Navient (FRA:10D) LT-Debt-to-Total-Asset: 0.84 (As of Mar. 2026)

Navient FRA:10D +0.68% 52 LT-Debt-to-Total-Asset is 0.84 as of Mar. 2026. GuruFocus rates FRA:10D with a GF Score™ of 52/100 and a GF Value™ of €8.97. The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Navient's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.84.

Navient's long-term debt to total assets ratio declined from Mar. 2025 (0.85) to Mar. 2026 (0.84). It may suggest that Navient is progressively becoming less dependent on debt to grow their business.

Navient (FRA:10D) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Navient LT-Debt-to-Total-Asset Related Terms

Navient LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Navient's LT-Debt-to-Total-Asset 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.

Navient LT-Debt-to-Total-Asset Chart

Navient Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.91

0.88

0.87

0.85

0.84

Navient Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.85	0.85	0.85	0.84	0.84

52GF Score

Navient Corp FRA:10D

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Navient LT-Debt-to-Total-Asset Calculation

Navient's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	34926.892	/	41573.574
	=	0.84

Navient's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	34752.24	/	41523.46
	=	0.84

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.84 mean?

Navient (FRA:10D) has a LT-Debt-to-Total-Asset of 0.84 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Navient and its competitors.

Is Navient's LT-Debt-to-Total-Asset too high?

Navient's current LT-Debt-to-Total-Asset is 0.84. Overall, Navient has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.

How does Navient's LT-Debt-to-Total-Asset compare to OPFI and GDOT?

Navient's LT-Debt-to-Total-Asset of 0.84 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Navient and its competitors. Navient's current LT-Debt-to-Total-Asset is 0.84. 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 LT-Debt-to-Total-Asset of 0.84. The stock's GF Value™ is €8.97, compared to a current price of €7.45 — trading 16.9% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.84. Navient's overall GF Score™ is 52/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Navient (FRA:10D), the current LT-Debt-to-Total-Asset is 0.84 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 €7.45 is trading 16.9% below its estimated GF Value™ of €8.97.

Key valuation signals for FRA:10D:

LT-Debt-to-Total-Asset: 0.84
GF Value™: €8.97 vs. price of €7.45 (16.9% below fair value)
GF Score™: 52/100 with 3 warning signs

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 Business Description

Industry Financial Services Credit Services

Comparable Companies OPFI GDOT PRAA WRLD JCAP LU FINV HTT RM LPRO V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges NAVI:USA 0K5R:UK 10D:Germany

Address 13865 Sunrise Valley Drive, Herndon, VA, USA, 20171

Website https://www.navient.com

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.

52GF Score

Get the complete analysis for FRA:10D

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€7.45

Price

€8.97

GF Value

View FRA:10D Analysis

See LT-Debt-to-Total-Asset data for all stocks →