Basis: Trailing twelve months (TTM net income over the latest quarterly balance sheet). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on assets (ROA) high or low?
The return on assets (ROA) of -0.10% is 122% below its 5-year average of 0.46%, near the low end of its 5-year range (-0.16%–0.91%).
322.22% below its 12-month average of 0.04%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.05%.
RETURN ON ASSETS (ROA)
-0.10%
RETURN ON ASSETS (ROA) AVG TTM
0.04%
RETURN ON ASSETS (ROA) AVG 3Y
0.34%
RETURN ON ASSETS (ROA) AVG 5Y
0.46%
RETURN ON ASSETS (ROA) AVG 10Y
0.48%
RETURN ON ASSETS (ROA) AVG 15Y
N/A
RETURN ON ASSETS (ROA) AVG 20Y
N/A
CURRENT VS TTM AVG
-322.22%
CURRENT VS 3Y AVG
-129.20%
CURRENT VS 5Y AVG
-121.98%
CURRENT VS 10Y AVG
-120.83%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 665 covered companies
CURRENT VS SECTOR MEDIAN
-108.13%
vs the sector median at left
Navient Corporation
Market Cap
$843.56M
Return on Assets (ROA)
-0.10%
TTM Avg
0.04%
3Y Avg
0.34%
5Y Avg
0.46%
Market Cap
$845.57M
Return on Assets (ROA)
1.39%
TTM Avg
1.31%
3Y Avg
1.14%
5Y Avg
1.03%
Market Cap
$863.46M
Return on Assets (ROA)
-0.40%
TTM Avg
-0.82%
3Y Avg
0.12%
5Y Avg
0.53%
Market Cap
$820.55M
Return on Assets (ROA)
1.21%
TTM Avg
1.24%
3Y Avg
1.36%
5Y Avg
1.37%
Market Cap
$866.16M
Return on Assets (ROA)
1.22%
TTM Avg
1.15%
3Y Avg
1.20%
5Y Avg
1.21%
Market Cap
$817.02M
Return on Assets (ROA)
-31.96%
TTM Avg
-15.13%
3Y Avg
-7.41%
5Y Avg
1.72%
Market Cap
$815.17M
Return on Assets (ROA)
0.52%
TTM Avg
0.34%
3Y Avg
0.51%
5Y Avg
0.84%
Market Cap
$811.74M
Return on Assets (ROA)
1.54%
TTM Avg
0.93%
3Y Avg
0.94%
5Y Avg
0.98%
Market Cap
$805.44M
Return on Assets (ROA)
6.57%
TTM Avg
4.31%
3Y Avg
3.80%
5Y Avg
3.26%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Navient Corporation (NAVI) | $843.56M | -0.10% | 0.04% | 0.34% | 0.46% |
| Capital City Bank Group, Inc. (CCBG)vs › | $845.57M | 1.39% | 1.31% | 1.14% | 1.03% |
| Eagle Bancorp, Inc. (EGBN)vs › | $863.46M | -0.40% | -0.82% | 0.12% | 0.53% |
| South Plains Financial, Inc. (SPFI)vs › | $820.55M | 1.21% | 1.24% | 1.36% | 1.37% |
| Great Southern Bancorp, Inc. (GSBC)vs › | $866.16M | 1.22% | 1.15% | 1.20% | 1.21% |
| Oxford Lane Capital Corp. (OXLCO)vs › | $817.02M | -31.96% | -15.13% | -7.41% | 1.72% |
| Alerus Financial Corporation (ALRS)vs › | $815.17M | 0.52% | 0.34% | 0.51% | 0.84% |
| Orrstown Financial Services, Inc. (ORRF)vs › | $811.74M | 1.54% | 0.93% | 0.94% | 0.98% |
| GCM Grosvenor Inc. (GCMG)vs › | $805.44M | 6.57% | 4.31% | 3.80% | 3.26% |
| Lufax Holding Ltd (LU)vs › | $875.36M | -1.07% | -0.98% | 0.63% | 2.30% |
ROA
-0.1%
ROE
-2.0%
ROA = Net Income / Total Assets
Return on assets measures how efficiently a company generates profit from its total assets.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON ASSETS (ROA) |
|---|---|
| 2025-12-31 | -0.16% |
| 2024-12-31 | 0.25% |
| 2023-12-31 | 0.37% |
| 2022-12-31 | 0.91% |
| 2021-12-31 | 0.89% |
| 2020-12-31 | 0.47% |
| 2019-12-31 | 0.63% |
| 2018-12-31 | 0.38% |
| 2017-12-31 | 0.25% |
| 2016-12-31 | 0.56% |
| 2015-12-31 | 0.73% |
| 2014-12-31 | 0.78% |
| 2013-12-31 | 0.89% |
| 2012-12-31 | 0.52% |
