Navient Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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 Interest Income	520	519	536	862	1,121	1,332
Net Interest Income Growth	0.97%	-3.17%	-37.82%	-23.10%	-15.84%	6.39%
Non-Interest Income	86	91	616	409	616	806
Non-Interest Income Growth	-83.04%	-85.23%	50.61%	-33.60%	-23.57%	87.44%
Revenues Before Loan Losses	606	610	1,152	1,271	1,737	2,138
Provision for Credit Losses	276	280	113	123	79	-61
Revenue	330	330	1,039	1,148	1,658	2,199
Revenue Growth (YoY)	-62.96%	-68.24%	-9.50%	-30.76%	-24.60%	44.01%
Compensation Expenses	132	149	316	401	444	569
Selling, General & Admin	250	272	364	399	332	638
Other Non-Interest Expenses	22	20	185	35	55	56
Total Non-Interest Expense	698	862	1,545	1,635	1,607	2,470
Pretax Income	-74	-111	174	313	827	936
Provision for Income Taxes	-14	-31	43	85	182	219
Net Income	-62	-80	131	228	645	717
Net Income to Common	-62	-80	131	228	645	717
Net Income Growth	-	-	-42.54%	-64.65%	-10.04%	74.03%
Shares Outstanding (Basic)	98	99	109	122	142	170
Shares Outstanding (Diluted)	98	99	111	123	144	172
Shares Change (YoY)	-8.63%	-10.81%	-9.76%	-14.58%	-16.28%	-11.79%
EPS (Basic)	-0.61	-0.81	1.20	1.87	4.54	4.23
EPS (Diluted)	-0.63	-0.81	1.18	1.85	4.49	4.18
EPS Growth	-	-	-36.22%	-58.80%	7.42%	97.17%
Shares Outstanding	93.98	96	103	113.5	130.21	153.74
Free Cash Flow	323	441	459	676	305	702
Free Cash Flow Growth	-26.76%	-3.92%	-32.10%	121.64%	-56.55%	-28.88%
Free Cash Flow Per Share	3.30	4.45	4.14	5.50	2.12	4.08
Dividends Per Share	0.640	0.640	0.640	0.640	0.640	0.640
Profit Margin	-18.79%	-24.24%	12.61%	19.86%	38.90%	32.61%
FCF Margin	97.88%	133.64%	44.18%	58.88%	18.40%	31.92%
EBITDA	6	3	146	10	19	30
EBITDA Margin	1.82%	0.91%	14.05%	0.87%	1.15%	1.36%
Effective Tax Rate	18.92%	27.93%	24.71%	27.16%	22.01%	23.40%

Updated Apr 29, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q