Navient (NAVI) Financials: History & Chart

Navient Corporation(NAVI)

Financial - Credit Services · Herndon, VA

$8.99-0.05 (-0.61%)

Delayed quote: Oct 6, 2026, 1:35 PM EDT

About Navient Corporation

Navient Corporation specializes in managing education loans and delivering comprehensive business processing services. Its clientele spans the education, healthcare, and government sectors, serving federal, state, and local entities across the United States. The company's operations are divided into three primary segments: Federal Education Loans, Consumer Lending, and Business Processing. Within its Federal Education Loans segment, Navient holds Federal Family Education Loan Program (FFELP) loans, which are backed by state or non-profit agency guarantees. This division also handles the servicing and recovery of its own loan assets, alongside offering asset recovery solutions for FFELP loans held by other organizations. Its Consumer Lending activities involve the ownership, origination, acquisition, and ongoing servicing of private education loans, including both in-school financing and refinancing options. The Business Processing segment extends to various healthcare services, encompassing outsourced revenue cycle management, accounts receivable administration, supplementary business office support, consulting, and public health program management. Furthermore, it provides tailored business processing solutions to state governments, their agencies, judicial systems, local municipalities, and authorities overseeing parking and toll collection. These customizable offerings serve a diverse range of clients, such as hospitals, healthcare networks, medical centers, large physician practices, other healthcare providers, and public health departments. Navient also manages corporate liquidity portfolios. Established in 1973, Navient Corporation maintains its headquarters in Wilmington, Delaware.

Herndon, VA

670 employees

www.navient.com

Financial Services / Financial - Credit Services

Sector: Financial Services
Industry: Financial - Credit Services
CEO: Edward John Bramson

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Financials

SEC Filings

Quarterly Income Statement (USD)

Swipe horizontally to review earlier periods. The line-item column stays pinned.

Quarterly Report	TTM	Quarter ended Jun 2026	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024
Revenue	2.94B	682.00M	695.00M	761.00M	800.00M	806.00M	828.00M	977.00M	1.00B
Cost of Goods Sold	1.49B	27.00M	564.00M	88.00M	807.00M	687.00M	702.00M	771.00M	870.00M
Gross Profit	1.45B	655.00M	131.00M	673.00M	-7.00M	119.00M	126.00M	206.00M	135.00M
Gross Profit Margin	49.4%	96.0%	18.8%	88.4%	-0.9%	14.8%	15.2%	21.1%	13.4%
Total Operating Expenses	359.00M	82.00M	120.00M	47.00M	110.00M	101.00M	131.00M	180.00M	123.00M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	121.00M	0.00	89.00M	0.00	32.00M	35.00M	49.00M	57.00M	72.00M
Operating Income (EBIT)	1.09B	573.00M	11.00M	626.00M	-117.00M	18.00M	-5.00M	26.00M	12.00M
Operating Margin	37.2%	84.0%	1.6%	82.3%	-14.6%	2.2%	-0.6%	2.7%	1.2%
Income Before Tax (EBT)	-53.00M	39.00M	32.00M	-7.00M	-117.00M	18.00M	-5.00M	26.00M	12.00M
Interest Income	2.90B	682.00M	695.00M	746.00M	781.00M	778.00M	802.00M	861.00M	948.00M
Interest Expense	2.39B	564.00M	564.00M	621.00M	639.00M	650.00M	672.00M	726.00M	828.00M
Other Income/Expense	-1.15B	-534.00M	21.00M	-633.00M	0.00	0.00	0.00	0.00	0.00
Net Income	-49.00M	25.00M	17.00M	-5.00M	-86.00M	14.00M	-2.00M	24.00M	-2.00M
Income Tax Expense	-4.00M	14.00M	15.00M	-2.00M	-31.00M	4.00M	-3.00M	2.00M	14.00M
Net Profit Margin	-1.7%	3.7%	2.4%	-0.7%	-10.8%	1.7%	-0.2%	2.5%	-0.2%
EBITDA	1.10B	573.00M	15.00M	627.00M	-117.00M	19.00M	-5.00M	26.00M	12.00M
EBITDA Margin	37.4%	84.0%	2.2%	82.4%	-14.6%	2.4%	-0.6%	2.7%	1.2%
Depreciation & Amortization	5.00M	0.00	4.00M	1.00M	0.00	1.00M	0.00	0.00	0.00
EPS Basic	-0.49	0.26	0.18	-0.06	-0.87	0.14	-0.02	0.23	-0.02
EPS Diluted	-0.50	0.26	0.17	-0.06	-0.87	0.14	-0.02	0.22	-0.02
Weighted Average Basic Shares	95.00M	95.00M	95.00M	83.33M	98.85M	100.00M	102.00M	109.00M	108.00M
Weighted Average Diluted Shares	96.00M	96.00M	96.00M	83.33M	98.85M	101.00M	102.00M	109.00M	108.00M

Annual Income Statement (USD)

Swipe horizontally to review earlier years. The line-item column stays pinned.

Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	3.23B	4.23B	4.84B	3.84B	3.53B	3.73B	5.48B	5.59B
Cost of Goods Sold	421.00M	3.39B	3.68B	2.18B	1.25B	2.20B	3.75B	4.04B
Gross Profit	2.81B	848.00M	1.16B	1.66B	2.27B	1.53B	1.74B	1.55B
Gross Profit Margin	87.0%	20.0%	23.9%	43.2%	64.4%	41.1%	31.7%	27.8%
Total Operating Expenses	317.00M	674.00M	843.00M	831.00M	1.34B	1.00B	975.00M	1.02B
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	0.00	316.00M	401.00M	444.00M	569.00M	497.00M	488.00M	507.00M
Operating Income (EBIT)	2.49B	174.00M	313.00M	827.00M	936.00M	532.00M	763.00M	528.00M
Operating Margin	77.1%	4.1%	6.5%	21.5%	26.5%	14.2%	13.9%	9.4%
Income Before Tax (EBT)	-111.00M	174.00M	313.00M	827.00M	936.00M	532.00M	763.00M	528.00M
Interest Income	3.11B	3.81B	4.42B	3.22B	2.65B	3.30B	4.67B	4.91B
Interest Expense	2.58B	3.27B	3.56B	2.10B	1.32B	2.05B	3.49B	3.67B
Other Income/Expense	-2.60B	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	-80.00M	131.00M	228.00M	645.00M	717.00M	412.00M	597.00M	395.00M
Income Tax Expense	-31.00M	43.00M	85.00M	182.00M	219.00M	120.00M	166.00M	133.00M
Net Profit Margin	-2.5%	3.1%	4.7%	16.8%	20.3%	11.0%	10.9%	7.1%
EBITDA	2.49B	174.00M	313.00M	827.00M	936.00M	553.00M	788.00M	559.00M
EBITDA Margin	77.2%	4.1%	6.5%	21.5%	26.5%	14.8%	14.4%	10.0%
Depreciation & Amortization	3.00M	0.00	0.00	0.00	0.00	21.00M	25.00M	31.00M
EPS Basic	-0.81	1.20	1.87	4.54	4.22	2.13	2.60	1.52
EPS Diluted	-0.81	1.18	1.85	4.48	4.17	2.11	2.56	1.50
Weighted Average Basic Shares	99.00M	109.00M	122.00M	142.07M	170.00M	193.00M	230.00M	259.87M
Weighted Average Diluted Shares	99.00M	111.00M	123.00M	144.00M	172.00M	195.00M	233.00M	264.00M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.