Navient Corporation (NAVI)

Navient Income Statement

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
Net Interest Income	513	536	862	1,121	1,332	1,252
Net Interest Income Growth	-30.01%	-37.82%	-23.10%	-15.84%	6.39%	5.65%
Non-Interest Income	227	616	409	616	806	430
Non-Interest Income Growth	-49.89%	50.61%	-33.60%	-23.57%	87.44%	-49.77%
Revenues Before Loan Losses	740	1,152	1,271	1,737	2,138	1,682
Provision for Credit Losses	154	113	123	79	-61	155
Revenue	586	1,039	1,148	1,658	2,199	1,527
Revenue Growth (YoY)	-43.27%	-9.50%	-30.76%	-24.60%	44.01%	-14.36%
Compensation Expenses	213	316	401	444	569	497
Selling, General & Admin	345	364	399	332	638	467
Other Non-Interest Expenses	168	185	35	55	56	31
Total Non-Interest Expense	726	865	835	831	1,263	995
Pretax Income	-140	174	313	827	936	532
Provision for Income Taxes	-	43	85	182	219	120
Net Income	-140	131	228	645	717	412
Net Income to Common	-140	131	228	645	717	412
Net Income Growth	-	-42.54%	-64.65%	-10.04%	74.03%	-30.99%
Shares Outstanding (Basic)	103	109	122	142	170	193
Shares Outstanding (Diluted)	105	111	123	144	172	195
Shares Change (YoY)	-9.27%	-9.76%	-14.58%	-16.28%	-11.79%	-16.31%
EPS (Basic)	0.34	1.20	1.87	4.54	4.23	2.14
EPS (Diluted)	0.32	1.18	1.85	4.49	4.18	2.12
EPS Growth	-77.46%	-36.22%	-58.80%	7.42%	97.17%	-17.19%
Free Cash Flow	195	459	676	305	702	987
Free Cash Flow Growth	-57.52%	-32.10%	121.64%	-56.55%	-28.88%	-3.14%
Free Cash Flow Per Share	1.85	4.14	5.50	2.12	4.08	5.06
Dividends Per Share	0.640	0.640	0.640	0.640	0.640	0.640
Profit Margin	-23.89%	12.61%	19.86%	38.90%	32.61%	26.98%
FCF Margin	33.28%	44.18%	58.89%	18.40%	31.92%	64.64%
EBITDA	143	146	10	19	30	22
EBITDA Margin	24.40%	14.05%	0.87%	1.15%	1.36%	1.44%
Effective Tax Rate	0.00%	24.71%	27.16%	22.01%	23.40%	22.56%

Updated Jul 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q