Navient Corporation (LON:0K5R)

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	3,389	3,809	4,419	3,223	2,648	3,298
Total Interest Expense	2,883	3,203	3,546	1,972	1,286	2,093
Net Interest Income	506	606	873	1,251	1,362	1,205
Gain (Loss) on Sale of Loans & Receivables	-	-	-	-	78	-
Other Revenue	186	301	342	409	603	269
Revenue Before Loan Losses	738	961	1,279	1,737	2,211	1,688
Provision for Loan Losses	154	113	123	79	-61	155
Revenue	584	848	1,156	1,658	2,272	1,533
Revenue Growth (YoY)	-43.41%	-26.64%	-30.28%	-27.02%	48.21%	-11.79%
Salaries & Employee Benefits	212	316	401	444	569	497
Other Operating Expenses	345	364	399	332	638	467
Total Operating Expenses	562	688	810	795	1,237	986
Operating Income	22	160	346	863	1,035	547
EBT Excluding Unusual Items	22	160	346	863	1,035	547
Restructuring Charges	-25	-39	-25	-36	-26	-9
Impairment of Goodwill	-137	-137	-	-	-	-
Other Unusual Items	-	-	-8	-	-73	-6
Pretax Income	50	174	313	827	936	532
Income Tax Expense	17	43	85	182	219	120
Earnings From Continuing Ops.	33	131	228	645	717	412
Net Income	33	131	228	645	717	412
Net Income to Common	33	131	228	645	717	412
Net Income Growth	-79.38%	-42.54%	-64.65%	-10.04%	74.03%	-30.99%
Shares Outstanding (Basic)	104	109	122	142	170	193
Shares Outstanding (Diluted)	106	111	123	144	172	195
Shares Change (YoY)	-8.66%	-9.76%	-14.58%	-16.28%	-11.79%	-16.31%
EPS (Basic)	0.32	1.20	1.87	4.54	4.22	2.13
EPS (Diluted)	0.31	1.18	1.85	4.49	4.18	2.12
EPS Growth	-77.59%	-36.22%	-58.80%	7.42%	97.17%	-17.19%
Dividend Per Share	0.640	0.640	0.640	0.640	0.640	0.640
Operating Margin	3.77%	18.87%	29.93%	52.05%	45.55%	35.68%
Profit Margin	5.65%	15.45%	19.72%	38.90%	31.56%	26.88%
Effective Tax Rate	34.00%	24.71%	27.16%	22.01%	23.40%	22.56%

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