Navient Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-	131	228	645	717
Depreciation & Amortization	-	8	10	14	19
Gain on Sale of Loans & Receivables	-	-	-	-	-78
Loss (Gain) From Sale of Investments	-	25	147	-590	-433
Asset Writedown & Restructuring Costs	-	138	-	5	11
Provision for Credit Losses	-	113	123	79	-61
Stock-Based Compensation	-	23	24	19	22
Change in Accounts Payable	-	-31	29	159	-55
Change in Other Net Operating Assets	-	-105	157	121	440
Other Operating Activities	-	-	8	-	73
Operating Cash Flow	-	459	676	305	702
Operating Cash Flow Growth	-	-32.10%	121.64%	-56.55%	-28.88%
Cash Acquisitions	-	-	-	-	-16
Divestitures	-	359	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	8,113	7,352	10,489	6,621
Other Investing Activities	-	-6	5	96	68
Investing Cash Flow	-	8,466	7,357	10,585	6,673
Short-Term Debt Issued	-	-	8	1,094	-
Long-Term Debt Issued	-	1,106	2,346	2,243	9,210
Total Debt Issued	-	1,106	2,354	3,337	9,210
Short-Term Debt Repaid	-	-116	-	-	-2,169
Long-Term Debt Repaid	-	-10,277	-11,912	-12,596	-13,865
Total Debt Repaid	-	-10,393	-11,912	-12,596	-16,034
Net Debt Issued (Repaid)	-	-9,287	-9,558	-9,259	-6,824
Repurchase of Common Stock	-	-179	-310	-400	-600
Common Dividends Paid	-	-70	-78	-91	-107
Other Financing Activities	-	-79	-101	89	197
Financing Cash Flow	-	-9,615	-10,047	-9,661	-7,334
Net Cash Flow	-	-690	-2,014	1,229	41
Cash Interest Paid	-	3,238	3,431	1,904	1,378
Cash Income Tax Paid	-	35	52	18	179

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.