Company / Return on Equity (ROE)
Navient Return on Equity (ROE) History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Return on Equity (ROE)
-3.3%
FY2025
5-year range
-3.3% / 27.6%
FY2021-FY2025
Trend
-167.1%
vs FY2024
Sector context
#361 of 388
Financials
What the data says
Navient reports negative total equity of -3.3% in FY2025. Negative equity can occur when accumulated losses exceed contributed capital, as reported in the balance sheet from the SEC filing.
Based on SEC 10-K filings.
-3.3% in FY2025 with a 5-year CAGR of -20.3%.
Declined from 8.3% to -3.3% over the past 2 years.
Financials sector context is included.
Return on Equity (ROE) over time
Growth rates
- 3-Year Change
- -25.0pp
- 5-Year Change
- -20.3pp
- 10-Year Change
- -
Sector benchmark
Bottom 7% in FinancialsTop 93% of 388This company -3.3% Sector average 16.4%
▼
-120.4% below sector average
Key checks
Key Insights
- Navient's return on equity (roe) has declined for 4 consecutive years.
- In FY2025, return on equity (roe) decreased 167.1% year-over-year.
- Currently 19.7pp below the Financials sector average.
- Peak return on equity (roe) was recorded in FY2021.
Company context
Key Data Points
- Strong profit margin: 48.3%
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Return on Equity (ROE)Value | YoY GrowthYoY |
|---|---|---|
| FY2025 | -3.3% | -167.1% |
| FY2024 | 5.0% | -40.0% |
| FY2023 | 8.3% | -61.9% |
| FY2022 | 21.7% | -21.5% |
| FY2021 | 27.6% | +63.1% |
| FY2020 | 16.9% | -5.4% |
| FY2019 | 17.9% | +59.5% |
| FY2018 | 11.2% | +33.9% |
| FY2017 | 8.4% | -54.2% |
| FY2016 | 18.3% | -26.9% |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026