 | 8.32 | 6.21 | 4.97 | 5.49 | 3.82 | 5.77 | 5.30 | 3.30 |
| P/OCF | 11.57 | 4.22 | 3.90 | 8.32 | 6.21 | 4.97 | 5.49 | 3.82 | 5.77 | 5.30 | 3.30 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
Navient Corporation SR NT 6% 121543's enterprise value stands at 21.3x EBITDA, 66% below its 5-year average of 61.9x. The Financial Services sector median is 11.1x, placing the stock at a 92% premium on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.30 | 47.75 | 19.25 | 29.44 | 24.58 | 18.42 | 19.68 | 25.14 | 28.52 | 30.16 |
| EV / EBITDA | 21.29 | 2.28 | — | 30.11 | 116.68 | 98.49 | 43.45 | 39.95 | — | — | — |
| EV / EBIT | 16.49 | 1.44 | 36.55 | 14.97 | 22.88 | 33.69 | 21.76 | 24.23 | 70.71 | 51.98 | 42.47 |
| EV / FCF | — | 10.82 | 81.65 | 203.37 | 111.03 | 82.12 | 84.47 | 84.73 | 95.14 | 87.79 | 67.82 |
Margins and return-on-capital ratios measuring operating efficiency
Navient Corporation SR NT 6% 121543 earns an operating margin of 73.9%, significantly above the Financial Services sector average of 21.9%. Operating margins have compressed from 90.9% to 73.9% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 4.9% is modest, trailing the sector median of 9.1%. ROIC of 4.1% represents below-average returns on invested capital versus a sector median of 5.4%.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 91.7% | 91.7% | 30.8% | 51.4% | 54.4% | 70.8% | 78.9% | 80.0% | 78.0% | 77.1% | 78.6% |
| Operating Margin | 73.9% | 73.9% | 65.3% | 90.9% | 64.3% | 41.5% | 57.9% | 59.9% | 6.7% | 16.4% | 23.2% |
| Net Profit Margin | 3.4% | 3.4% | 19.7% | 20.0% | 27.1% | 12.5% | 12.8% | 8.0% | 6.7% | 16.4% | 22.9% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 4.9% | 4.9% | 7.9% | 23.1% | 28.4% | 14.2% | 17.3% | 11.2% | 8.1% | 17.8% | 24.2% |
| ROA | 0.2% | 0.2% | 0.3% | 0.9% | 0.9% | 0.5% | 0.6% | 0.4% | 0.2% | 0.5% | 0.7% |
| ROIC | 4.1% | 4.1% | 0.9% | 3.1% | 1.6% | 1.2% | 2.2% | 2.1% | 0.2% | 0.4% | 0.6% |
| ROCE | 5.4% | 5.4% | 1.2% | 4.1% | 2.1% | 1.6% | 2.9% | 2.8% | 0.3% | 0.5% | 0.7% |
Solvency and debt-coverage ratios — lower is generally safer
Navient Corporation SR NT 6% 121543 carries a Debt/EBITDA ratio of 19.8x, which is highly leveraged (383% above the sector average of 4.1x). Net debt stands at $3.0B ($43.2B total debt minus $2.1B cash). Interest coverage of just 0.9x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 16.35 | 16.35 | 19.35 | 20.50 | 28.56 | 31.60 | 24.40 | 26.37 | 30.13 | 30.18 | 31.74 |
| Debt / EBITDA | 19.82 | 19.82 | — | 29.62 | 111.51 | 93.96 | 41.25 | 38.68 | — | — | — |
| Net Debt / Equity | — | 1.15 | 19.04 | 19.98 | 28.21 | 31.12 | 24.03 | 26.00 | 29.70 | 29.85 | 31.33 |
| Net Debt / EBITDA | 1.39 | 1.39 | — | 28.88 | 110.15 | 92.53 | 40.63 | 38.14 | — | — | — |
| Debt / FCF | — | 6.60 | 77.76 | 195.05 | 104.82 | 77.15 | 78.98 | 80.91 | 89.37 | 82.49 | 64.52 |
| Interest Coverage | 0.86 | 0.86 | 0.21 | 1.39 | 1.29 | 0.67 | 0.78 | 0.80 | 0.10 | 0.28 | 0.48 |
