NavientFRA:10D -2.65%56 Pretax Margin % is 21.05% as of Mar. 2026, which is 36% below its 10-year median of 33.04. GuruFocus rates FRA:10D with a GF Score™ of 56/100 and a GF Value™ of €8.73. The stock has 3 warning signs investors should review. Among 533 Credit Services companies, Navient ranks worse than 84.05% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Navient's Pre-Tax Income for the
three
months ended in Mar. 2026 was €27.7 Mil. Navient's Revenue for the
three
months ended in Mar. 2026 was €131.5 Mil. Therefore, Navient's pretax margin for the quarter that ended in Mar. 2026 was 21.05%.
The historical rank and industry rank for Navient's Pretax Margin % or its related term are showing as below:
FRA:10D'
s Pretax Margin % Range Over the Past 10 Years
Min: -18.2 Med: 33.04 Max: 47.61
Current: -12.21
FRA:10D's Pretax Margin % is ranked worse than 84.05% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs FRA:10D: -12.21
Navient (FRA:10D) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Navient Pretax Margin % Related Terms
Navient Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Navient's Pretax 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: Pretax Margin % Comparison
For the Credit Services subindustry, Navient's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Navient's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Navient's Pretax 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 Pretax Margin % of 21.05% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Navient and its competitors. This is 36% below median its historical median of 33.04. According to the industry distribution chart, Navient ranks #448 out of 533 companies in the Credit Services industry, placing it in the top 84.1%.
Is Navient's Pretax Margin % too high?
Navient's current Pretax Margin % of 21.05% is 36% below median its 10-year median of 33.04. The Credit Services industry median Pretax Margin % is 20.02. Navient's value of 21.05% is 5.1% above this industry median. Based on the distribution chart, Navient ranks #448 out of 533 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 Pretax Margin % compare to OPFI and GDOT?
According to the Credit Services industry distribution chart, Navient ranks #448 out of 533 companies for Pretax Margin %. This places Navient in the lower half of its industry. The industry median Pretax Margin % is 20.02. Navient's value of 21.05% is 5.1% above this benchmark. While the company's 10-year median is 33.04 vs. the industry median of 20.02, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.02, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Navient's current Pretax Margin % of 21.05% is 5.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Navient and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Navient's current Pretax Margin % is 21.05%, which is 36% below median its own 10-year median of 33.04. 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 Pretax Margin % of 21.05%. The stock's GF Value™ is €8.73, compared to a current price of €7.35 — trading 15.8% below its estimated fair value. The current Pretax Margin % is 21.05%, which is 36% below median its 10-year median of 33.04 and 5.1% above the Credit Services industry median of 20.02. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Navient (FRA:10D), the current Pretax Margin % is 21.05% 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 €7.35 is trading 15.8% below its estimated GF Value™ of €8.73.
Key valuation signals for FRA:10D:
Pretax Margin %: 21.05% (36% below median its 10-year median of 33.04)
GF Value™: €8.73 vs. price of €7.35 (15.8% below fair value)
Industry Position: 5.1% above the Credit Services median (#448 of 533)
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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