Navient (NAVI) Operating Margin: History & Chart

Navient Corporation(NAVI)

Financial - Credit Services · Herndon, VA

$8.93-0.11 (-1.22%)

Delayed quote: Oct 6, 2026, 4:00 PM 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 Operating Margin Metrics

OPERATING MARGIN

77.14%

OPERATING MARGIN AVG TTM

31.09%

OPERATING MARGIN AVG 3Y

3.22%

OPERATING MARGIN AVG 5Y

9.23%

OPERATING MARGIN AVG 10Y

12.82%

OPERATING MARGIN AVG 15Y

19.18%

OPERATING MARGIN AVG 20Y

N/A

CURRENT VS TTM AVG

+148.09%

CURRENT VS 3Y AVG

+2295.52%

CURRENT VS 5Y AVG

+735.68%

CURRENT VS 10Y AVG

+501.70%

CURRENT VS 15Y AVG

+302.09%

CURRENT VS 20Y AVG

N/A

SECTOR MEDIAN · FINANCIAL SERVICES

16.09%

median of 716 covered companies

CURRENT VS SECTOR MEDIAN

+379.43%

vs the sector median at left

NAME	MARKET CAP	OPERATING MARGIN	TTM	3Y	5Y
Navient Corporation (NAVI)	$839.33M	77.14%	31.09%	3.22%	9.23%
Capital City Bank Group, Inc. (CCBG)vs ›	$843.00M	30.04%	27.48%	25.36%	25.05%
World Acceptance Corporation (WRLD)vs ›	$824.71M	8.65%	17.89%	14.38%	14.97%
South Plains Financial, Inc. (SPFI)vs ›	$818.67M	27.18%	23.66%	27.70%	27.83%
Eagle Bancorp, Inc. (EGBN)vs ›	$861.20M	-26.88%	-15.57%	7.72%	21.67%
Oxford Lane Capital Corp. (OXLCO)vs ›	$817.02M	-135.44%	-42.42%	15.56%	34.37%
Great Southern Bancorp, Inc. (GSBC)vs ›	$862.74M	23.16%	23.34%	27.22%	29.60%
Alerus Financial Corporation (ALRS)vs ›	$813.16M	10.36%	6.87%	10.87%	16.20%
Orrstown Financial Services, Inc. (ORRF)vs ›	$812.04M	29.94%	19.41%	21.12%	23.95%
GCM Grosvenor Inc. (GCMG)vs ›	$805.64M	28.25%	18.09%	14.12%	10.98%

NAME

MARKET CAP

OPERATING MARGIN

TTM

Navient Corporation (NAVI)

$839.33M

77.14%

31.09%

3.22%

9.23%

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

$843.00M

30.04%

27.48%

25.36%

25.05%

World Acceptance Corporation (WRLD)vs ›

$824.71M

8.65%

17.89%

14.38%

14.97%

South Plains Financial, Inc. (SPFI)vs ›

$818.67M

27.18%

23.66%

27.70%

27.83%

Eagle Bancorp, Inc. (EGBN)vs ›

$861.20M

-26.88%

-15.57%

7.72%

21.67%

Oxford Lane Capital Corp. (OXLCO)vs ›

$817.02M

-135.44%

-42.42%

15.56%

34.37%

Great Southern Bancorp, Inc. (GSBC)vs ›

$862.74M

23.16%

23.34%

27.22%

29.60%

Alerus Financial Corporation (ALRS)vs ›

$813.16M

10.36%

6.87%

10.87%

16.20%

Orrstown Financial Services, Inc. (ORRF)vs ›

$812.04M

29.94%

19.41%

21.12%

23.95%

GCM Grosvenor Inc. (GCMG)vs ›

$805.64M

28.25%

18.09%

14.12%

10.98%

Operating Margin FAQ

What is the operating margin for Navient Corporation (NAVI)?

The operating margin for NAVI stock is 77.14%.

Is Navient Corporation's operating margin high or low?

The operating margin of 77.14% is 736% above its 5-year average of 9.23%, near the high end of its 5-year range (-14.63%–84.02%).

What is the TTM average operating margin for Navient Corporation (NAVI)?

The TTM average operating margin for NAVI stock is 31.09%.

What is the 3Y average operating margin for Navient Corporation (NAVI)?

