NavientFRA:10D 56 ROE % is 2.86% as of Mar. 2026, which is 78% below its 10-year median of 12.81. 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 529 Credit Services companies, Navient ranks worse than 83.18% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Navient's annualized net income for the quarter that ended in Mar. 2026 was €58.8 Mil. Navient's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was €2,053.3 Mil. Therefore, Navient's annualized ROE % for the quarter that ended in Mar. 2026 was 2.86%.
The historical rank and industry rank for Navient's ROE % or its related term are showing as below:
FRA:10D'
s ROE % Range Over the Past 10 Years
Min: -3.17 Med: 12.81 Max: 28.51
Current: -2.43
During the past 13 years, Navient's highest ROE % was 28.51%. The lowest was -3.17%. And the median was 12.81%.
FRA:10D's ROE % is ranked worse than 83.18% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs FRA:10D: -2.43
Navient (FRA:10D) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Navient ROE % Related Terms
Navient ROE % Historical Data
* Premium members only.
The historical data trend for Navient's ROE % 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.
For the Credit Services subindustry, Navient's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Navient's ROE % distribution charts can be found below:
* The bar in red indicates where Navient's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Navient (FRA:10D) has a ROE % of 2.86% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Navient and its competitors. This is 78% below median its historical median of 12.81. According to the industry distribution chart, Navient ranks #440 out of 529 companies in the Credit Services industry, placing it in the top 83.2%.
Is Navient's ROE % too high?
Navient's current ROE % of 2.86% is 78% below median its 10-year median of 12.81. The Credit Services industry median ROE % is 6.61. Navient's value of 2.86% is 56.7% below this industry median. Based on the distribution chart, Navient ranks #440 out of 529 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 ROE % compare to WRLD and GDOT?
According to the Credit Services industry distribution chart, Navient ranks #440 out of 529 companies for ROE %. This places Navient in the lower half of its industry. The industry median ROE % is 6.61. Navient's value of 2.86% is 56.7% below this benchmark. While the company's 10-year median is 12.81 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Navient's current ROE % of 2.86% is 56.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Navient and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Navient's current ROE % is 2.86%, which is 78% below median its own 10-year median of 12.81. 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 ROE % of 2.86%. 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 ROE % is 2.86%, which is 78% below median its 10-year median of 12.81 and 56.7% below the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Navient (FRA:10D), the current ROE % is 2.86% 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:
ROE %: 2.86% (78% below median its 10-year median of 12.81)
GF Value™: €8.49 vs. price of €7.30 (14% below fair value)
Industry Position: 56.7% below the Credit Services median (#440 of 529)
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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