Navient Ratios and Metrics

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

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 18, 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 Cap	578	4,065	4,375	3,176	3,012	4,137
Market Cap Growth	-48.33%	-7.08%	37.74%	5.45%	-27.19%	18.01%
Enterprise Value	-	4,026	4,293	2,250	1,789	3,497
PE Ratio	-	7.82	10.29	7.93	9.43	5.45
Forward PE	12.00	12.02	9.80	6.67	5.53	6.69
PEG Ratio	-	0.15	0.15	0.15	0.15	0.15
PS Ratio	2.36	1.03	1.11	0.81	0.98	1.54
PB Ratio	0.32	2.20	2.69	2.24	2.31	2.55
P/TBV Ratio	0.71	2.33	2.81	2.38	2.51	2.93
P/FCF Ratio	-	-13.53	-17.62	-29.13	800.32	-110.80
P/OCF Ratio	1.77	-13.53	-17.62	-29.13	800.32	-110.80
EV/Sales Ratio	-	1.02	1.09	0.58	0.58	1.31
EV/EBITDA Ratio	-	10.08	12.56	4.85	7.39	5.02
EV/EBIT Ratio	-	10.47	13.23	5.62	8.01	5.11
EV/FCF Ratio	-	-13.40	-17.29	-20.63	475.27	-93.68
Debt / Equity Ratio	2.39	2.39	2.98	2.78	3.03	2.76
Debt / EBITDA Ratio	11.06	11.06	14.21	8.49	16.30	6.42
Debt / FCF Ratio	-14.70	-14.70	-19.55	-36.14	1048.70	-119.76
Net Debt / Equity Ratio	-0.12	-0.12	-0.17	-0.79	-1.08	-0.51
Net Debt / EBITDA Ratio	-0.57	-0.57	-0.79	-2.40	-5.83	-1.19
Net Debt / FCF Ratio	0.76	0.76	1.09	10.23	-375.34	22.19
Asset Turnover	0.18	0.18	0.18	0.18	0.14	0.12
Quick Ratio	0.37	0.37	0.42	0.39	0.41	0.41
Current Ratio	0.43	0.43	0.42	0.40	0.41	0.42
Return on Equity (ROE)	32.31%	32.31%	30.11%	32.23%	24.20%	49.25%
Return on Assets (ROA)	1.28%	1.28%	1.11%	1.37%	0.76%	2.28%
Return on Invested Capital (ROIC)	16.19%	16.19%	21.76%	74.66%	27.22%	46.87%
Return on Capital Employed (ROCE)	5.93%	5.93%	5.21%	7.14%	3.76%	11.01%
Earnings Yield	-10.28%	12.79%	9.72%	12.60%	10.60%	18.35%
FCF Yield	-	-7.39%	-5.68%	-3.43%	0.12%	-0.90%
Dividend Yield	5.82%	1.92%	1.66%	2.29%	2.63%	0.98%
Payout Ratio	-	14.77%	16.81%	17.96%	24.56%	5.23%
Buyback Yield / Dilution	6.84%	6.84%	4.27%	8.31%	17.85%	27.90%
Total Shareholder Return	12.66%	8.76%	5.94%	10.60%	20.48%	28.87%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.