NAVI - NASDAQ

Navient Corporation

NAVI·NASDAQ

$7.44

-8.3%

Financial ServicesFinancial - Credit Services

Navient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing and asset recovery services on its own loan portfolio, as well as asset recovery services on FFELP loans owned by other institutions. It also owns, originates, acquires, and services refinance and in-school private education loans; and offers healthcare services that include revenue cycle outsourcing, accounts receivable management, extended business office support, consulting engagement, and public health programs, as well as business processing services to state governments, agencies, court systems, municipalities, and parking and tolling authorities. In addition, the company provides customizable solutions for its clients that include hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments; and corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$699.28M

EPS-0.8100

P/E Ratio-9.19

Earnings Date07/29/2026

3.23B

Revenue

-24%

3Y-16.0%

5Y-14.0%

10Y+54.0%

-80.00M

Net Income

-161%

3Y-112.0%

5Y-119.0%

10Y-112.0%

441.00M

Operating Cash Flow

-4%

3Y+45.0%

5Y-55.0%

10Y-68.0%

Navient Corporation Profit Bridge

NAVI · NASDAQ

Revenue & Cost of Sales

Revenue3.23B

Cost of Goods Sold (421.00M)

Gross Profit2.81B

Operating Expenses

Operating Expenses (317.00M)

Operating Income2.49B

Other Income & Taxes

Interest Expense (2.58B)

Other Income/Expense-2.60B

Pretax Income-111.00M

Income Tax (-31.00M)

Net Income-80.00M

Net Income

-80.00M

Profitability Analysis

Gross Margin

87.0%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

77.1%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

-2.5%

Net losses indicate the company is burning cash. Sustainability depends on path to profitability.

Profitability Insight

Interest or tax burden: Strong operational performance but thin net margins indicate high interest expenses or unfavorable tax position eating into profits.

Navient Corporation Income Statement

NAVI • NASDAQ

Navient Corporation Income Statement	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012
REVENUE
Revenue	3.2B	4.2B	4.8B	3.8B	3.5B	3.7B	2B	5.7B	1.8B	2.1B	3.1B	3.6B	4B	3.3B
GROSS PROFIT
Cost of Revenue	(421M)	(3.4B)	(3.7B)	(2.2B)	(1.3B)	(2.2B)	(984M)	(4.7B)	(966M)	(951M)	(918M)	(987M)	(0.0)	(0.0)
Gross Profit	2.8B	848M	1.2B	1.7B	2.3B	1.5B	1B	939M	819M	1.1B	2.2B	2.6B	4B	3.3B
OPERATING INCOME
Operating Expenses	(317M)	(674M)	(843M)	(831M)	(1.3B)	(1B)	-1.2B	(1.9B)	(966M)	(951M)	(3.1B)	(987M)	(393M)	(691M)
Selling, General & Administrative	(0.0)	(316M)	(401M)	(444M)	(569M)	(497M)	(488M)	(507M)	(519M)	(500M)	(467M)	(458M)	(504M)	(457M)
Operating Income	2.5B	174M	313M	827M	936M	532M	763M	4.2B	292M	681M	996M	1.1B	4.4B	4B
PRE-TAX INCOME
Interest Expense	(2.6B)	(3.3B)	(3.6B)	(2.1B)	(1.3B)	(2B)	(3.5B)	(3.7B)	(3B)	(2.4B)	(2.1B)	(2.1B)	(2.2B)	(2.6B)
Net Interest Income	526M	536M	862M	1.1B	1.3B	1.3B	1.2B	1.2B	1.4B	1.7B	2.2B	2.7B	3.2B	3.2B
Other Expenses	(317M)	(358M)	(442M)	(387M)	(767M)	(504M)	-1.7B	(984M)	(966M)	(2B)	(2.6B)	(987M)	(0.0)	(234M)
Total Other Income Expenses Net	-2.6B	0.0	0.0	0.0	0.0	0.0	0.0	-3.7B	472M	427M	584M	688M	-2.3B	-74M
Income Before Tax	-111M	174M	313M	827M	936M	532M	763M	528M	764M	1.1B	1.6B	1.8B	2.1B	1.4B
NET INCOME
Income Tax Expense	-31M	(43M)	(85M)	(182M)	(219M)	(120M)	(166M)	(133M)	(472M)	(427M)	(604M)	(688M)	(776M)	(498M)
Net Income	-80M	131M	228M	645M	717M	412M	597M	395M	292M	681M	997M	1.1B	1.4B	939M

SEC Filings

NAVI - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
DEF 14A DEF 14A 2026 N/A	April 16, 2026	June 04, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 28, 2026	January 28, 2026	2026	View Filing

Showing 1 to 2 of 2 filings

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