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 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -11.35 | 8.18 | 12.03 | — | — | 25.18 | — | 15.10 | — | 11.38 | 6.80 | — | 6.62 | 8.76 | 4.70 | 5.27 | 4.96 | 2.87 | 2.55 | — | 4.74 |
| — | -67.5% | — | — | — | +121.4% | — | — | — | +29.8% | +44.5% | — | +33.5% | +205.7% | +84.4% | — | +4.6% | -37.7% | +42.6% | — | +140.2% | |
| P/S Ratio | 1.33 | 1.73 | 1.50 | 1.93 | 2.02 | 2.28 | 2.06 | 1.44 | 2.38 | 1.65 | 1.73 | 2.47 | 1.23 | 1.89 | 1.61 | 1.66 | 1.33 | 1.13 | 1.16 | 1.57 | 1.60 |
| — | -24.2% | -27.4% | +34.1% | -15.1% | +38.3% | +19.5% | -41.6% | +92.7% | -12.7% | +7.1% | +48.8% | -7.0% | +67.4% | +38.7% | +5.8% | -17.1% | -32.2% | +17.3% | +75.7% | +100.6% | |
| P/B Ratio | 0.38 | 0.34 | 0.33 | 0.45 | 0.53 | 0.56 | 0.50 | 0.55 | 0.62 | 0.59 | 0.72 | 0.82 | 0.72 | 0.79 | 0.70 | 0.74 | 0.70 | 0.70 | 0.92 | 1.25 | 1.21 |
| — | -38.7% | -33.7% | -17.7% | -14.7% | -6.4% | -30.6% | -33.4% | -13.1% | -25.1% | +2.0% | +11.2% | +3.2% | +12.8% | -23.7% | -40.8% | -42.2% | -44.0% | -4.8% | +65.8% | +66.5% | |
| P/FCF | 1.96 | 1.43 | — | 1.56 | 4.64 | 2.83 | 4.54 | 45.27 | — | 1.46 | 2.72 | 1.83 | 4.27 | 5.86 | 3.58 | 2.66 | 7.62 | 3.70 | — | 4.85 | 4.10 |
| — | -49.5% | — | -96.6% | — | +93.4% | +66.5% | +2371.1% | — | -75.1% | -24.0% | -31.2% | -43.9% | +58.6% | — | -45.2% | +85.8% | -33.0% | — | +79.9% | +121.0% | |
| EV / EBITDA | 17.83 | 18.87 | 755.77 | 18.42 | — | 629.94 | — | 474.92 | 1039.64 | 280.14 | 154.29 | — | 139.13 | 164.63 | 112.91 | 149.27 | 129.67 | 75.60 | 57.71 | — | 91.21 |
| — | -97.0% | — | -96.1% | — | +124.9% | — | — | +647.3% | +70.2% | +36.6% | — | +7.3% | +117.8% | +95.7% | — | +42.2% | -10.8% | +36.0% | — | +10.4% | |
| EV / EBIT | 17.85 | 18.87 | 1030.60 | 18.81 | — | 664.93 | — | 474.92 | 1039.64 | 280.14 | 154.29 | — | 139.13 | 164.63 | 112.91 | 149.27 | 129.67 | 75.60 | 57.71 | — | 91.21 |
| — | -97.2% | — | -96.0% | — | +137.4% | — | — | +647.3% | +70.2% | +36.6% | — | +7.3% | +117.8% | +95.7% | — | +42.2% | -10.8% | +36.0% | — | +10.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 87.0% | 96.0% | 18.8% | 88.4% | -0.9% | 14.8% | 15.2% | 21.1% | 13.4% | 21.4% | 23.7% | 15.2% | 26.9% | 24.1% | 29.0% | 27.8% | 35.1% | 52.9% | 64.1% | 61.2% | 58.6% |
| — | +550.5% | +23.9% | +319.4% | -106.5% | -30.9% | -35.7% | +38.7% | -50.1% | -11.5% | -18.4% | -45.3% | -23.4% | -54.4% | -54.8% | -54.6% | -40.1% | -12.1% | -15.4% | +7.6% | +10.1% | |
| Operating Margin | 77.1% | 84.0% | 1.6% | 82.3% | -14.6% | 2.2% | -0.6% | 2.7% | 1.2% | 4.4% | 7.6% | -3.1% | 8.5% | 7.8% | 12.4% | 10.1% | 13.3% | 29.5% | 39.1% | -1.1% | 26.2% |
| — | +3662.0% | +362.1% | +2991.1% | -1324.9% | -49.3% | -108.0% | +185.1% | -85.9% | -43.8% | -39.0% | -131.1% | -36.4% | -73.5% | -68.2% | +1040.2% | -49.3% | +4.5% | -19.5% | -104.1% | -5.1% | |
| Net Margin | -2.5% | 3.7% | 2.4% | -0.7% | -10.8% | 1.7% | -0.2% | 2.5% | -0.2% | 3.3% | 6.3% | -2.4% | 6.1% | 5.4% | 9.6% | 9.3% | 10.2% | 21.8% | 30.0% | -1.3% | 20.6% |
