What is Navient's net margin?

Navient (NAVI) reported net margin of 48.3% in Q4 2024.

What is the long-term trend for Navient's net margin?

Over 3 years (2020 to 2024), Navient's net margin has grown at a -23.0% compound annual growth rate (CAGR), from 105.9% to 48.3%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

Navient NAVI Net margin

Net margin at other companies

SoFi Technologies, Inc.SOFI

14.6%-2.6pp

Great Southern BancorpGSBC

31.2%+1.9pp

Enova InternationalENVA

10%+1.6pp

WaFd, Inc.WAFD

33.1%+1.8pp

EFC

Ellington Financial Inc.EFC

34.6%+6.1pp

Independent Bank CorporationIBCP

30.3%+0.7pp

Other financials

Income statement

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Revenue$43.0M-46.9%

Net income$17.0M+950%

EPS (diluted)$0.17+950%

Balance sheet

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Cash & equivalents$621.0M-3.3%

Total debt$45.1B-5.5%

Total equity$3.0B+4.7%

Total assets$48.0B-5.8%

Cash flow

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Operating cash flow-$47.0M-166%

Valuation

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Market cap$792.33M-42.0%

Enterprise value$45.28B-6.5%

P/S2.9×-0.7×

Returns & leverage

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Return on equity17.3%-4.8pp

Debt / equity21.3×-5.1×

Where this comes from

Calculated from Navient’s reported figures.

net income/total revenue=48.3%

Based on trailing twelve months.

The official record: Navient’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Navient's net margin?: Navient (NAVI) reported net margin of 48.3% in Q4 2024.
What is the long-term trend for Navient's net margin?: Over 3 years (2020 to 2024), Navient's net margin has grown at a -23.0% compound annual growth rate (CAGR), from 105.9% to 48.3%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.