Last 47 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 16.14 | — | 35.10 | — | — | — | 14.77 | 8.32 | — | 6.44 | 9.02 | 5.82 | 5.65 |
| — | — | +137.7% | — | — | — | +63.6% | +43.0% | — | -9.8% | +139.3% | +61.9% | — | |
| P/S Ratio | 1.39 | 0.63 | 0.59 | 0.59 | 0.21 | 0.58 | 2.27 | 2.21 | 3.52 | 1.45 | 0.54 | 0.60 | 0.46 |
| — | +8.3% | -74.2% | -73.3% | -94.2% | -60.0% | +316.8% | +267.8% | +669.7% | +71.2% | -44.2% | -76.5% | -39.1% | |
| P/B Ratio | 0.80 | 0.80 | 0.71 | 0.73 | 0.73 | 0.82 | 0.77 | 0.88 | 0.89 | 0.70 | 0.82 | 0.87 | 0.79 |
| — | -1.4% | -7.6% | -16.7% | -17.9% | +16.7% | -5.6% | +1.0% | +12.5% | -30.2% | -11.7% | -33.0% | -48.1% | |
| P/FCF | 11.57 | 7.00 | 3.62 | 6.67 | 60.50 | — | 1.90 | 3.34 | 1.99 | 4.15 | 6.04 | 4.43 | 2.85 |
| — | — | +90.9% | +99.9% | +2945.3% | — | -68.6% | -24.8% | -30.3% | -62.1% | +24.1% | — | -51.9% | |
| EV / EBITDA | 21.29 | 2.40 | 1.75 | 2.01 | 0.58 | — | 148.09 | — | — | 19.87 | 23.32 | 17.82 | 17.77 |
| — | — | -98.8% | — | — | — | +535.1% | — | — | -24.9% | -31.3% | -94.3% | -2.0% | |
| EV / EBIT | 16.49 | 2.40 | 1.68 | 1.76 | — | 2.88 | 41.59 | 49.86 | 90.50 | 27.87 | 15.58 | 12.25 | 12.79 |
| — | -16.7% | -96.0% | -96.5% | — | -89.7% | +167.0% | +307.0% | +607.6% | +75.7% | -41.3% | -45.7% | -50.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Navient Corporation SR NT 6% 121543's operating margin was 82.5% in Q3 2025, down 0.2 pp QoQ and up 21.3 pp YoY. Gross margin expanded 19.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 91.7% | 95.9% | 95.5% | 93.9% | 109.2% | 80.6% | 28.8% | 33.5% | -892.6% | -405.7% | 83.4% | 82.7% | 82.3% |
| — | +19.0% | +232.1% | +180.7% | +112.2% | +119.9% | -65.5% | -59.6% | -1184.0% | -561.2% | -0.8% | +92.8% | +24.3% | |
| Operating Margin | 73.9% | 82.5% | 82.6% | 78.1% | 84.9% | 61.2% | 62.7% | 32.4% | -691.4% | 71.7% | 66.8% | 91.6% | 77.5% |
| — | +34.8% | +31.9% | +141.2% | +112.3% | -14.7% | -6.2% | -64.7% | -991.7% | -18.8% | -38.8% | -16.5% | -8.7% | |
| Net Margin | 3.4% | -11.0% | 1.8% | -0.2% | 1.0% | -0.2% | 15.5% | 26.5% | -16.0% | 22.6% | 6.0% | 10.4% | 8.1% |
| — | -5118.7% | -88.4% | -100.9% | +106.4% | -100.9% | +156.8% | +156.1% | -296.7% | +89.4% | -76.9% | -85.4% | +1081.2% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 4.9% | -3.4% | 0.5% | -0.1% | 0.9% | -0.1% | 1.3% | 2.6% | -1.0% | 2.7% | 2.2% | 3.7% | 3.5% |
| — | -4577.4% | -58.4% | -102.9% | +190.9% | -102.7% | -41.8% | -29.4% | -128.0% | -23.8% | -64.2% | -60.1% | +957.1% | |
| ROA | 0.2% | -0.2% | 0.0% | -0.0% | 0.0% | -0.0% | 0.1% | 0.1% | -0.0% | 0.1% | 0.1% | 0.2% | 0.1% |
| — | -4700.0% | -55.5% | -103.2% | +201.6% | -102.9% | -37.4% | -24.8% | -130.9% | -12.7% | -57.3% | -49.8% | +1177.0% | |
| ROIC | 4.1% | 1.8% | 1.1% | 1.0% | 3.0% | 0.8% | 0.2% | 0.1% | -1.6% | 0.3% | 0.9% | 1.2% | 1.1% |
| — | +118.8% | +406.3% | +745.9% | +291.0% | +164.0% | -77.0% | -89.7% | -238.9% | -62.3% | +16.4% | +201.9% | +5.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Navient Corporation SR NT 6% 121543's Debt/EBITDA ratio is 9.4x, down from 65.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 27.7% YoY to 0.38x, tightening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 16.35 | 2.02 | 16.52 | 16.56 | 16.35 | 18.56 | 17.30 | 18.38 | 19.35 | 18.95 | 19.43 | 19.40 | 20.50 |
| — | -89.1% | -4.5% | -9.9% | -15.5% | -2.0% | -11.0% | -5.2% | -5.6% | -12.0% | -16.0% | -22.5% | -28.2% | |
| Debt / EBITDA | 19.82 | 9.43 | 65.86 | 73.29 | 20.08 | — | 579.82 | — | — | 77.99 | 91.54 | 68.89 | 70.14 |
| — | — | -88.6% | — | — | — | +533.4% | — | — | -24.4% | -30.8% | -94.3% | +0.7% | |
| Current Ratio | 0.41 | 0.38 | 0.44 | 0.42 | 0.41 | 0.53 | 0.20 | — | 0.20 | — | 0.27 | 0.10 | 0.26 |
| — | -27.7% | +114.0% | — | +106.3% | — | -25.0% | — | -24.1% | — | +28.6% | -46.8% | -28.1% | |
| Quick Ratio | 0.41 | 0.38 | 0.44 | 0.42 | 0.41 | 0.53 | 0.20 | — | 0.20 | — | 0.27 | 0.10 | 0.26 |
| — | -27.7% | +114.0% | — | +106.3% | — | -25.0% | — | -24.1% | — | +28.6% | -46.8% | -28.1% | |
| Interest Coverage | 0.86 | 1.01 | 0.99 | 0.93 | 2.75 | 0.70 | 0.17 | 0.10 | -1.31 | 0.29 | 0.80 | 1.17 | 1.14 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Start ComparisonNavient Corporation SR NT 6% 121543's current P/E is 16.1x. The average P/E over the last 1 quarters is 35.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Navient Corporation SR NT 6% 121543's current operating margin is 73.9%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Navient Corporation SR NT 6% 121543's business trajectory between earnings reports.