Navient Corp (NAVI) Financial Statements
Industry: Security Brokers, Dealers & Flotation Companies
In fiscal 2025, Navient reported revenue of $610.0M, down 47.0% from $1.15B the year before. Net income was -$80.0M (a -13.1% net margin), or -$0.81 per diluted share. Net interest income was $519.0M, and the efficiency ratio (noninterest expense / revenue) was 72.3%. Operating activities generated $441.0M of cash. At fiscal year end, Navient held $48.68B in total assets against $46.28B in total liabilities, including $637.0M of cash and equivalents.
Open the full interactive Navient financials → Quarterly statements, key ratios, valuation history and price charts.
Navient Key Stats
| Share Price | $9.42 |
|---|---|
| Market Cap | $894.9M |
| Revenue YoY Growth | -47.0% |
| 52-Week Range | $7.16 – $12.55 |
| Shares Outstanding | 94.0 million (basic, 2026 Q2) |
Navient Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $1.25B | $1.33B | $1.12B | $862.0M | $536.0M | $519.0M |
| Provision for Credit Losses | $155.0M | -$61.0M | $79.0M | $123.0M | $113.0M | $280.0M |
| Noninterest Income | $430.0M | $806.0M | $616.0M | $409.0M | $616.0M | $91.0M |
| Noninterest Expense | $995.0M | $1.26B | $831.0M | $835.0M | $865.0M | $441.0M |
| Revenue | $1.68B | $2.14B | $1.74B | $1.27B | $1.15B | $610.0M |
| Pre-Tax Income | $532.0M | $936.0M | $827.0M | $313.0M | $174.0M | -$111.0M |
| Income Tax | $120.0M | $219.0M | $182.0M | $85.0M | $43.0M | -$31.0M |
| Net Income | $412.0M | $717.0M | $645.0M | $228.0M | $131.0M | -$80.0M |
| Diluted EPS | $2.12 | $4.18 | $4.49 | $1.85 | $1.18 | -$0.81 |
Navient Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $161.0M | $137.0M | $152.0M | $150.0M |
| Net Income | -$86.0M | -$6.0M | $17.0M | $25.0M |
| Diluted EPS | -$0.87 | -$0.06 | $0.17 | $0.26 |
Navient Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.18B | $905.0M | $1.53B | $839.0M | $722.0M | $637.0M |
| Total Assets | $87.41B | $80.61B | $70.80B | $61.38B | $51.79B | $48.68B |
| Total Long-Term Debt | $77.33B | $74.49B | $61.03B | $53.40B | $43.18B | $40.63B |
| Total Liabilities | $84.97B | $78.00B | $67.82B | $58.62B | $49.15B | $46.28B |
| Shareholders' Equity | $2.43B | $2.60B | $2.98B | $2.76B | $2.64B | $2.40B |
Navient Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $987.0M | $702.0M | $305.0M | $676.0M | $459.0M | $441.0M |
| Cash From Investing | $6.45B | $6.67B | $10.59B | $7.36B | $8.47B | $2.71B |
| Cash From Financing | -$7.68B | -$7.33B | -$9.66B | -$10.05B | -$9.62B | -$3.15B |
Figures from Navient's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Navient financials page for every line item.
Navient Company Profile
| Ticker | NAVI |
|---|---|
| Exchange | Nasdaq |
| Industry | Security Brokers, Dealers & Flotation Companies |
| Headquarters | Herndon, Virginia |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001593538 |
Frequently Asked Questions
What was Navient's revenue in fiscal 2025?
Navient (NAVI) reported revenue of $610.0M for fiscal 2025.
What is Navient's annual revenue history?
Navient's annual revenue by fiscal year: 2020: $1.68B; 2021: $2.14B; 2022: $1.74B; 2023: $1.27B; 2024: $1.15B; 2025: $610.0M.
What was Navient's net income in fiscal 2025?
Navient reported net income of -$80.0M for fiscal 2025.
What was Navient's earnings per share (EPS) in fiscal 2025?
Navient's diluted EPS was -$0.81 for fiscal 2025 (adjusted for any later stock splits).
What was Navient's revenue last quarter?
In its most recent reported quarter (2026 Q2), Navient reported revenue of $150.0M.
How much debt does Navient have?
Navient reported $40.63B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Navient are outstanding?
Navient reported a weighted average of 94.0 million basic shares outstanding in 2026 Q2.
What is Navient's market cap?
Based on its latest closing price, Navient (NAVI) has a market capitalization of about $894.9M.
When does Navient's fiscal year end?
Navient's fiscal year end, as registered with the SEC, is December 31.
Where is Navient headquartered?
Navient lists its business address in Herndon, Virginia in its SEC filings.
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