NAVI

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Navient Corp.

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Key Metrics

Previous Close: $9.25
52-Week Range: $7.33 – $13.87
Market Cap: $853.43M
P/E (TTM): —
EPS (TTM): -0.48
Dividend Yield: 6.91%

Advanced Metrics

Price/Book: 0.36
PEG Ratio: 0.13
Return on Equity: -1.98%
Return on Assets: -0.10%
Gross Margin: 100.00%
Operating Margin: 33.87%
Profit Margin: -14.67%
Current Ratio: 10.74
Debt/Equity: 18.53
Total Debt: $44.43B
Free Cash Flow: —
Revenue Growth: 4.20%
Earnings Growth: 100.00%
Enterprise Value: $44.50B

NAVI Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.74B	$1.28B	$961.00M	$610.00M
Selling, General & Admin	$444.00M	$401.00M	$316.00M	$149.00M
Pretax Income	$827.00M	$313.00M	$174.00M	-$111.00M
Income Tax	$182.00M	$85.00M	$43.00M	-$31.00M
Net Income	$645.00M	$228.00M	$131.00M	-$80.00M
Diluted EPS	4.49	1.85	1.18	-0.81
Diluted Shares	144.00M	123.00M	111.00M	99.00M

NAVI Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$1.53B	$839.00M	$722.00M	$637.00M
Receivables	$2.25B	$2.30B	$1.90B	$1.82B
Total Assets	$70.80B	$61.38B	$51.79B	$48.68B
Long-Term Debt	$62.43B	$53.15B	$43.92B	$40.90B
Total Debt	$66.59B	$57.30B	$47.91B	$45.17B
Total Liabilities	$67.82B	$58.62B	$49.15B	$46.28B
Retained Earnings	$4.49B	$4.64B	$4.70B	$4.55B
Shareholders' Equity	$2.98B	$2.76B	$2.64B	$2.40B
Net Debt	$65.06B	$56.46B	$47.18B	$44.53B

NAVI Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$305.00M	$676.00M	$459.00M	$441.00M
Free Cash Flow	$305.00M	$676.00M	$459.00M	$441.00M
Stock-Based Compensation	$19.00M	$24.00M	$23.00M	$21.00M
Investing Cash Flow	$10.59B	$7.36B	$8.47B	$2.71B
Financing Cash Flow	-$9.66B	-$10.05B	-$9.62B	-$3.15B
Dividends Paid	-$91.00M	-$78.00M	-$70.00M	-$63.00M
Share Repurchases	-$400.00M	-$310.00M	-$179.00M	-$111.00M
Net Change in Cash	$1.23B	-$2.01B	-$690.00M	$1.00M

NAVI Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$156.00M	$156.00M	$161.00M	$137.00M	$152.00M
Selling, General & Admin	$49.00M	$35.00M	$32.00M	$33.00M	$32.00M
Pretax Income	-$5.00M	$18.00M	-$117.00M	-$7.00M	$32.00M
Income Tax	-$3.00M	$4.00M	-$31.00M	-$2.00M	$15.00M
Net Income	-$2.00M	$14.00M	-$86.00M	-$5.00M	$17.00M
Diluted EPS	-0.02	0.13	-0.87	-0.06	0.17
Diluted Shares	102.00M	101.00M	98.85M	97.00M	96.00M

NAVI Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$642.00M	$712.00M	$571.00M	$637.00M	$621.00M
Receivables	$1.80B	$1.78B	$1.82B	$1.82B	$1.76B
Total Assets	$50.95B	$50.22B	$49.31B	$48.68B	$48.00B
Long-Term Debt	$43.25B	$42.61B	$41.65B	$40.90B	$40.18B
Total Debt	$47.24B	$46.48B	$45.74B	$45.17B	$44.65B
Total Liabilities	$48.36B	$47.66B	$46.87B	$46.28B	$45.63B
Retained Earnings	$4.68B	$4.67B	$4.57B	$4.55B	$4.55B
Shareholders' Equity	$2.59B	$2.56B	$2.44B	$2.40B	$2.38B
Net Debt	$46.59B	$45.77B	$45.16B	$44.53B	$44.02B

NAVI Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$71.00M	$126.00M	$70.00M	$174.00M	-$47.00M
Free Cash Flow	$71.00M	$126.00M	$70.00M	$174.00M	-$47.00M
Stock-Based Compensation	$8.00M	$4.00M	$4.00M	$5.00M	$3.00M
Investing Cash Flow	$661.00M	$745.00M	$559.00M	$747.00M	$691.00M
Financing Cash Flow	-$780.00M	-$849.00M	-$834.00M	-$689.00M	-$617.00M
Dividends Paid	-$16.00M	-$16.00M	-$16.00M	-$15.00M	-$15.00M
Share Repurchases	-$35.00M	-$24.00M	-$26.00M	-$26.00M	-$23.00M
Net Change in Cash	-$48.00M	$22.00M	-$205.00M	$232.00M	$27.00M

Market Snapshot

About

Navient Corp. provides student loan servicing, asset recovery, and business processing solutions. The company was spun off from Sallie Mae in 2014 and manages billions in federal and private student loans for borrowers and institutional clients. Services include payment processing, customer support, default prevention programs, and collections on behalf of education lenders.