Navient Corporation (NAVI)

Navient Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	335	330	1,039	1,148	1,658	2,199
Revenue Growth	-42.83%	-68.24%	-9.50%	-30.76%	-24.60%	44.01%
Net Income Net Income Growth	-135	-80	131	228	645	717
Earnings Per Share EPS Growth	-0.50	-0.81	1.18	1.85	4.49	4.18
EPS Growth	-	-	-36.22%	-58.80%	7.42%	97.17%

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Consumer Lending Consumer Lending Growth	172	174	397	527	528	800
Federal Education Loans Federal Education Loans Growth	207	220	210	490	621	813
Other Other Growth	-43	-25	-63	-117	-87	-64
Unallocated Additions/(Subtractions) Unallocated Additions/(Subtractions) Growth	-2	-62	33	-73	266	235
Business Processing Business Processing Growth	-	23	271	321	330	488
Reclassifications Reclassifications Growth	-	0	0	0	-	-
Total Total Growth	334	330	848	1,148	1,658	2,272

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	2,139	2,104	2,103	2,793	4,807	3,578
Total Debt Total Debt Growth	40,123	40,633	43,184	53,402	61,026	74,488
Net Cash (Debt) Net Cash Growth	-37,984	-38,529	-41,081	-50,609	-56,219	-70,910
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-393.62	-389.18	-370.10	-411.46	-390.41	-412.27

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	340	441	459	676	305	702
Free Cash Flow Free Cash Flow Growth	340	441	459	676	305	702
Free Cash Flow Growth	74.36%	-3.92%	-32.10%	121.64%	-56.55%	-28.88%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Pretax Margin	-15.82%	-33.64%	16.75%	27.26%	49.88%	42.56%
Profit Margin	-40.30%	-24.24%	12.61%	19.86%	38.90%	32.61%
FCF Margin	101.49%	133.64%	44.18%	58.88%	18.40%	31.92%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 12, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.640	0.640	0.640	0.640	0.640	0.640
Dividend Per Share Growth	0%	0%	0%	0%	0%	0%
Dividend Yield	7.24%	4.90%	4.83%	3.43%	3.90%	2.97%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 12, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	-	-	11.26	10.06	3.66	5.08
Forward PE	10.65	12.02	9.80	6.67	5.53	6.69
P/FCF Ratio	2.38	2.83	2.98	3.13	7.02	4.65
PS Ratio	2.43	3.78	1.32	1.84	1.29	1.48

Data Sources: Fiscal.ai and S&P Global Market Intelligence Last updated: Aug 7, 2026

Financial data is provided by Fiscal.ai and updates within minutes after each earnings release, which is every three months for this company. Revenue segment data is provided by S&P Global Market Intelligence.

Update frequency:

Quarterly

Last checked:

Aug 12, 2026

Data Sources Report a data error