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NavientNAVI -1.57%58 Debt-to-Equity is 18.31 as of Jun. 2026, which is 33% below its 10-year median of 27.21. GuruFocus rates NAVI with a GF Score™ of 58/100 and a GF Value™ of $9.74 (Fairly Valued). The stock has 3 warning signs investors should review. Among 456 Credit Services companies, Navient ranks worse than 98.25% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Navient's Debt-to-Equity or its related term are showing as below:
NAVI'
s Debt-to-Equity Range Over the Past 10 Years
Min: 18.13 Med: 27.21 Max: 43.09
Current: 18.31
During the past 13 years, the highest Debt-to-Equity Ratio of Navient was 43.09. The lowest was 18.13. And the median was 27.21.
NAVI's Debt-to-Equity is ranked worse than 98.25% of 456
companies
in the Credit Services industry
Industry Median: 1.235
vs NAVI: 18.31
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Navient Debt-to-Equity Related Terms
Navient Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Navient's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NAVI vs OPFI, GDOT, PRAA: Debt-to-Equity Comparison
For the Credit Services subindustry, Navient's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Navient Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Navient's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Navient's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Navient (NAVI) has a Debt-to-Equity of 18.31 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Navient and its competitors. This is 33% below median its historical median of 27.21. Over the past decade, Navient's Debt-to-Equity has ranged from 18.13 to 43.09. According to the industry distribution chart, Navient ranks #448 out of 456 companies in the Credit Services industry, placing it in the top 98.2%.
Is Navient's Debt-to-Equity too high?
Navient's current Debt-to-Equity of 18.31 is 33% below median its 10-year median of 27.21. Over the past 10 years, this metric has ranged from a low of 18.13 to a high of 43.09. The Credit Services industry median Debt-to-Equity is 1.24. Navient's value of 18.31 is 1382.6% above this industry median. Based on the distribution chart, Navient ranks #448 out of 456 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Navient has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Navient's Debt-to-Equity compare to OPFI and GDOT?
According to the Credit Services industry distribution chart, Navient ranks #448 out of 456 companies for Debt-to-Equity. This places Navient in the lower half of its industry. The industry median Debt-to-Equity is 1.24. Navient's value of 18.31 is 1382.6% above this benchmark. Historically, Navient's own Debt-to-Equity has ranged from 18.13 to 43.09 over the past decade. While the company's 10-year median is 27.21 vs. the industry median of 1.24, Navient has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 456 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Navient's current Debt-to-Equity of 18.31 is 1382.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Navient and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Navient's current Debt-to-Equity is 18.31, which is 33% below median its own 10-year median of 27.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Navient stock overvalued right now?
Based on GuruFocus' analysis, Navient (NAVI) is currently considered Fairly Valued. The stock's GF Value™ is $9.74, compared to a current price of $9.12 — trading 6.4% below its estimated fair value. The current Debt-to-Equity is 18.31, which is 33% below median its 10-year median of 27.21 and 1382.6% above the Credit Services industry median of 1.24. Navient's overall GF Score™ is 58/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Navient (NAVI), the current Debt-to-Equity is 18.31 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Navient (NAVI) Overvalued in 2026?
Based on GuruFocus' analysis, Navient stock appears to be undervalued.
The current stock price of $9.12 is trading 6.4% below its estimated GF Value™ of $9.74.
GuruFocus considers Navient to be Fairly Valued.
Key valuation signals for NAVI:
Debt-to-Equity: 18.31 (33% below median its 10-year median of 27.21)
GF Value™: $9.74 vs. price of $9.12 (6.4% below fair value)
Industry Position: 1382.6% above the Credit Services median (#448 of 456)
No single metric tells the full story. See the NAVI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Navient Corp provides technology-enabled education finance solutions that simplify complex programs and help millions of people achieve success. The company operates its business in two segments: Federal Education Loans, and Consumer Lending. A majority of its revenue is generated from the Federal Education Loans segment, in which the company owns and manages the Federal Family Education Loan Program (FFELP) loans, generating revenue mainly in the form of net interest income. The Consumer Lending segment owns and manages private education loans and is the master servicer for these portfolios. Through its Earnest brand, the company also refinances and originates in-school private educational loans.
58GF Score
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