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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	3,222	3,809	4,419	3,223	2,648	3,298
Total Interest Expense	2,662	3,203	3,546	1,972	1,286	2,093
Net Interest Income	560	606	873	1,251	1,362	1,205
Gain (Loss) on Sale of Loans & Receivables	-	-	-	-	78	-
Other Revenue	118	301	342	409	603	269
Revenue Before Loan Losses	505	961	1,279	1,737	2,211	1,688
Provision for Loan Losses	281	113	123	79	-61	155
Revenue	224	848	1,156	1,658	2,272	1,533
Revenue Growth (YoY)	-78.38%	-26.64%	-30.28%	-27.02%	48.21%	-11.79%
Salaries & Employee Benefits	173	316	401	444	569	497
Other Operating Expenses	307	364	399	332	638	467
Total Operating Expenses	345	688	810	795	1,237	986
Operating Income	-121	160	346	863	1,035	547
EBT Excluding Unusual Items	-121	160	346	863	1,035	547
Restructuring Charges	-10	-39	-25	-36	-26	-9
Impairment of Goodwill	-137	-137	-	-	-	-
Other Unusual Items	-	-	-8	-	-73	-6
Pretax Income	-78	174	313	827	936	532
Income Tax Expense	-27	43	85	182	219	120
Earnings From Continuing Ops.	-51	131	228	645	717	412
Net Income	-51	131	228	645	717	412
Net Income to Common	-51	131	228	645	717	412
Net Income Growth	-	-42.54%	-64.65%	-10.04%	74.03%	-30.99%
Shares Outstanding (Basic)	101	109	122	142	170	193
Shares Outstanding (Diluted)	101	111	123	144	172	195
Shares Change (YoY)	-11.04%	-9.76%	-14.58%	-16.28%	-11.79%	-16.31%
EPS (Basic)	-0.51	1.20	1.87	4.54	4.22	2.13
EPS (Diluted)	-0.51	1.18	1.85	4.49	4.18	2.12
EPS Growth	-	-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	-54.02%	18.87%	29.93%	52.05%	45.55%	35.68%
Profit Margin	-22.77%	15.45%	19.72%	38.90%	31.56%	26.88%
Effective Tax Rate	-	24.71%	27.16%	22.01%	23.40%	22.56%

Updated Oct 29, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q