Navient Cash Flow 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	Jun '26 Jun 30, 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 Income	-49	-80	131	228	645	717
Depreciation & Amortization	5	3	146	10	19	30
Provision for Credit Losses	267	280	113	123	79	-61
Stock-Based Compensation	15	21	23	24	19	22
Other Adjustments	3	132	-166	147	-590	-438
Changes in Accrued Interest and Accounts Receivable	24	76	348	-50	-147	47
Changes in Accounts Payable	3	-3	-31	29	159	-55
Changes in Other Operating Activities	72	20	-105	157	121	440
Operating Cash Flow	340	441	459	676	305	702
Operating Cash Flow Growth	74.36%	-3.92%	-32.10%	121.64%	-56.55%	-28.88%
Net Change in Loans Held-for-Investment	2,630	2,700	8,113	7,352	10,489	6,621
Cash Acquisitions	-	-	-	-	-	-16
Proceeds from Business Divestments	-	25	359	-	-	-
Other Investing Activities	6	-13	-6	5	96	68
Investing Cash Flow	2,636	2,712	8,466	7,357	10,585	6,673
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	209	176	-116	8	1,094	-2,169
Long-Term Debt Issued	3,526	2,657	1,106	2,346	2,243	9,210
Long-Term Debt Repaid	-6,600	-5,899	-10,277	-11,912	-12,596	-13,865
Net Long-Term Debt Issued (Repaid)	-3,074	-3,242	-9,171	-9,566	-10,353	-4,655
Repurchase of Common Stock	-78	-111	-179	-310	-400	-600
Net Common Stock Issued (Repurchased)	-78	-111	-179	-310	-400	-600
Common Dividends Paid	-61	-63	-70	-78	-91	-107
Other Financing Activities	90	88	-79	-101	89	197
Financing Cash Flow	-2,914	-3,152	-9,615	-10,047	-9,661	-7,334
Net Cash Flow	62	1	-690	-2,014	1,229	41
Free Cash Flow	340	441	459	676	305	702
Free Cash Flow Growth	74.36%	-3.92%	-32.10%	121.64%	-56.55%	-28.88%
FCF Margin	101.49%	133.64%	44.18%	58.88%	18.40%	31.92%
Free Cash Flow Per Share	3.52	4.45	4.14	5.50	2.12	4.08

SEC Filings: 10-K · 10-Q