Navient (NAVI) Debt/Equity Ratio: History & Chart

Navient Corporation(NAVI)

Financial - Credit Services · Herndon, VA

$9.05+0.01 (+0.12%)

Delayed quote: Oct 6, 2026, 11:15 AM EDT

About Navient Corporation

Navient Corporation specializes in managing education loans and delivering comprehensive business processing services. Its clientele spans the education, healthcare, and government sectors, serving federal, state, and local entities across the United States. The company's operations are divided into three primary segments: Federal Education Loans, Consumer Lending, and Business Processing. Within its Federal Education Loans segment, Navient holds Federal Family Education Loan Program (FFELP) loans, which are backed by state or non-profit agency guarantees. This division also handles the servicing and recovery of its own loan assets, alongside offering asset recovery solutions for FFELP loans held by other organizations. Its Consumer Lending activities involve the ownership, origination, acquisition, and ongoing servicing of private education loans, including both in-school financing and refinancing options. The Business Processing segment extends to various healthcare services, encompassing outsourced revenue cycle management, accounts receivable administration, supplementary business office support, consulting, and public health program management. Furthermore, it provides tailored business processing solutions to state governments, their agencies, judicial systems, local municipalities, and authorities overseeing parking and toll collection. These customizable offerings serve a diverse range of clients, such as hospitals, healthcare networks, medical centers, large physician practices, other healthcare providers, and public health departments. Navient also manages corporate liquidity portfolios. Established in 1973, Navient Corporation maintains its headquarters in Wilmington, Delaware.

Herndon, VA

670 employees

www.navient.com

Financial Services / Financial - Credit Services

Sector: Financial Services
Industry: Financial - Credit Services
CEO: Edward John Bramson

View full financials

NAVI Debt to Equity Ratio Metrics

DEBT TO EQUITY RATIO

18.49

DEBT TO EQUITY RATIO AVG TTM

18.79

DEBT TO EQUITY RATIO AVG 3Y

19.35

DEBT TO EQUITY RATIO AVG 5Y

21.82

DEBT TO EQUITY RATIO AVG 10Y

26.67

DEBT TO EQUITY RATIO AVG 15Y

27.56

DEBT TO EQUITY RATIO AVG 20Y

N/A

CURRENT VS TTM AVG

-1.61%

CURRENT VS 3Y AVG

-4.45%

CURRENT VS 5Y AVG

-15.26%

CURRENT VS 10Y AVG

-30.67%

CURRENT VS 15Y AVG

-32.91%

CURRENT VS 20Y AVG

N/A

SECTOR MEDIAN · FINANCIAL SERVICES

0.34

median of 539 covered companies

CURRENT VS SECTOR MEDIAN

+5337.99%

vs the sector median at left

NAME	MARKET CAP	DEBT TO EQUITY RATIO	TTM	3Y	5Y
Navient Corporation (NAVI)	$850.67M	18.49	18.79	19.35	21.82
Capital City Bank Group, Inc. (CCBG)vs ›	$848.82M	0.14	0.17	0.21	0.24
Eagle Bancorp, Inc. (EGBN)vs ›	$868.06M	0.18	0.30	0.67	0.58
Great Southern Bancorp, Inc. (GSBC)vs ›	$868.84M	0.80	0.46	0.44	0.45
Oxford Lane Capital Corp. (OXLCO)vs ›	$820.48M	0.47	0.50	0.35	0.37
Orrstown Financial Services, Inc. (ORRF)vs ›	$816.96M	0.45	0.49	0.58	0.50
Lufax Holding Ltd (LU)vs ›	$884.02M	0.92	1.02	0.69	0.58
Alerus Financial Corporation (ALRS)vs ›	$815.13M	0.77	0.71	0.92	0.68
GCM Grosvenor Inc. (GCMG)vs ›	$809.62M	16.30	17.79	17.79	17.79
First Community Bankshares, Inc. (FCBC)vs ›	$907.40M	0.01	0.00	0.00	0.00

NAME

MARKET CAP

DEBT TO EQUITY RATIO

TTM

Navient Corporation (NAVI)

$850.67M

18.49

18.79

19.35

21.82

Capital City Bank Group, Inc. (CCBG)vs ›

$848.82M

0.14

0.17

0.21

0.24

Eagle Bancorp, Inc. (EGBN)vs ›

$868.06M

0.18

0.30

0.67

0.58

Great Southern Bancorp, Inc. (GSBC)vs ›

$868.84M

0.80

0.46

0.44

0.45

Oxford Lane Capital Corp. (OXLCO)vs ›

$820.48M

0.47

0.50

0.35

0.37

Orrstown Financial Services, Inc. (ORRF)vs ›

$816.96M

0.45

0.49

0.58

0.50

Lufax Holding Ltd (LU)vs ›

$884.02M

0.92

1.02

0.69

0.58

Alerus Financial Corporation (ALRS)vs ›

$815.13M

0.77

0.71

0.92

0.68

GCM Grosvenor Inc. (GCMG)vs ›

$809.62M

16.30

17.79

First Community Bankshares, Inc. (FCBC)vs ›

$907.40M

0.01

0.00

Debt to Equity Ratio FAQ

What is the debt to equity ratio for Navient Corporation (NAVI)?

