Navient Corporation (NAVI) Financial Ratios
14 years of historical data (2012–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
17.81
↓-86% vs avg
5yr avg: 131.82
30Y Low18.0·High84.9
P/FCF
↓
1.87
↓-58% vs avg
5yr avg: 4.50
30Y Low0.3·High7.8
P/B Ratio
↓
0.36
↓-56% vs avg
5yr avg: 0.82
30Y Low0.5·High2.2
ROE
↓
-3.2%
↑-126% vs avg
5yr avg: 12.2%
30Y Low-3%·High28%
Debt/EBITDA
↓
18.33
↓-86% vs avg
5yr avg: 129.30
30Y Low18.3·High18.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
NAVI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Navient Corporation currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 1.9x P/FCF, 58% below the 5-year average of 4.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $826M | $1.3B | $1.5B | $2.3B | $2.4B | $3.6B | $1.9B | $3.2B | $2.3B | $3.7B | $5.3B |
| Enterprise Value | $44.4B | $44.9B | $49.4B | $59.4B | $68.2B | $79.5B | $84.1B | $92.2B | $100.3B | $112.0B | $119.5B |
| P/E Ratio → | -10.85 | — | 11.26 | 10.06 | 3.67 | 5.09 | 4.65 | 5.34 | 5.87 | 12.81 | 7.75 |
| P/S Ratio | 0.26 | 0.40 | 0.35 | 0.47 | 0.62 | 1.03 | 0.51 | 0.58 | 0.42 | 0.72 | 1.07 |
| P/B Ratio | 0.36 | 0.54 | 0.56 | 0.83 | 0.80 | 1.40 | 0.78 | 0.95 | 0.66 | 1.07 | 1.42 |
| P/FCF | 1.87 | 2.92 | 3.21 | 3.39 | 7.77 | 5.20 | 1.94 | 3.13 | 2.04 | 0.44 | 3.90 |
| P/OCF | 1.87 | 2.92 | 3.21 | 3.39 | 7.77 | 5.20 | 1.94 | 3.13 | 2.04 | 3.24 | 3.90 |
P/E links to full P/E history page with 30-year chart
NAVI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Navient Corporation's enterprise value stands at 17.8x EBITDA, 86% below its 5-year average of 131.8x. The Financial Services sector median is 11.5x, placing the stock at a 55% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 13.90 | 11.67 | 12.28 | 17.77 | 22.53 | 22.53 | 16.81 | 17.95 | 21.61 | 24.07 |
| EV / EBITDA | 17.81 | 18.00 | 284.01 | 189.67 | 82.50 | 84.90 | 152.12 | 116.99 | 179.49 | 142.30 | 105.09 |
| EV / EBIT | 17.84 | 18.17 | 284.01 | 189.67 | 82.50 | 84.90 | 158.12 | 120.82 | 190.02 | 146.59 | 107.84 |
| EV / FCF | — | 101.79 | 107.66 | 87.82 | 223.70 | 113.20 | 85.23 | 90.47 | 88.01 | 13.27 | 88.06 |
NAVI Profitability
Margins and return-on-capital ratios measuring operating efficiency
Navient Corporation earns an operating margin of 77.1%, significantly above the Financial Services sector average of 21.6%. Operating margins have expanded from 6.5% to 77.1% over the past 3 years, signaling improving operational efficiency. A negative ROE of -3.2% indicates the company is currently destroying shareholder equity. ROIC of 3.8% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 87.0% | 87.0% | 20.0% | 23.9% | 43.2% | 64.4% | 41.1% | 31.7% | 27.8% | 34.4% | 42.2% |
| Operating Margin | 77.1% | 77.1% | 4.1% | 6.5% | 21.5% | 26.5% | 14.2% | 13.9% | 9.4% | 14.7% | 22.3% |
| Net Profit Margin | -2.5% | -2.5% | 3.1% | 4.7% | 16.8% | 20.3% | 11.0% | 10.9% | 7.1% | 5.6% | 13.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -3.2% | -3.2% | 4.9% | 7.9% | 23.1% | 28.4% | 14.2% | 17.3% | 11.2% | 8.1% | 17.8% |
| ROA | -0.2% | -0.2% | 0.2% | 0.3% | 0.9% | 0.9% | 0.5% | 0.6% | 0.4% | 0.2% | 0.5% |
| ROIC | 3.8% | 3.8% | 0.2% | 0.4% | 0.8% | 0.9% | 0.4% | 0.6% | 0.4% | 0.5% | 0.7% |
| ROCE | 5.5% | 5.5% | 0.3% | 0.5% | 1.2% | 1.2% | 0.6% | 0.8% | 0.5% | 0.7% | 1.0% |
NAVI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Navient Corporation carries a Debt/EBITDA ratio of 18.3x, which is highly leveraged (342% above the sector average of 4.1x). Net debt stands at $43.6B ($45.7B total debt minus $2.1B cash). Interest coverage of just 1.0x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 19.05 | 19.05 | 18.43 | 20.98 | 22.64 | 29.42 | 34.08 | 26.94 | 27.99 | 31.50 | 31.01 |
| Debt / EBITDA | 18.33 | 18.33 | 279.68 | 185.03 | 81.49 | 81.97 | 150.80 | 114.51 | 177.63 | 139.48 | 101.54 |
| Net Debt / Equity | — | 18.18 | 18.15 | 20.68 | 22.12 | 29.07 | 33.60 | 26.58 | 27.63 | 31.06 | 30.67 |