The 3Y average operating margin for NAVI stock is 3.22%.

What is the 5Y average operating margin for Navient Corporation (NAVI)?

The 5Y average operating margin for NAVI stock is 9.23%.

What is the 10Y average operating margin for Navient Corporation (NAVI)?

The 10Y average operating margin for NAVI stock is 12.82%.

What is the 15Y average operating margin for Navient Corporation (NAVI)?

The 15Y average operating margin for NAVI stock is 19.18%.

DATE	OPERATING MARGIN
2026-06-30	84.02%
2026-03-31	1.58%
2025-12-31	82.26%
2025-09-30	-14.63%
2025-06-30	2.23%
2025-03-31	-0.60%
2024-12-31	2.66%
2024-09-30	1.19%
2024-06-30	4.40%
2024-03-31	7.57%
2023-12-31	-3.13%
2023-09-30	8.46%
2023-06-30	7.83%
2023-03-31	12.42%
2022-12-31	10.06%
2022-09-30	13.29%
2022-06-30	29.54%
2022-03-31	39.10%
2021-12-31	-1.07%
2021-09-30	26.19%
2021-06-30	28.27%
2021-03-31	48.59%
2020-12-31	25.86%
2020-09-30	27.61%
2020-06-30	17.86%
2020-03-31	-13.95%
2019-12-31	16.83%
2019-09-30	13.58%
2019-06-30	14.04%
2019-03-31	58.51%
2018-12-31	7.70%
2018-09-30	10.16%
2018-06-30	8.25%
2018-03-31	11.71%
2017-12-31	13.19%
2017-09-30	19.16%
2017-06-30	13.96%
2017-03-31	12.08%
2016-12-31	19.31%
2016-09-30	27.95%
2016-06-30	17.90%
2016-03-31	23.45%
2015-12-31	34.58%
2015-09-30	30.21%
2015-06-30	23.32%
2015-03-31	35.14%
2014-12-31	32.41%
2014-09-30	39.51%
2014-06-30	34.34%
2014-03-31	24.22%
2013-12-31	24.20%
2013-09-30	27.54%
2013-06-30	44.41%
2013-03-31	37.22%
2012-12-31	69.70%
2012-09-30	60.55%

DATE

OPERATING MARGIN

2026-06-30

84.02%

2026-03-31

1.58%

2025-12-31

82.26%

2025-09-30

-14.63%

2025-06-30

2.23%

2025-03-31

-0.60%

2024-12-31

2.66%

2024-09-30

1.19%

2024-06-30

4.40%

2024-03-31

7.57%

2023-12-31

-3.13%

2023-09-30

8.46%

2023-06-30

7.83%

2023-03-31

12.42%

2022-12-31

10.06%

2022-09-30

13.29%

2022-06-30

29.54%

2022-03-31

39.10%

2021-12-31

-1.07%

2021-09-30

26.19%

2021-06-30

28.27%

2021-03-31

48.59%

2020-12-31

25.86%

2020-09-30

27.61%

2020-06-30

17.86%

2020-03-31

-13.95%

2019-12-31

16.83%

2019-09-30

13.58%

2019-06-30

14.04%

2019-03-31

58.51%

2018-12-31

7.70%

2018-09-30

10.16%

2018-06-30

8.25%

2018-03-31

11.71%

2017-12-31

13.19%

2017-09-30

19.16%

2017-06-30

13.96%

2017-03-31

12.08%

2016-12-31

19.31%

2016-09-30

27.95%

2016-06-30

17.90%

2016-03-31

23.45%

2015-12-31

34.58%

2015-09-30

30.21%

2015-06-30

23.32%

2015-03-31

35.14%

2014-12-31

32.41%

2014-09-30

39.51%

2014-06-30

34.34%

2014-03-31

24.22%

2013-12-31

24.20%

2013-09-30

27.54%

2013-06-30

44.41%

2013-03-31

37.22%

2012-12-31

69.70%

2012-09-30

60.55%

Operating Margin: 77.14%

NAVI Operating Margin

NAVI Average Operating Margin Chart

NAVI Current vs Average Operating Margin Chart

NAVI Operating Margin Metrics

NAVI Competitors' Operating Margin

Operating Efficiency

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Operating Margin FAQ

NAVI Operating Margin History

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