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 trades at 7.4x earnings, 7% above its 5-year average of 6.9x, sitting at the 55th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.8x, the stock trades at a discount of 46%. On a free-cash-flow basis, the stock trades at 1.8x P/FCF, 57% below the 5-year average of 4.3x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $841M | $1.5B | $2.3B | $2.4B | $3.6B | $1.9B | $3.2B | $2.3B | $3.7B | $5.3B | $4.4B |
| Enterprise Value | $48.8B | $49.4B | $59.4B | $68.2B | $79.5B | $84.1B | $92.2B | $100.3B | $112.0B | $119.5B | $130.3B |
| P/E Ratio → | 7.45 | 11.26 | 10.06 | 3.67 | 5.09 | 4.65 | 5.34 | 5.87 | 12.81 | 7.75 | 4.39 |
| P/S Ratio | 0.20 | 0.35 | 0.47 | 0.62 | 1.03 | 0.51 | 0.58 | 0.42 | 0.72 | 1.07 | 0.85 |
| P/B Ratio | 0.37 | 0.56 | 0.83 | 0.80 | 1.40 | 0.78 | 0.95 | 0.66 | 1.07 | 1.42 | 1.11 |
| P/FCF | 1.83 | 3.21 | 3.39 | 7.77 | 5.20 | 1.94 | 3.13 | 2.04 | 0.44 | 3.90 | 0.35 |
| P/OCF | 1.83 | 3.21 | 3.39 | 7.77 | 5.20 | 1.94 | 3.13 | 2.04 | 3.24 | 3.90 | 2.29 |
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's enterprise value stands at 280.4x EBITDA, 77% above its 5-year average of 158.6x. The Financial Services sector median is 11.1x, placing the stock at a 2427% 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 | — | 11.67 | 12.28 | 17.77 | 22.53 | 22.53 | 16.81 | 17.95 | 21.61 | 24.07 | 25.17 |
| EV / EBITDA | 280.37 | 284.01 | 189.67 | 82.50 | 84.90 | 152.12 | 116.99 | 179.49 | 142.30 | 105.09 | 81.84 |
| EV / EBIT | 280.37 | 284.01 | 189.67 | 82.50 | 84.90 | 158.12 | 120.82 | 190.02 | 146.59 | 107.84 | 82.46 |
| EV / FCF | — | 107.66 | 87.82 | 223.70 | 113.20 | 85.23 | 90.47 | 88.01 | 13.27 | 88.06 | 10.28 |
Margins and return-on-capital ratios measuring operating efficiency
Navient Corporation earns an operating margin of 4.1%, below the Financial Services sector average of 21.9%. Operating margins have compressed from 21.5% to 4.1% 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 0.2% 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 | 20.0% | 20.0% | 23.9% | 43.2% | 64.4% | 41.1% | 31.7% | 27.8% | 34.4% | 42.2% | 48.7% |
| Operating Margin | 4.1% | 4.1% | 6.5% | 21.5% | 26.5% | 14.2% | 13.9% | 9.4% | 14.7% | 22.3% | 30.5% |
| Net Profit Margin | 3.1% | 3.1% | 4.7% | 16.8% | 20.3% | 11.0% | 10.9% | 7.1% | 5.6% | 13.7% | 19.0% |
| 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 | 0.2% | 0.2% | 0.4% | 0.8% | 0.9% | 0.4% | 0.6% | 0.4% | 0.5% | 0.7% | 0.9% |
| ROCE | 0.3% | 0.3% | 0.5% | 1.2% | 1.2% | 0.6% | 0.8% | 0.5% | 0.7% | 1.0% | 1.3% |
Solvency and debt-coverage ratios — lower is generally safer
Navient Corporation carries a Debt/EBITDA ratio of 279.7x, which is highly leveraged (6712% above the sector average of 4.1x). Net debt stands at $47.9B ($48.7B total debt minus $722M cash). Interest coverage of just 0.1x 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 | 18.43 | 18.43 | 20.98 | 22.64 | 29.42 | 34.08 | 26.94 | 27.99 | 31.50 | 31.01 | 32.42 |
| Debt / EBITDA | 279.68 | 279.68 | 185.03 | 81.49 | 81.97 | 150.80 | 114.51 | 177.63 | 139.48 | 101.54 | 80.09 |
