Debt-to-Equity Ratio

The Debt-to-Equity Ratio measures how much a company uses debt compared to its own shareholders' equity.

For Navient, a ratio of 18.99x means it carries $18.99 of debt for every $1 of equity, indicating very high leverage. This is far above the Financial Services sector median of 0.63x, putting Navient in the 100th percentile among peers — the highest debt level relative to equity in the group. Trend data is not available: the year-over-year change is N/A, the quarter-over-quarter change is N/A, and no historical values beyond the current figure were provided. Because the ratio is extremely elevated and there is no trend to show improvement, the level alone signals substantial financial risk and vulnerability to rising interest costs. This metric supports the overall CAUTIOUS verdict, as the extreme leverage contradicts any safety profile and heightens downside risk.

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