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 → | 7.45 | — | 25.18 | — | 15.10 | — | 11.38 | 6.80 | — | 6.62 | 8.76 | 4.70 | 5.27 |
| — | — | +121.4% | — | — | — | +29.8% | +44.5% | — | +33.5% | +205.7% | +84.4% | — | |
| P/S Ratio | 0.20 | 0.41 | 0.44 | 0.39 | 0.37 | 0.42 | 0.37 | 0.43 | 0.49 | 0.40 | 0.47 | 0.45 | 0.49 |
| — | -3.0% | +18.1% | -8.9% | -24.9% | +4.6% | -21.0% | -4.8% | +1.4% | -20.3% | -23.9% | -41.6% | -49.8% | |
| P/B Ratio | 0.37 | 0.53 | 0.56 | 0.50 | 0.55 | 0.62 | 0.59 | 0.72 | 0.82 | 0.72 | 0.79 | 0.70 | 0.74 |
| — | -14.7% | -6.4% | -30.6% | -33.4% | -13.1% | -25.1% | +2.0% | +11.2% | +3.2% | +12.8% | -23.7% | -40.8% | |
| P/FCF | 1.83 | 4.64 | 2.83 | 4.54 | 45.27 | — | 1.46 | 2.72 | 1.83 | 4.27 | 5.86 | 3.58 | 2.66 |
| — | — | +93.4% | +66.5% | +2371.1% | — | -75.1% | -24.0% | -31.2% | -43.9% | +58.6% | — | -45.2% | |
| EV / EBITDA | 280.37 | — | 629.94 | — | 474.92 | 1039.64 | 280.14 | 154.29 | — | 139.13 | 164.63 | 112.91 | 149.27 |
| — | — | +124.9% | — | — | +647.3% | +70.2% | +36.6% | — | +7.3% | +117.8% | +95.7% | — | |
| EV / EBIT | 280.37 | — | 664.93 | — | 474.92 | 1039.64 | 280.14 | 154.29 | — | 139.13 | 164.63 | 112.91 | 149.27 |
| — | — | +137.4% | — | — | +647.3% | +70.2% | +36.6% | — | +7.3% | +117.8% | +95.7% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Navient Corporation's operating margin was -14.6% in Q3 2025, down 16.9 pp QoQ and down 15.8 pp YoY. The trailing four-quarter average of -2.6% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 106.5% YoY, suggesting cost inflation or competitive pricing pressure.
| 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 | 20.0% | -0.9% | 14.8% | 15.2% | 21.1% | 13.4% | 21.4% | 23.7% | 15.2% | 26.9% | 24.1% | 29.0% | 27.8% |
| — | -106.5% | -30.9% | -35.7% | +38.7% | -50.1% | -11.5% | -18.4% | -45.3% | -23.4% | -54.4% | -54.8% | -54.6% | |
| Operating Margin | 4.1% | -14.6% | 2.2% | -0.6% | 2.7% | 1.2% | 4.4% | 7.6% | -3.1% | 8.5% | 7.8% | 12.4% | 10.1% |
| — | -1324.9% | -49.3% | -108.0% | +185.1% | -85.9% | -43.8% | -39.0% | -131.1% | -36.4% | -73.5% | -68.2% | +1040.2% | |
| Net Margin | 3.1% | -10.8% | 1.7% | -0.2% | 2.5% | -0.2% | 3.3% | 6.3% | -2.4% | 6.1% | 5.4% | 9.6% | 9.3% |
| — | -5302.0% | -47.4% | -103.8% | +201.0% | -103.3% | -38.6% | -34.4% | -126.3% | -40.4% | -75.3% | -68.1% | +808.5% |
| 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 | 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% |
| — | -1166.5% | -57.4% | -106.7% | +186.3% | -87.0% | -42.3% | -29.5% | -136.7% | -6.7% | -54.2% | -50.3% | +1516.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The current ratio has weakened 36.1% YoY to 0.51x, tightening the short-term liquidity position.
| 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 | 18.43 | 19.02 | 18.39 | 18.52 | 18.43 | 18.32 | 19.38 | 19.98 | 20.98 | 20.74 | 21.23 | 21.48 | 22.64 |
| — | +3.8% | -5.1% | -7.3% | -12.2% | -11.7% | -8.7% | -7.0% | -7.3% | -12.3% | -14.5% | -18.7% | -23.0% | |
| Debt / EBITDA | 279.68 | — | 2482.26 | — | 1871.73 | 4113.50 | 1109.25 | 628.13 | — | 546.45 | 648.06 | 441.17 | 591.19 |
| — | — | +123.8% | — | — | +652.8% | +71.2% | +42.4% | — | +6.4% | +117.5% | +96.0% | — | |
| Current Ratio | 0.55 | 0.51 | 0.55 | 0.52 | 0.55 | 0.79 | 0.71 | — | 0.66 | 0.64 | 0.69 | 0.55 | 0.76 |
| — | -36.1% | -23.0% | — | -16.3% | +24.6% | +2.5% | — | -13.3% | -15.7% | -13.6% | -22.5% | -12.9% | |
| Quick Ratio | 0.55 | 0.51 | 0.55 | 0.52 | 0.55 | 0.79 | 0.71 | — | 0.66 | 0.64 | 0.69 | 0.55 | 0.76 |
| — | -36.1% | -23.0% | — | -16.3% | +24.6% | +2.5% | — | -13.3% | -15.7% | -13.6% | -22.5% | -12.9% | |
| Interest Coverage | 0.05 | -0.18 | 0.03 | -0.01 | 0.04 | 0.01 | 0.06 | 0.10 | -0.04 | 0.13 | 0.10 | 0.17 | 0.14 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Start ComparisonNavient Corporation's current P/E is 7.4x. The average P/E over the last 2 quarters is 20.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Navient Corporation's current operating margin is 4.1%. 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's business trajectory between earnings reports.