NAVI - NASDAQ
Navient Corporation
$7.44
-8.3%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.
At a Glance
Live SnapshotNavient Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
FCF Growth Trend
Flat FCF growth. Stable but not expanding—monitor for signs of business maturity or temporary headwinds.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Navient Corporation Cash Flow Statement
NAVI • NASDAQ
| Navient Corporation Cash Flow 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||
-80M | 131M | 228M | 645M | 717M | 412M | 597M | 395M | 292M | 681M | 996M | 1.1B | 1.3B | 939M | |
3M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 30M | 47M | 23M | 36M | 12M | 9M | 13M | 18M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -30M | -47M | -23M | -36M | -12M | -9M | 0.0 | 0.0 | |
21M | 23M | 24M | 19M | 22M | 18M | 25M | 25M | 35M | 26M | 29M | 39M | 47M | 47M | |
404M | 93M | 288M | -492M | -469M | 523M | 357M | 435M | 369M | 136M | -220M | -160M | 206M | 845M | |
(26M) | (38M) | (57M) | (30M) | (190M) | (74M) | (93M) | (57M) | (157M) | (249M) | (88M) | (484M) | (636M) | (569M) | |
93M | 212M | 136M | 133M | 432M | 34M | 40M | 285M | 461M | 514M | 1.1B | 636M | 436M | 805M | |
441M | 459M | 676M | 305M | 702M | 987M | 1B | 1.1B | 1.2B | 1.4B | 1.9B | 1.7B | 2B | 2.6B | |
INVESTING ACTIVITIES | ||||||||||||||
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (7.3B) | (0.0) | (10.8B) | (0.0) | (0.0) | (0.0) | |
(0.0) | (0.0) | (0.0) | (0.0) | -16M | (0.0) | (0.0) | (0.0) | -216M | (0.0) | -342M | (0.0) | (0.0) | (0.0) | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -1M | -44M | -187M | -813M | -448M | -308M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7M | 115M | 23M | 51M | 98M | 804M | 419M | 277M | |
2.7B | 8.5B | 7.4B | 10.6B | 6.7B | 6.4B | 7.5B | 10.2B | 408M | 11.4B | 351M | -1.6B | 9.2B | 11.9B | |
(2.7B) | (8.5B) | (7.4B) | (10.6B) | (6.7B) | (6.4B) | (7.5B) | (10.4B) | (7.5B) | (11.4B) | (10.7B) | -1.7B | (9.2B) | (11.8B) | |
FINANCING ACTIVITIES | ||||||||||||||
-111M | -179M | -310M | -400M | -600M | -400M | -440M | -220M | -440M | -755M | -945M | -600M | -600M | -900M | |
-3.2B | -9.3B | -9.6B | -10.4B | -4.7B | -7B | -9.2B | -10.3B | -7.7B | -11.9B | -11B | -1.7B | 261M | -1.4B | |
-63M | -70M | -78M | -91M | -107M | -123M | -147M | -166M | -176M | -201M | -240M | -255M | -284M | -257M | |
-111M | -179M | -310M | -400M | -600M | -400M | -440M | -220M | -440M | -755M | -945M | -600M | -600M | -900M | |
264M | -79M | -101M | 1.2B | -2B | -192M | -189M | -162M | -79M | -244M | -245M | -1.2B | -9.3B | -10.8B | |
-3.2B | -9.6B | -10B | -9.7B | -7.3B | -7.7B | -10B | -10.9B | -8.4B | -13.1B | -12.4B | -3.8B | -9.9B | -13.4B | |
CASH FLOW SUMMARY | ||||||||||||||
1M | -690M | -2B | 1.2B | 41M | -244M | -1.5B | 616M | 265M | -341M | 151M | -3.7B | 1.3B | 1.1B | |
2.1B | 2.8B | 4.8B | 3.6B | 3.5B | 3.8B | 5.3B | 4.6B | 1.3B | 1.6B | 1.4B | 5.2B | 3.9B | 2.8B | |
2.1B | 2.1B | 2.8B | 4.8B | 3.6B | 3.5B | 3.8B | 5.3B | 1.5B | 1.3B | 1.6B | 1.4B | 5.2B | 3.9B | |
441M | 459M | 676M | 305M | 702M | 987M | 1B | 1.1B | 8.4B | 1.4B | 12.7B | 1.7B | 2B | 2.6B |
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 | |
8-K 8-K 2026 N/A | January 28, 2026 | January 28, 2026 | 2026 |
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