NavientFRA:10D 56 OCF Margin % is -30.92% as of Mar. 2026. GuruFocus rates FRA:10D with a GF Score™ of 56/100 and a GF Value™ of €8.49. The stock has 3 warning signs investors should review. Among 531 Credit Services companies, Navient ranks better than 78.34% on this metric.
The historical rank and industry rank for Navient's OCF Margin % or its related term are showing as below:
FRA:10D'
s OCF 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 OCF Margin % of Navient was 72.30%. The lowest was 17.56%. And the median was 52.61%.
FRA:10D's OCF Margin % is ranked better than 78.34% of 531
companies
in the Credit Services industry
Industry Median: 2.55
vs FRA:10D: 53.14
Navient OCF Margin % Related Terms
Navient OCF Margin % Historical Data
* Premium members only.
The historical data trend for Navient's OCF 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: OCF Margin % Comparison
For the Credit Services subindustry, Navient's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Navient's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Navient's OCF 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 OCF Margin % of -30.92% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Navient and its competitors. Over the past decade, Navient's OCF Margin % has ranged from 17.56 to 72.30. According to the industry distribution chart, Navient ranks #115 out of 531 companies in the Credit Services industry, placing it in the top 21.7%.
Is Navient's OCF Margin % too high?
Navient's current OCF 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 #115 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 OCF Margin % compare to WRLD and GDOT?
According to the Credit Services industry distribution chart, Navient ranks #115 out of 531 companies for OCF Margin %. This places Navient in the top 22% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 2.55. Historically, Navient's own OCF 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Navient and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Navient's current OCF 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 OCF Margin % of -30.92%. The stock's GF Value™ is €8.49, compared to a current price of €7.30 — trading 14% below its estimated fair value. The current OCF 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Navient (FRA:10D), the current OCF 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 14% below its estimated GF Value™ of €8.49.
Key valuation signals for FRA:10D:
OCF Margin %: -30.92%
GF Value™: €8.49 vs. price of €7.30 (14% 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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