Navient Corp（NAVI）の財務NAVINavient Corp

Navient Corporation (NAVI) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Consumer Lending, accounting for 76.2% of total sales, equivalent to $93.00M. Other significant revenue streams include Federal Education Loans and Adjustments. Understanding this composition is critical for investors evaluating how NAVI navigates market cycles within the Consumer Lending industry.

Evaluating the bottom line, Navient Corporation maintains a gross margin of 20.57%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 5.96%, while the net margin is 3.55%. These profitability ratios, combined with a Return on Equity (ROE) of -1.98%, provide a clear picture of how effectively NAVI converts its operational activities into shareholder value.

In the context of the broader market, NAVI competes directly with industry leaders such as WRLD and FINV. With a market capitalization of $873.13M, it holds a significant position in the sector. When comparing efficiency, NAVI's gross margin of 20.57% stands against WRLD's 91.79% and FINV's N/A. Such benchmarking helps identify whether Navient Corporation is trading at a premium or discount relative to its financial performance.

Navient's recent financials show a mixed performance. In Q2 2026, the company reported a net income of $25 million, but it has faced significant losses in previous quarters, including a net loss of $86 million in Q3 2025. The gross margin stands at 20.57%, indicating some operational efficiency, but the overall trend shows volatility in earnings.