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NavientFRA:10D +4.52%50 FCF Margin % is 95.33% as of Jun. 2026, which is 81% above its 10-year median of 52.61. GuruFocus rates FRA:10D with a GF Score™ of 50/100 and a GF Value™ of €9.01. The stock has 2 warning signs investors should review. Among 535 Credit Services companies, Navient ranks better than 79.44% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Navient's Free Cash Flow for the
three
months ended in Jun. 2026 was €124.1 Mil. Navient's Revenue for the
three
months ended in Jun. 2026 was €130.2 Mil. Therefore, Navient's FCF Margin % for the quarter that ended in Jun. 2026 was 95.33%.
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 OPFI, GDOT, PRAA: 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 95.33% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Navient and its competitors. This is 81% above median its historical median of 52.61. Over the past decade, Navient's FCF Margin % has ranged from 17.56 to 72.30. According to the industry distribution chart, Navient ranks #110 out of 535 companies in the Credit Services industry, placing it in the top 20.6%.
Is Navient's FCF Margin % too high?
Navient's current FCF Margin % of 95.33% is 81% above median its 10-year median of 52.61. Over the past 10 years, this metric has ranged from a low of 17.56 to a high of 72.30. The Credit Services industry median FCF Margin % is 0.24. Navient's value of 95.33% is 39620.8% above this industry median. Based on the distribution chart, Navient ranks #110 out of 535 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 50/100, reflecting its overall financial health beyond just this single metric.
How does Navient's FCF Margin % compare to OPFI and GDOT?
According to the Credit Services industry distribution chart, Navient ranks #110 out of 535 companies for FCF Margin %. This places Navient in the top 21% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.24. Navient's value of 95.33% is 39620.8% above this benchmark. Historically, Navient's own FCF Margin % has ranged from 17.56 to 72.30 over the past decade. While the company's 10-year median is 52.61 vs. the industry median of 0.24, 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 535 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. Navient's current FCF Margin % of 95.33% is 39620.8% 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 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 95.33%, which is 81% above median its own 10-year median of 52.61. 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 95.33%. The stock's GF Value™ is €9.01, compared to a current price of €8.10 — trading 10.1% below its estimated fair value. The current FCF Margin % is 95.33%, which is 81% above median its 10-year median of 52.61 and 39620.8% above the Credit Services industry median of 0.24. Navient's overall GF Score™ is 50/100 with 2 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 95.33% 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 (FRA:10D) Overvalued in 2026?
Based on GuruFocus' analysis, Navient stock appears to be undervalued.
The current stock price of €8.10 is trading 10.1% below its estimated GF Value™ of €9.01.
Key valuation signals for FRA:10D:
FCF Margin %: 95.33% (81% above median its 10-year median of 52.61)
GF Value™: €9.01 vs. price of €8.10 (10.1% below fair value)
Industry Position: 39620.8% above the Credit Services median (#110 of 535)
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.
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