NavientFRA:10D +5.80%56 Net Margin % is 11.18% as of Mar. 2026, which is 50% below its 10-year median of 22.48. GuruFocus rates FRA:10D with a GF Score™ of 56/100 and a GF Value™ of €8.72. The stock has 3 warning signs investors should review. Among 534 Credit Services companies, Navient ranks worse than 83.33% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Navient's Net Income for the
three
months ended in Mar. 2026 was €14.7 Mil. Navient's Revenue for the
three
months ended in Mar. 2026 was €131.5 Mil. Therefore, Navient's net margin for the quarter that ended in Mar. 2026 was 11.18%.
The historical rank and industry rank for Navient's Net Margin % or its related term are showing as below:
FRA:10D'
s Net Margin % Range Over the Past 10 Years
Min: -13.11 Med: 22.48 Max: 37.13
Current: -9.9
FRA:10D's Net Margin % is ranked worse than 83.33% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs FRA:10D: -9.90
Navient (FRA:10D) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Navient Net Margin % Related Terms
Navient Net Margin % Historical Data
* Premium members only.
The historical data trend for Navient's Net 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: Net Margin % Comparison
For the Credit Services subindustry, Navient's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Navient's Net Margin % distribution charts can be found below:
* The bar in red indicates where Navient's Net 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 Net Margin % of 11.18% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Navient and its competitors. This is 50% below median its historical median of 22.48. According to the industry distribution chart, Navient ranks #445 out of 534 companies in the Credit Services industry, placing it in the top 83.3%.
Is Navient's Net Margin % too high?
Navient's current Net Margin % of 11.18% is 50% below median its 10-year median of 22.48. The Credit Services industry median Net Margin % is 14.52. Navient's value of 11.18% is 23% below this industry median. Based on the distribution chart, Navient ranks #445 out of 534 companies in the Credit Services industry, which is in the bottom quartile 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 Net Margin % compare to WRLD and GDOT?
According to the Credit Services industry distribution chart, Navient ranks #445 out of 534 companies for Net Margin %. This places Navient in the lower half of its industry. The industry median Net Margin % is 14.52. Navient's value of 11.18% is 23% below this benchmark. While the company's 10-year median is 22.48 vs. the industry median of 14.52, Navient has consistently been below 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Navient's current Net Margin % of 11.18% is 23% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Navient and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Navient's current Net Margin % is 11.18%, which is 50% below median its own 10-year median of 22.48. 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 Net Margin % of 11.18%. 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 Net Margin % is 11.18%, which is 50% below median its 10-year median of 22.48 and 23% below the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Navient (FRA:10D), the current Net Margin % is 11.18% 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:
Net Margin %: 11.18% (50% below median its 10-year median of 22.48)
GF Value™: €8.72 vs. price of €7.30 (16.3% below fair value)
Industry Position: 23% below the Credit Services median (#445 of 534)
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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