| Net Debt / EBITDA | 17.48 | 17.48 | 275.53 | 182.35 | 79.64 | 81.00 | 148.66 | 112.95 | 175.33 | 137.55 | 100.44 |
| Debt / FCF | — | 98.87 | 104.45 | 84.43 | 215.94 | 108.00 | 83.29 | 87.34 | 85.97 | 12.83 | 84.16 |
| Interest Coverage | 0.96 | 0.96 | 0.05 | 0.09 | 0.39 | 0.71 | 0.26 | 0.22 | 0.14 | 0.26 | 0.45 |
NAVI Liquidity & Efficiency
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 declined from 0.66x to 0.41x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.41 | 0.41 | 0.55 | 0.66 | 0.76 | 0.87 | 0.58 | 0.37 | 0.43 | 0.33 | 0.27 |
| Quick Ratio | 0.41 | 0.41 | 0.55 | 0.66 | 0.76 | 0.87 | 0.58 | 0.37 | 0.43 | 0.33 | 0.27 |
| Cash Ratio | 0.41 | 0.41 | 0.15 | 0.18 | 0.31 | 0.24 | 0.18 | 0.13 | 0.15 | 0.13 | 0.09 |
| Asset Turnover | — | 0.07 | 0.08 | 0.08 | 0.05 | 0.04 | 0.04 | 0.06 | 0.05 | 0.05 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
NAVI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Navient Corporation returns 20.7% to shareholders annually — split between a 7.2% dividend yield and 13.4% buyback yield.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 7.2% | 4.9% | 4.7% | 3.4% | 3.8% | 2.9% | 6.4% | 4.6% | 7.1% | 4.7% | 3.8% |
| Payout Ratio | — | — | 53.4% | 34.2% | 14.1% | 14.9% | 29.9% | 24.6% | 42.0% | 60.3% | 29.5% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 8.9% | 9.9% | 27.2% | 19.7% | 21.5% | 18.7% | 17.0% | 7.8% | 12.9% |
| FCF Yield | 53.4% | 34.3% | 31.1% | 29.5% | 12.9% | 19.2% | 51.5% | 32.0% | 49.0% | 225.5% | 25.6% |
| Buyback Yield | 13.4% | 8.6% | 12.1% | 13.5% | 16.9% | 16.4% | 20.9% | 13.8% | 9.5% | 11.8% | 14.3% |
| Total Shareholder Yield | 20.7% | 13.5% | 16.9% | 16.9% | 20.7% | 19.4% | 27.3% | 18.4% | 16.6% | 16.5% | 18.1% |
| Shares Outstanding | — | $99M | $111M | $123M | $144M | $172M | $195M | $233M | $264M | $281M | $322M |
Peer Comparison
Compare NAVI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 NAVIYou | $826M | -10.9 | 17.8 | 1.9 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 SLM | $4B | 6.5 | 6.1 | 7.8 | 53.1% | 31.9% | 32.3% | 8.8% | 5.9 |
 ECPG | $2B | 7.5 | 8.8 | 13.9 | 69.0% | 35.4% | 29.5% | 9.8% | 6.3 |
 PRA | $1B | 24.9 | 19.5 | — | 39.4% | 6.6% | 4.0% | 3.2% | 5.1 |
 PFSI | $5B | 9.5 | 18.1 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 OMF | $7B | 8.5 | 22.0 | 2.1 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 PRDO | $2B | 14.2 | 9.0 | 10.0 | 71.7% | 23.2% | 16.6% | 15.3% | 0.4 |
 STRA | $2B | 14.6 | 7.2 | 11.7 | 49.0% | 15.5% | 7.7% | 9.0% | 0.4 |
 LAUR | $5B | 17.0 | 9.8 | 17.5 | 28.3% | 25.3% | 26.2% | 20.3% | 1.6 |
 GS | $288B | 22.8 | 34.8 | — | 41.1% | 14.5% | 12.0% | 1.9% | 29.7 |
 SYF | $26B | 8.0 | 5.0 | 2.6 | 51.0% | 24.2% | 21.3% | 10.8% | 3.0 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
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Includes 30+ ratios · 14 years · Updated daily
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Start ComparisonNAVI — Frequently Asked Questions
Quick answers to the most common questions about buying NAVI stock.
What is Navient Corporation's P/E ratio?
Navient Corporation's current P/E ratio is -10.9x. The historical average is 7.2x.
What is Navient Corporation's EV/EBITDA?
Navient Corporation's current EV/EBITDA is 17.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 69.5x.
What is Navient Corporation's ROE?
Navient Corporation's return on equity (ROE) is -3.2%. The historical average is 15.9%.
Is NAVI stock overvalued?
Based on historical data, Navient Corporation is trading at a P/E of -10.9x. Compare with industry peers and growth rates for a complete picture.
What is Navient Corporation's dividend yield?
Navient Corporation's current dividend yield is 7.24%.
What are Navient Corporation's profit margins?
Navient Corporation has 87.0% gross margin and 77.1% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Navient Corporation have?
Navient Corporation's Debt/EBITDA ratio is 18.3x, indicating high leverage. A ratio above 4x may signal elevated financial risk.