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NAVIENT CORP

NAVI

$9.07 ▼ -0.41 (-4.32%) at close

15 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

NAVIENT CORP faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $897.9M

Dividend Yield 7.06%

Revenue Growth -47.0% ↘

Op. Margin -18.2% ↘

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 0.4x

FCF Yield —

Debt / Equity 19.05

info Valuation on last close. End-of-day price, Aug 7, 2026.

15-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$610.00M

↓ -47.0% —

Net Income Profit after all expenses

$-80.00M

↓ -161.1% —

Operating Margin Operating profit as % of sales

-18.2%

↓ -220.5% 11th

Long-Term Debt Long-term obligations

$40.63B

↓ -5.9% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)
Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability

Returns

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.64 Latest / share

+0.0% YoY

+0.6% 12-yr CAGR

$0.60

FY 2014

$0.64

FY 2015

$0.64

FY 2016

$0.64

FY 2017

$0.64

FY 2018

$0.64

FY 2019

$0.64

FY 2020

$0.64

FY 2021

$0.64

FY 2022

$0.64

FY 2023

$0.64

FY 2024

$0.64

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Revenue Growth YoY (%)	-47.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-884%)	-9.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-256%)	-26.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-547%)	-18.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-413%)	27.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+352%)	-17.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-393%)	5.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-15%)	-12.0% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-301%)	-12.5% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-309%)	-19.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-420%)	-12.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-310%)	-11.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-297%)	17.4% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+190%)	—	—
EPS Growth YoY (%)	N/M	-35.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-58.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	97.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-17.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	70.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	43.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-50.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-19.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-13.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	64.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	-42.5% Weak ↓ Weak Declining Year-over-year change in net income	-64.7% Weak ↓ Weak Declining Year-over-year change in net income	-10.0% Weak ↓ Weak Declining Year-over-year change in net income	74.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-31.0% Weak ↓ Weak Declining Year-over-year change in net income	51.1% Excellent ↑ Excellent Improving Year-over-year change in net income	35.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-57.1% Weak ↓ Weak Declining Year-over-year change in net income	-31.7% Weak ↓ Weak Declining Year-over-year change in net income	-13.2% Weak ↓ Weak Declining Year-over-year change in net income	-19.0% Weak Weak Year-over-year change in net income	51.0% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-29.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-18.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-8.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-5.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.3% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-8.7% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-6.8% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-14.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-14.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-14.6% Weak Weak Compound annual revenue growth over 3 years	-3.3% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-18.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-10.8% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-8.1% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-4.7% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-3.3% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-11.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-10.6% Weak → Weak Stable Compound annual revenue growth over 5 years	-13.7% Weak Weak Compound annual revenue growth over 5 years	-8.5% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	-34.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-4.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	20.6% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	40.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	26.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-17.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-27.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-12.2% Weak Weak Compound annual EPS growth over 3 years	11.3% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Operating Margin (%) (%)	-18.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-173%)	15.1% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	24.6% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	47.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)	43.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	31.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	37.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	27.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	34.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	43.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	51.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+105%)	51.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+106%)	—	—	—
Effective Tax Rate (%) (%)	27.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.6% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.8% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	61.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.5% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.5% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	-13.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-160%)	11.4% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	17.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	37.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	33.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	24.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	29.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	20.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	13.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	27.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	31.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	32.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	35.0% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	27.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-3.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-128%)	5.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	—	21.7% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+81%)	27.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+130%)	16.9% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+41%)	17.9% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+49%)	11.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	8.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	18.4% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+53%)	25.1% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+109%)	27.4% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+128%)	25.2% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+110%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Debt to Equity (x)	19.05x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+1488%)	18.30x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+1425%)	—	22.47x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+1773%)	29.64x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+2370%)	34.50x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+2775%)	27.04x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+2153%)	28.12x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+2243%)	31.78x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+2549%)	31.01x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+2484%)	32.05x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+2571%)	33.24x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+2670%)	26.69x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+2124%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Revenue per Share (USD)	$6.16	$10.57	$10.42	$12.23	$12.58	$8.72	$8.87	$7.47	$8.03	$7.99	$8.31	$8.57	$9.21	$7.25	—
Basic EPS, GAAP (USD)	$-0.81	$1.20	$1.87	$4.54	$4.23	$2.14	$2.59	$1.52	$1.06	$2.15	$2.66	$2.74	$3.18	$1.93	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.64	$0.64	$0.64	$0.64	$0.64	$0.64	$0.64	$0.64	$0.64	$0.64	$0.64	$0.60	$0.60	$0.50	—
Book Value per Share (USD)	$24.23	$24.23	—	$20.96	$15.28	$12.61	$14.50	$13.53	$12.56	$11.71	$10.57	$10.07	$12.81	—	—
Tangible Book Value per Share (USD)	$19.91	$20.30	—	$16.25	$11.33	$9.16	$11.61	$10.98	$10.01	$9.98	$9.11	$9.22	$11.92	—	—
Basic Weighted Avg Shares (shares)	99.00M	109.00M	122.00M	142.00M	170.00M	193.00M	230.00M	260.00M	275.00M	316.00M	376.00M	417.00M	440.00M	476.00M	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	—	—	—	—	24.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.9% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	18.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	25.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$40.63B	$43.18B	$53.40B	$61.03B	$74.49B	$77.33B	$81.72B	$93.52B	$105.01B	$112.37B	$124.83B	$136.87B	$136.65B	—	—
Total Equity (USD)	$2.40B	$2.64B	—	$2.98B	$2.60B	$2.43B	$3.34B	$3.52B	$3.45B	$3.70B	$3.98B	$4.20B	$5.64B	—	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Sales/Revenue/Turnover (USD)	$610.00M	$1.15B	$1.27B	$1.74B	$2.14B	$1.68B	$2.04B	$1.94B	$2.21B	$2.52B	$3.12B	$3.57B	$4.05B	$3.45B	—
Net Income, GAAP (USD)	$-80.00M	$131.00M	$228.00M	$645.00M	$717.00M	$412.00M	$597.00M	$395.00M	$292.00M	$681.00M	$997.00M	$1.15B	$1.42B	$939.00M	—
Operating Cash Flow (USD)	$441.00M	$459.00M	$676.00M	$305.00M	$702.00M	$987.00M	$1.02B	$1.14B	$1.16B	$1.36B	$1.91B	$1.66B	$2.00B	$2.64B	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Net Interest Margin (approx.) (%)	1.1%	1.0%	1.4%	1.6%	1.7%	1.4%	1.2%	1.2%	1.2%	1.4%	1.7%	1.8%	2.0%	—	—
Efficiency Ratio (%) (%)	72.3%	75.1%	65.7%	47.8%	59.1%	59.2%	50.0%	53.8%	46.1%	39.1%	30.8%	31.0%	27.8%	27.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 15 years · 55 quarters

NAVIENT CORP

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