Navient Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 19, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	764	1,080	1,378	1,981	2,087	3,007
Market Cap Growth	-46.20%	-21.67%	-30.41%	-5.12%	-30.59%	101.10%
PE Ratio	-	-	10.89	9.60	3.46	4.77
PS Ratio	2.72	3.84	1.68	1.89	1.35	1.51
PB Ratio	0.37	0.53	0.54	0.79	0.75	1.31
P/OCF Ratio	-	-	3.11	3.24	7.31	4.87
Debt / Equity Ratio	19.05	19.05	18.39	20.95	22.56	29.61
Net Debt / Equity Ratio	18.79	18.79	18.11	20.63	22.02	29.18
Quick Ratio	8.72	8.72	9.15	13.14	10.78	27.82
Current Ratio	9.01	9.01	9.41	13.59	11.33	28.85
Asset Turnover	0.01	0.01	0.02	0.02	0.02	0.03
Return on Equity (ROE)	-3.17%	-3.17%	4.85%	7.95%	23.10%	28.37%
Return on Assets (ROA)	-0.16%	-0.16%	0.23%	0.34%	0.85%	0.85%
Return on Invested Capital (ROIC)	-0.19%	-0.19%	0.22%	0.39%	0.90%	0.95%
Earnings Yield	-8.92%	-6.31%	9.18%	10.42%	28.91%	20.96%
Dividend Yield	7.03%	5.09%	5.28%	3.75%	4.43%	3.55%
Payout Ratio	-	-	53.44%	34.21%	14.11%	14.92%
Buyback Yield / Dilution	10.81%	10.81%	9.76%	14.58%	16.28%	11.79%
Total Shareholder Return	17.84%	15.90%	15.03%	18.33%	20.71%	15.35%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.