| — | +111.0% | +1112.8% | -126.7% | -5302.0% | -47.4% | -103.8% | +201.0% | -103.3% | -38.6% | -34.4% | -126.3% | -40.4% | -75.3% | -68.1% | +808.5% | -50.6% | +0.0% | -19.1% | -106.4% | -6.7% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -3.2% | 1.0% | 0.7% | -0.2% | -3.4% | 0.5% | -0.1% | 0.9% | -0.1% | 1.3% | 2.6% | -1.0% | 2.7% | 2.2% | 3.7% | 3.5% | 3.6% | 6.3% | 9.4% | -0.4% | 6.4% |
| — | +92.6% | +1030.2% | -123.0% | -4577.4% | -58.4% | -102.9% | +190.9% | -102.7% | -41.8% | -29.4% | -128.0% | -23.8% | -64.2% | -60.1% | +957.1% | -44.0% | -7.9% | -34.3% | -105.2% | -32.6% | |
| ROA | -0.2% | 0.1% | 0.0% | -0.0% | -0.2% | 0.0% | -0.0% | 0.0% | -0.0% | 0.1% | 0.1% | -0.0% | 0.1% | 0.1% | 0.2% | 0.1% | 0.1% | 0.2% | 0.3% | -0.0% | 0.2% |
| — | +89.5% | +1002.6% | -122.4% | -4700.0% | -55.5% | -103.2% | +201.6% | -102.9% | -37.4% | -24.8% | -130.9% | -12.7% | -57.3% | -49.8% | +1177.0% | -33.0% | +6.2% | -25.2% | -106.5% | -8.6% | |
| ROIC | 3.8% | 0.9% | 0.0% | 1.0% | -0.2% | 0.0% | -0.0% | 0.0% | 0.0% | 0.1% | 0.1% | -0.0% | 0.1% | 0.1% | 0.2% | 0.1% | 0.1% | 0.2% | 0.3% | -0.0% | 0.2% |
| — | +3288.5% | +332.4% | +2468.7% | -1166.5% | -57.4% | -106.7% | +186.3% | -87.0% | -42.3% | -29.5% | -136.7% | -6.7% | -54.2% | -50.3% | +1516.7% | -31.9% | +10.0% | -25.9% | -104.2% | -7.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 19.05 | 18.49 | 18.99 | 19.07 | 19.02 | 18.39 | 18.52 | 18.43 | 18.32 | 19.38 | 19.98 | 20.98 | 20.74 | 21.23 | 21.48 | 22.64 | 23.66 | 24.84 | 26.41 | 29.42 | 28.54 |
| — | +0.5% | +2.5% | +3.5% | +3.8% | -5.1% | -7.3% | -12.2% | -11.7% | -8.7% | -7.0% | -7.3% | -12.3% | -14.5% | -18.7% | -23.0% | -17.1% | -15.1% | -10.7% | -13.7% | -24.6% | |
| Debt / EBITDA | 18.33 | 77.78 | 3012.13 | 72.96 | — | 2482.26 | — | 1871.73 | 4113.50 | 1109.25 | 628.13 | — | 546.45 | 648.06 | 441.17 | 591.19 | 513.50 | 297.98 | 225.11 | — | 354.63 |
| — | -96.9% | — | -96.1% | — | +123.8% | — | — | +652.8% | +71.2% | +42.4% | — | +6.4% | +117.5% | +96.0% | — | +44.8% | -9.9% | +34.5% | — | +7.1% | |
| Current Ratio | 0.74 | 0.51 | 0.75 | 0.78 | 0.51 | 0.55 | 0.52 | 0.55 | 0.79 | 0.71 | 0.61 | 0.66 | 0.64 | 0.69 | 0.55 | 0.76 | 0.75 | 0.80 | 0.72 | 0.87 | 0.81 |
| — | -7.3% | +44.6% | +40.8% | -36.1% | -23.0% | -14.2% | -16.3% | +24.6% | +2.5% | +9.2% | -13.3% | -15.7% | -13.6% | -22.5% | -12.9% | -6.3% | -14.0% | -16.2% | +51.9% | +38.9% | |
| Quick Ratio | 0.74 | 0.51 | 0.75 | 0.78 | 0.51 | 0.55 | 0.52 | 0.55 | 0.79 | 0.71 | 0.61 | 0.66 | 0.64 | 0.69 | 0.55 | 0.76 | 0.75 | 0.80 | 0.72 | 0.87 | 0.81 |
| — | -7.3% | +44.6% | +40.8% | -36.1% | -23.0% | -14.2% | -16.3% | +24.6% | +2.5% | +9.2% | -13.3% | -15.7% | -13.6% | -22.5% | -12.9% | -6.3% | -14.0% | -16.2% | +51.9% | +38.9% | |
| Interest Coverage | 0.96 | 1.01 | 0.02 | 0.99 | -0.18 | 0.03 | -0.01 | 0.04 | 0.01 | 0.06 | 0.10 | -0.04 | 0.13 | 0.10 | 0.17 | 0.14 | 0.21 | 0.66 | 1.15 | -0.03 | 0.67 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying NAVI stock.
Navient Corporation's current P/E is -11.3x. The average P/E over the last 2 quarters is 10.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Navient Corporation's current operating margin is 77.1%. Margins have been expanding 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's business trajectory between earnings reports.