| Net Debt / Equity | — | 18.15 | 20.68 | 22.12 | 29.07 | 33.60 | 26.58 | 27.63 | 31.06 | 30.67 | 32.01 |
| Net Debt / EBITDA | 275.53 | 275.53 | 182.35 | 79.64 | 81.00 | 148.66 | 112.95 | 175.33 | 137.55 | 100.44 | 79.09 |
| Debt / FCF | — | 104.45 | 84.43 | 215.94 | 108.00 | 83.29 | 87.34 | 85.97 | 12.83 | 84.16 | 9.93 |
| Interest Coverage | 0.05 | 0.05 | 0.09 | 0.39 | 0.71 | 0.26 | 0.22 | 0.14 | 0.26 | 0.45 | 0.76 |
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.55x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.76x to 0.55x 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 | 0.55 | 0.55 | 0.66 | 0.76 | 0.87 | 0.58 | 0.37 | 0.43 | 0.33 | 0.27 | 0.25 |
| Quick Ratio | 0.55 | 0.55 | 0.66 | 0.76 | 0.87 | 0.58 | 0.37 | 0.43 | 0.33 | 0.27 | 0.25 |
| Cash Ratio | 0.15 | 0.15 | 0.18 | 0.31 | 0.24 | 0.18 | 0.13 | 0.15 | 0.13 | 0.09 | 0.09 |
| Asset Turnover | — | 0.08 | 0.08 | 0.05 | 0.04 | 0.04 | 0.06 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Navient Corporation returns 28.5% to shareholders annually — split between a 7.2% dividend yield and 21.3% buyback yield. A payout ratio of 53.4% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 13.4% (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 | 7.2% | 4.7% | 3.4% | 3.8% | 2.9% | 6.4% | 4.6% | 7.1% | 4.7% | 3.8% | 5.5% |
| 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 | 13.4% | 8.9% | 9.9% | 27.2% | 19.7% | 21.5% | 18.7% | 17.0% | 7.8% | 12.9% | 22.8% |
| FCF Yield | 54.6% | 31.1% | 29.5% | 12.9% | 19.2% | 51.5% | 32.0% | 49.0% | 225.5% | 25.6% | 289.8% |
| Buyback Yield | 21.3% | 12.1% | 13.5% | 16.9% | 16.4% | 20.9% | 13.8% | 9.5% | 11.8% | 14.3% | 21.6% |
| Total Shareholder Yield | 28.5% | 16.9% | 16.9% | 20.7% | 19.4% | 27.3% | 18.4% | 16.6% | 16.5% | 18.1% | 27.1% |
| Shares Outstanding | — | $111M | $123M | $144M | $172M | $195M | $233M | $264M | $281M | $322M | $382M |
Compare NAVI 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 |
|---|---|---|---|---|---|---|---|---|---|
| NAVIYou | $841M | 7.4 | 280.4 | 1.8 | 20.0% | 4.1% | 4.9% | 0.2% | 279.7 |
| SOFI | $21B | 45.5 | 50.5 | — | 69.7% | 6.3% | 8.3% | 1.7% | 7.3 |
| JSM | $5B | 16.1 | 21.3 | 11.6 | 91.7% | 73.9% | 4.9% | 4.1% | 19.8 |
| SLM | $4B | 7.0 | 6.7 | — | 48.2% | 26.7% | 30.1% | 7.6% | 7.9 |
| NNI | $1B | — | -1.7 | — | — | — | 10.9% | — | — |
| 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's current P/E ratio is 7.4x. The historical average is 7.2x. This places it at the 55th percentile of its historical range.
Navient Corporation's current EV/EBITDA is 280.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 82.3x.
Navient Corporation's return on equity (ROE) is 4.9%. The historical average is 17.3%.
Based on historical data, Navient Corporation is trading at a P/E of 7.4x. This is at the 55th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Navient Corporation's current dividend yield is 7.17% with a payout ratio of 53.4%.
Navient Corporation has 20.0% gross margin and 4.1% operating margin.
Navient Corporation's Debt/EBITDA ratio is 279.7x, indicating high leverage. A ratio above 4x may signal elevated financial risk.