NAVICAUTIOUS

NAVI Return on Equity (ROE) Analysis

-2.5%

Higher than 0% of Financial Services sector peers

Updated 240h ago·SEC filings & market data

Key Takeaway

Return on Equity (ROE) measures how much profit a company generates from each dollar of shareholders' equity — a negative -2.5% means NAVI is currently losing money for its investors rather than creating value.

Sector Performance

0th percentile

NAVI

-2.5%

Sector Median

13.4%

Sector Avg

17.9%

Prior Period

-3.3%(May 2026)

↑ Improving

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Deep Analysis

Among Financial Services peers, the sector median ROE is 13.4%, placing NAVI at the 0th percentile — meaning every peer has a higher ROE. Trend data for the last eight quarters is not available, and the year-over-year change is also not provided; however, quarter-over-quarter ROE improved by +24.2% (from -3.3% to -2.5%). The combination of a deeply negative ROE level with a recent improvement still leaves the company in loss-making territory, indicating continued financial stress that outweighs the modest quarterly gain. This metric directly contradicts the overall CAUTIOUS verdict — a healthy stock would need positive ROE; here the negative ROE reinforces the caution.

Frequently Asked Questions

What does the Return on Equity (ROE) tell investors about NAVI?

ROE measures how effectively management turns equity into profit. Consistently above 15% is typically considered strong. Negative equity distorts this metric.

How is the Return on Equity (ROE) calculated?

Return on Equity (ROE) is calculated as: Net Income / Shareholders' Equity.

How does NAVI's Return on Equity (ROE) compare to its sector?

NAVI's Return on Equity (ROE) of -2.5% compares to a Financial Services sector median of 13.4%, placing it in the 0th percentile.

Who are NAVI's closest peers by Return on Equity (ROE)?

The closest Financial Services peers by Return on Equity (ROE) include: PFG (13.4%), HDB (13.8%), SPGI (13.9%), AIZ (14.9%), IBN (16.4%).

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Learn More About Return on Equity (ROE)

What Is Return on Equity (ROE) and Is Higher Always Better?

Return on equity ROE measures how efficiently a company generates profit from shareholder capital. Learn how to decompose ROE using DuPont analysis and why high leverage can make it dangerous—with Apple and JPMorgan examples.

The Formula

Net Income / Shareholders' Equity

Why It Matters

ROE measures how effectively management turns equity into profit. Consistently above 15% is typically considered strong. Negative equity distorts this metric.