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Navient (NAVI)
NASDAQ:NAVI
US Market
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Navient (NAVI) Ratios

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Navient Ratios

NAVI's free cash flow for Q3 2025 was $0.96. For the 2025 fiscal year, NAVI's free cash flow was decreased by $ and operating cash flow was $0.67. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.38 0.20 0.69 1.33 0.56
Quick Ratio
0.38 0.20 -0.57 -0.93 -0.29
Cash Ratio
0.38 0.20 0.28 0.36 0.18
Solvency Ratio
>-0.01 <0.01 0.02 0.02 0.02
Operating Cash Flow Ratio
0.06 0.16 0.06 0.28 0.15
Short-Term Operating Cash Flow Coverage
0.06 0.16 0.05 0.28 0.15
Net Current Asset Value
$ -44.99B$ -57.78B$ -64.04B$ -74.68B$ -81.28B
Leverage Ratios
Debt-to-Assets Ratio
0.10 0.93 0.94 0.96 0.96
Debt-to-Equity Ratio
2.02 20.76 22.47 29.64 34.50
Debt-to-Capital Ratio
0.67 0.95 0.96 0.97 0.97
Long-Term Debt-to-Capital Ratio
0.00 0.95 0.95 0.97 0.97
Financial Leverage Ratio
20.22 22.24 23.78 31.04 35.93
Debt Service Coverage Ratio
0.37 0.50 0.34 0.64 -0.01
Interest Coverage Ratio
0.61 0.10 1.39 0.71 0.26
Debt to Market Cap
4.24 25.33 26.41 21.34 44.29
Interest Debt Per Share
76.95 498.82 485.90 460.55 445.55
Net Debt to EBITDA
1.09 14.29 22.32 28.64 0.00
Profitability Margins
Gross Profit Margin
68.40%30.80%68.16%45.41%42.89%
EBIT Margin
59.35%340.92%173.98%101.85%-1.24%
EBITDA Margin
82.28%341.78%168.62%120.13%0.00%
Operating Profit Margin
48.08%29.93%168.62%42.33%31.52%
Pretax Profit Margin
-2.30%27.08%47.61%42.33%31.52%
Net Profit Margin
-1.47%19.72%37.13%32.43%24.41%
Continuous Operations Profit Margin
-1.47%19.72%37.13%32.43%24.41%
Net Income Per EBT
64.10%72.84%77.99%76.60%77.44%
EBT Per EBIT
-4.78%90.46%28.23%100.00%100.00%
Return on Assets (ROA)
-0.10%0.37%0.91%0.89%0.47%
Return on Equity (ROE)
-1.95%8.26%21.67%27.61%16.93%
Return on Capital Employed (ROCE)
3.67%0.61%4.48%1.20%0.66%
Return on Invested Capital (ROIC)
45.32%0.41%40.91%16.29%8.54%
Return on Tangible Assets
-0.10%0.38%0.92%0.90%0.48%
Earnings Yield
-4.33%10.04%27.61%19.88%21.74%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.77 0.92 0.67
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.08 0.21 0.17
Fixed Asset Turnover
0.00 18.65 23.47 23.27 14.55
Asset Turnover
0.07 0.02 0.02 0.03 0.02
Working Capital Turnover Ratio
-1.19 -0.46 -4.04 -2.10 -0.43
Cash Conversion Cycle
0.00 0.00 5.04K 2.10K 2.66K
Days of Sales Outstanding
0.00 0.00 471.96 397.69 541.66
Days of Inventory Outstanding
0.00 0.00 4.57K 1.70K 2.12K
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
0.00 0.00 5.04K 2.10K 2.66K
Cash Flow Ratios
Operating Cash Flow Per Share
2.78 5.54 2.15 4.13 5.11
Free Cash Flow Per Share
2.78 5.54 2.15 4.13 5.11
CapEx Per Share
0.00 0.00 0.00 0.00 0.00
Free Cash Flow to Operating Cash Flow
1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
4.23 8.67 3.35 6.56 8.02
Capital Expenditure Coverage Ratio
0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Coverage Ratio
0.06 0.01 <0.01 <0.01 0.01
Operating Cash Flow to Sales Ratio
0.08 0.58 0.18 0.32 0.58
Free Cash Flow Yield
23.70%29.76%13.06%19.46%52.08%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
-23.07 9.96 3.62 5.03 4.60
Price-to-Sales (P/S) Ratio
0.34 1.97 1.34 1.63 1.12
Price-to-Book (P/B) Ratio
0.47 0.82 0.78 1.39 0.78
Price-to-Free Cash Flow (P/FCF) Ratio
4.22 3.36 7.66 5.14 1.92
Price-to-Operating Cash Flow Ratio
4.19 3.36 7.66 5.14 1.92
Price-to-Earnings Growth (PEG) Ratio
0.09 -0.17 0.48 0.05 -0.25
Price-to-Fair Value
0.47 0.82 0.78 1.39 0.78
Enterprise Value Multiple
1.51 14.87 23.11 30.00 0.00
Enterprise Value
4.21B 58.73B 67.70B 79.68B 84.66B
EV to EBITDA
1.51 14.87 23.11 30.00 0.00
EV to Sales
1.24 50.81 38.97 36.04 50.15
EV to Free Cash Flow
15.30 86.88 221.96 113.50 85.77
EV to Operating Cash Flow
15.30 86.88 221.96 113.50 85.77
Tangible Book Value Per Share
24.67 16.93 16.00 11.08 8.87
Shareholders’ Equity Per Share
24.67 22.62 20.96 15.28 12.61
Tax and Other Ratios
Effective Tax Rate
0.36 0.27 0.22 0.23 0.23
Revenue Per Share
34.31 9.48 12.23 13.01 8.75
Net Income Per Share
-0.51 1.87 4.54 4.22 2.13
Tax Burden
0.64 0.73 0.78 0.77 0.77
Interest Burden
-0.04 0.08 0.27 0.42 -25.33
Research & Development to Revenue
0.00 0.00 <0.01 <0.01 <0.01
SG&A to Revenue
0.10 0.35 0.26 0.26 0.29
Stock-Based Compensation to Revenue
<0.01 0.02 0.01 <0.01 0.01
Income Quality
-5.39 2.96 0.47 0.98 2.40
Currency in USD
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