FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Navient's Free Cash Flow for the
three
months ended in Mar. 2026 was €-40.7 Mil. Navient's Revenue for the
three
months ended in Mar. 2026 was €131.5 Mil. Therefore, Navient's FCF Margin % for the quarter that ended in Mar. 2026 was -30.92%.
The historical rank and industry rank for Navient's FCF Margin % or its related term are showing as below:
FRA:10D'
s FCF Margin % Range Over the Past 10 Years
Min: 17.56 Med: 52.61 Max: 72.3
Current: 53.14
During the past 13 years, the highest FCF Margin % of Navient was 72.30%. The lowest was 17.56%. And the median was 52.61%.
FRA:10D's FCF Margin % is ranked better than 79.85% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs FRA:10D: 53.14
Navient FCF Margin % Related Terms
Navient FCF Margin % Historical Data
* Premium members only.
The historical data trend for Navient's FCF Margin % 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.
FRA:10D vs WRLD, GDOT, OPFI: FCF Margin % Comparison
For the Credit Services subindustry, Navient's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Navient's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Navient's FCF Margin % 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 (FRA:10D) has a FCF Margin % of -30.92% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Navient and its competitors. Over the past decade, Navient's FCF Margin % has ranged from 17.56 to 72.30. According to the industry distribution chart, Navient ranks #107 out of 531 companies in the Credit Services industry, placing it in the top 20.2%.
Is Navient's FCF Margin % too high?
Navient's current FCF Margin % is -30.92%. Over the past 10 years, this metric has ranged from a low of 17.56 to a high of 72.30. Based on the distribution chart, Navient ranks #107 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Navient has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Navient's FCF Margin % compare to WRLD and GDOT?
According to the Credit Services industry distribution chart, Navient ranks #107 out of 531 companies for FCF Margin %. This places Navient in the top 20% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.24. Historically, Navient's own FCF Margin % has ranged from 17.56 to 72.30 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Navient and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Navient's current FCF Margin % is -30.92%. 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?
Navient (FRA:10D) has a current FCF Margin % of -30.92%. The stock's GF Value™ is €8.72, compared to a current price of €7.30 — trading 16.3% below its estimated fair value. The current FCF Margin % is -30.92%. Navient's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Navient (FRA:10D), the current FCF Margin % is -30.92% as of Mar. 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 (FRA:10D) Overvalued in 2026?
Based on GuruFocus' analysis, Navient stock appears to be undervalued.
The current stock price of €7.30 is trading 16.3% below its estimated GF Value™ of €8.72.
Key valuation signals for FRA:10D:
FCF Margin %: -30.92%
GF Value™: €8.72 vs. price of €7.30 (16.3% below fair value)
No single metric tells the full story. See the FRA:10D 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.
56GF Score
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