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	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 Income	-61	-80	131	228	645	717
Depreciation & Amortization	6	3	146	10	19	30
Provision for Credit Losses	277	280	113	123	79	-61
Stock-Based Compensation	16	21	23	24	19	22
Other Adjustments	58	132	-166	147	-590	-438
Changes in Accrued Interest and Accounts Receivable	62	76	348	-50	-147	47
Changes in Accounts Payable	10	-3	-31	29	159	-55
Changes in Other Operating Activities	-45	20	-105	157	121	440
Operating Cash Flow	323	441	459	676	305	702
Operating Cash Flow Growth	-7.18%	-3.92%	-32.10%	121.64%	-56.55%	-28.88%
Net Change in Loans Held-for-Investment	2,766	2,700	8,113	7,352	10,489	6,621
Payments for Business Acquisitions	-	-	-	-	-	-16
Proceeds from Business Divestments	-	25	359	-	-	-
Other Investing Activities	-24	-13	-6	5	96	68
Investing Cash Flow	2,742	2,712	8,466	7,357	10,585	6,673
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	372	176	-116	8	1,094	-2,169
Long-Term Debt Issued	2,543	2,657	1,106	2,346	2,243	9,210
Long-Term Debt Repaid	-6,088	-5,899	-10,277	-11,912	-12,596	-13,865
Net Long-Term Debt Issued (Repaid)	-3,546	-3,242	-9,171	-9,566	-10,353	-4,655
Repurchase of Common Stock	-99	-111	-179	-310	-400	-600
Net Common Stock Issued (Repurchased)	-99	-111	-179	-310	-400	-600
Common Dividends Paid	-62	-63	-70	-78	-91	-107
Other Financing Activities	98	88	-79	-101	89	197
Financing Cash Flow	-2,989	-3,152	-9,615	-10,047	-9,661	-7,334
Net Cash Flow	76	1	-690	-2,014	1,229	41
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%
FCF Margin	97.88%	133.64%	44.18%	58.88%	18.40%	31.92%
Free Cash Flow Per Share	3.30	4.45	4.14	5.50	2.12	4.08

SEC Filings: 10-K · 10-Q