The debt to equity ratio for NAVI stock is 18.49.

Is Navient Corporation's debt to equity ratio high or low?

The debt to equity ratio of 18.49 is 15% below its 5-year average of 21.82, near the low end of its 5-year range (18.32–29.54).

What is the TTM average debt to equity ratio for Navient Corporation (NAVI)?

The TTM average debt to equity ratio for NAVI stock is 18.79.

What is the 3Y average debt to equity ratio for Navient Corporation (NAVI)?

The 3Y average debt to equity ratio for NAVI stock is 19.35.

What is the 5Y average debt to equity ratio for Navient Corporation (NAVI)?

The 5Y average debt to equity ratio for NAVI stock is 21.82.

What is the 10Y average debt to equity ratio for Navient Corporation (NAVI)?

The 10Y average debt to equity ratio for NAVI stock is 26.67.

What is the 15Y average debt to equity ratio for Navient Corporation (NAVI)?

The 15Y average debt to equity ratio for NAVI stock is 27.56.

DATE	DEBT TO EQUITY RATIO
2026-06-30	18.49
2026-03-31	18.99
2025-12-31	19.07
2025-09-30	19.02
2025-06-30	18.39
2025-03-31	18.52
2024-12-31	18.43
2024-09-30	18.32
2024-06-30	19.38
2024-03-31	19.98
2023-12-31	20.98
2023-09-30	20.74
2023-06-30	21.23
2023-03-31	21.48
2022-12-31	22.64
2022-09-30	23.66
2022-06-30	24.84
2022-03-31	26.46
2021-12-31	29.54
2021-09-30	28.65
2021-06-30	29.39
2021-03-31	29.74
2020-12-31	34.27
2020-09-30	38.04
2020-06-30	41.23
2020-03-31	43.96
2019-12-31	27.05
2019-09-30	28.36
2019-06-30	28.36
2019-03-31	27.96
2018-12-31	28.22
2018-09-30	27.28
2018-06-30	27.96
2018-03-31	29.69
2017-12-31	31.78
2017-09-30	31.70
2017-06-30	32.45
2017-03-31	30.81
2016-12-31	31.21
2016-09-30	32.06
2016-06-30	33.07
2016-03-31	32.71
2015-12-31	32.62
2015-09-30	33.66
2015-06-30	33.89
2015-03-31	33.35
2014-12-31	33.01
2014-09-30	31.85
2014-06-30	33.32
2014-03-31	26.05
2013-12-31	26.32
2013-09-30	24.34
2013-06-30	25.03
2013-03-31	28.73
2012-12-31	0.00
2012-09-30	0.00

DATE

DEBT TO EQUITY RATIO

2026-06-30

18.49

2026-03-31

18.99

2025-12-31

19.07

2025-09-30

19.02

2025-06-30

18.39

2025-03-31

18.52

2024-12-31

18.43

2024-09-30

18.32

2024-06-30

19.38

2024-03-31

19.98

2023-12-31

20.98

2023-09-30

20.74

2023-06-30

21.23

2023-03-31

21.48

2022-12-31

22.64

2022-09-30

23.66

2022-06-30

24.84

2022-03-31

26.46

2021-12-31

29.54

2021-09-30

28.65

2021-06-30

29.39

2021-03-31

29.74

2020-12-31

34.27

2020-09-30

38.04

2020-06-30

41.23

2020-03-31

43.96

2019-12-31

27.05

2019-09-30

28.36

2019-06-30

28.36

2019-03-31

27.96

2018-12-31

28.22

2018-09-30

27.28

2018-06-30

27.96

2018-03-31

29.69

2017-12-31

31.78

2017-09-30

31.70

2017-06-30

32.45

2017-03-31

30.81

2016-12-31

31.21

2016-09-30

32.06

2016-06-30

33.07

2016-03-31

32.71

2015-12-31

32.62

2015-09-30

33.66

2015-06-30

33.89

2015-03-31

33.35

2014-12-31

33.01

2014-09-30

31.85

2014-06-30

33.32

2014-03-31

26.05

2013-12-31

26.32

2013-09-30

24.34

2013-06-30

25.03

2013-03-31

28.73

2012-12-31

0.00

2012-09-30

0.00

Debt to Equity Ratio: 18.49

NAVI Debt to Equity Ratio

NAVI Average Debt to Equity Ratio Chart

NAVI Current vs Average Debt to Equity Ratio Chart

NAVI Debt to Equity Ratio Metrics

NAVI Competitors' Debt to Equity Ratio

Financial Health

Debt to Equity Ratio Formula & Definition

Debt to Equity Ratio FAQ

NAVI Debt to Equity Ratio History

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