Last 48 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Navient Corporation's quarterly P/E stands at 12.0x.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -10.85 | 12.03 | — | — | 25.18 | — | 15.10 | — | 11.38 | 6.80 | — | 6.62 | 8.76 |
| — | — | — | — | +121.4% | — | — | — | +29.8% | +44.5% | — | +33.5% | +205.7% | |
| P/S Ratio | 0.26 | 0.28 | 0.36 | 0.41 | 0.44 | 0.39 | 0.37 | 0.42 | 0.37 | 0.43 | 0.49 | 0.40 | 0.47 |
| — | -27.4% | -4.0% | -3.0% | +18.1% | -8.9% | -24.9% | +4.6% | -21.0% | -4.8% | +1.4% | -20.3% | -23.9% | |
| P/B Ratio | 0.36 | 0.33 | 0.45 | 0.53 | 0.56 | 0.50 | 0.55 | 0.62 | 0.59 | 0.72 | 0.82 | 0.72 | 0.79 |
| — | -33.7% | -17.7% | -14.7% | -6.4% | -30.6% | -33.4% | -13.1% | -25.1% | +2.0% | +11.2% | +3.2% | +12.8% | |
| P/FCF | 1.87 | — | 1.56 | 4.64 | 2.83 | 4.54 | 45.27 | — | 1.46 | 2.72 | 1.83 | 4.27 | 5.86 |
| — | — | -96.6% | — | +93.4% | +66.5% | +2371.1% | — | -75.1% | -24.0% | -31.2% | -43.9% | +58.6% | |
| EV / EBITDA | 17.81 | 755.77 | 17.82 | — | 629.94 | — | 474.92 | 1039.64 | 280.14 | 154.29 | — | 139.13 | 164.63 |
| — | — | -96.2% | — | +124.9% | — | — | +647.3% | +70.2% | +36.6% | — | +7.3% | +117.8% | |
| EV / EBIT | 17.84 | 1030.60 | 18.19 | — | 664.93 | — | 474.92 | 1039.64 | 280.14 | 154.29 | — | 139.13 | 164.63 |
| — | — | -96.2% | — | +137.4% | — | — | +647.3% | +70.2% | +36.6% | — | +7.3% | +117.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Navient Corporation's operating margin was 1.6% in Q1 2026, down 80.7 pp QoQ and up 2.2 pp YoY. The trailing four-quarter average of 17.9% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 23.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 87.0% | 18.8% | 88.4% | -0.9% | 14.8% | 15.2% | 21.1% | 13.4% | 21.4% | 23.7% | 15.2% | 26.9% | 24.1% |
| — | +23.9% | +319.4% | -106.5% | -30.9% | -35.7% | +38.7% | -50.1% | -11.5% | -18.4% | -45.3% | -23.4% | -54.4% | |
| Operating Margin | 77.1% | 1.6% | 82.3% | -14.6% | 2.2% | -0.6% | 2.7% | 1.2% | 4.4% | 7.6% | -3.1% | 8.5% | 7.8% |
| — | +362.1% | +2991.1% | -1324.9% | -49.3% | -108.0% | +185.1% | -85.9% | -43.8% | -39.0% | -131.1% | -36.4% | -73.5% | |
| Net Margin | -2.5% | 2.4% | -0.7% | -10.8% | 1.7% | -0.2% | 2.5% | -0.2% | 3.3% | 6.3% | -2.4% | 6.1% | 5.4% |
| — | +1112.8% | -126.7% | -5302.0% | -47.4% | -103.8% | +201.0% | -103.3% | -38.6% | -34.4% | -126.3% | -40.4% | -75.3% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -3.2% | 0.7% | -0.2% | -3.4% | 0.5% | -0.1% | 0.9% | -0.1% | 1.3% | 2.6% | -1.0% | 2.7% | 2.2% |
| — | +1030.2% | -123.0% | -4577.4% | -58.4% | -102.9% | +190.9% | -102.7% | -41.8% | -29.4% | -128.0% | -23.8% | -64.2% | |
| ROA | -0.2% | 0.0% | -0.0% | -0.2% | 0.0% | -0.0% | 0.0% | -0.0% | 0.1% | 0.1% | -0.0% | 0.1% | 0.1% |
| — | +1002.6% | -122.4% | -4700.0% | -55.5% | -103.2% | +201.6% | -102.9% | -37.4% | -24.8% | -130.9% | -12.7% | -57.3% | |
| ROIC | 3.8% | 0.0% | 1.0% | -0.2% | 0.0% | -0.0% | 0.0% | 0.0% | 0.1% | 0.1% | -0.0% | 0.1% | 0.1% |
| — | +332.4% | +2469.8% | -1166.5% | -57.4% | -106.7% | +186.3% | -87.0% | -42.3% | -29.5% | -136.7% | -6.7% | -54.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Navient Corporation's Debt/EBITDA ratio is 3012.1x, up from 72.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 44.6% YoY to 0.75x, strengthening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 19.05 | 18.99 | 19.05 | 19.02 | 18.39 | 18.52 | 18.43 | 18.32 | 19.38 | 19.98 | 20.98 | 20.74 | 21.23 |
| — | +2.5% | +3.4% | +3.8% | -5.1% | -7.3% | -12.2% | -11.7% | -8.7% | -7.0% | -7.3% | -12.3% | -14.5% | |
| Debt / EBITDA | 18.33 | 3012.13 | 72.90 | — | 2482.26 | — | 1871.73 | 4113.50 | 1109.25 | 628.13 | — | 546.45 | 648.06 |
| — | — | -96.1% | — | +123.8% | — | — | +652.8% | +71.2% | +42.4% | — | +6.4% | +117.5% | |
| Current Ratio | 0.41 | 0.75 | 0.41 | 0.51 | 0.55 | 0.52 | 0.55 | 0.79 | 0.71 | — | 0.66 | 0.64 | 0.69 |
| — | +44.6% | -25.0% | -36.1% | -23.0% | — | -16.3% | +24.6% | +2.5% | — | -13.3% | -15.7% | -13.6% | |
| Quick Ratio | 0.41 | 0.75 | 0.41 | 0.51 | 0.55 | 0.52 | 0.55 | 0.79 | 0.71 | — | 0.66 | 0.64 | 0.69 |
| — | +44.6% | -25.0% | -36.1% | -23.0% | — | -16.3% | +24.6% | +2.5% | — | -13.3% | -15.7% | -13.6% | |
| Interest Coverage | 0.96 | 0.02 | 0.99 | -0.18 | 0.03 | -0.01 | 0.04 | 0.01 | 0.06 | 0.10 | -0.04 | 0.13 | 0.10 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Navient Corporation's current P/E is -10.9x. The average P/E over the last 2 quarters is 18.6x. 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 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.