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.41x is below 1.0, meaning current liabilities exceed current assets — though the company's $2.1B cash position helps mitigate short-term liquidity concerns. The current ratio has improved from 0.26x to 0.41x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.41 | 0.41 | 0.20 | 0.26 | 0.36 | 0.18 | 0.15 | 0.24 | 0.32 | 0.54 | 0.62 |
| Quick Ratio | 0.41 | 0.41 | 0.20 | 0.26 | 0.36 | 0.18 | 0.15 | 0.24 | 0.32 | 0.54 | 0.62 |
| Cash Ratio | 0.41 | 0.41 | 0.20 | 0.26 | 0.36 | 0.18 | 0.15 | 0.24 | 0.32 | 0.54 | 0.62 |
| Asset Turnover | — | 0.07 | 0.02 | 0.05 | 0.03 | 0.04 | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Navient Corporation SR NT 6% 121543 returns 6.7% to shareholders annually — split between a 3.3% dividend yield and 3.4% buyback yield. A payout ratio of 53.4% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 6.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.3% | 3.6% | 3.0% | 3.6% | 2.5% | 2.5% | 2.6% | 3.8% | 2.6% | 2.8% | 3.8% |
| Payout Ratio | 53.4% | 53.4% | 34.2% | 14.1% | 14.9% | 29.9% | 24.6% | 42.0% | 60.3% | 29.5% | 24.4% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.2% | 6.8% | 8.6% | 25.4% | 16.4% | 8.4% | 10.7% | 9.1% | 4.4% | 9.5% | 15.6% |
| FCF Yield | 8.6% | 23.7% | 25.7% | 12.0% | 16.1% | 20.1% | 18.2% | 26.2% | 17.3% | 18.9% | 30.3% |
| Buyback Yield | 3.4% | 9.2% | 11.8% | 15.8% | 13.8% | 8.2% | 7.9% | 5.1% | 6.6% | 10.6% | 15.0% |
| Total Shareholder Yield | 6.7% | 12.9% | 14.7% | 19.4% | 16.2% | 10.7% | 10.5% | 8.9% | 9.2% | 13.4% | 18.8% |
| Shares Outstanding | — | $109M | $123M | $144M | $172M | $195M | $233M | $264M | $281M | $322M | $382M |
Compare JSM with 4 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| JSMYou | $5B | 16.1 | 21.3 | 11.6 | 91.7% | 73.9% | 4.9% | 4.1% | 19.8 |
| SOFI | $21B | 45.5 | 50.5 | — | 69.7% | 6.3% | 8.3% | 1.7% | 7.3 |
| SLM | $4B | 7.0 | 6.7 | — | 48.2% | 26.7% | 30.1% | 7.6% | 7.9 |
| NNI | $1B | — | -1.7 | — | — | — | 10.9% | — | — |
| NAVI | $841M | 7.4 | 280.4 | 1.8 | 20.0% | 4.1% | 4.9% | 0.2% | 279.7 |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 13 years · Updated daily
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Start ComparisonNavient Corporation SR NT 6% 121543's current P/E ratio is 16.1x. The historical average is 10.4x. This places it at the 92th percentile of its historical range.
Navient Corporation SR NT 6% 121543's current EV/EBITDA is 21.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 36.6x.
Navient Corporation SR NT 6% 121543's return on equity (ROE) is 4.9%. The historical average is 21.2%.
Based on historical data, Navient Corporation SR NT 6% 121543 is trading at a P/E of 16.1x. This is at the 92th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Navient Corporation SR NT 6% 121543's current dividend yield is 3.32% with a payout ratio of 53.4%.
Navient Corporation SR NT 6% 121543 has 91.7% gross margin and 73.9% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Navient Corporation SR NT 6% 121543's Debt/EBITDA ratio is 19.8x, indicating high leverage. A ratio above 4x may signal elevated financial risk.