NAVIENT CORP NAVI

Financials SIC 6211 - Security Brokers, Dealers & Flotation Companies NAICS Finance and Insurance › Securities, Commodity Contracts, and Other Financial Investments and Related Activities › Securities and Commodity Contracts Intermediation and Brokerage › Investment Banking and Securities Intermediation derived Nasdaq

Last close 8.50 2026-10-23
Market cap $797.2M 2026-06-30 share count
52-week range 7.33 - 13.48

Valuation FY2025 figures against the last close

P/S0.3x
P/E—
P/FCF1.8x
EV/EBITDA—
Dividend yield7.9%
Diluted EPS-0.81

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $3.11B$3.81B$4.42B$332.0M$507.0M$388.0M$4.67B$4.91B——
Total operating expenses $421.0M$680.0M$800.0M$776.0M$1.21B$964.0M$984.0M$984.0M$966.0M$951.0M
Interest expense $519.0M$536.0M$862.0M$1.12B$1.32B$2.05B$3.49B$3.67B$2.97B$2.44B
Pre-tax income -$111.0M$174.0M$313.0M$827.0M$936.0M$532.0M$763.0M$528.0M$764.0M$1.11B
Income tax $31.0M$43.0M$85.0M$182.0M$219.0M$120.0M$166.0M$133.0M$472.0M$427.0M
Net income -$80.0M$131.0M$228.0M$645.0M$717.0M$412.0M$597.0M$395.0M$292.0M$681.0M
EPS, basic -0.811.201.874.544.232.142.591.521.062.15
EPS, diluted -0.811.181.854.494.182.122.561.491.042.12
Shares, diluted (wtd. avg.) 99.0M111.0M123.0M144.0M172.0M195.0M233.0M264.0M281.0M322.0M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $637.0M$722.0M$839.0M$4.81B$3.58B$3.54B$3.78B$5.26B$4.65B$4.71B
Property, plant and equipment $23.0M$52.0M$62.0M$74.0M$95.0M$116.0M$135.0M$136.0M$156.0M$160.0M
Goodwill $428.0M$428.0M$670.0M$670.0M$671.0M$665.0M$665.0M$665.0M$701.0M$545.0M
Other intangibles $6.0M$9.0M$25.0M$35.0M$55.0M$70.0M$92.0M$121.0M$108.0M$124.0M
Total assets $48.68B$51.79B$61.38B$70.80B$80.61B$87.41B$94.90B$104.18B$114.99B$121.14B
Short-term debt $5.07B$5.13B$4.23B$5.87B$2.49B$6.61B$8.48B$5.42B$4.77B$2.33B
Long-term debt $40.63B$43.18B$53.40B$61.03B$74.49B$77.33B$81.72B$93.52B$105.01B$112.37B
Total liabilities $46.28B$49.15B$58.62B$67.82B$78.00B$84.97B$91.55B$100.63B$111.51B$117.41B
Retained earnings $4.55B$4.70B$4.64B$4.49B$3.94B$3.33B$3.66B$3.22B$3.00B$2.89B
Total equity $2.40B$2.64B$2.76B$2.98B$2.61B$2.45B$3.35B$3.55B$3.48B$3.72B

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $441.0M$459.0M$676.0M$305.0M$702.0M$987.0M$1.02B$1.14B$1.16B$1.35B
Stock-based compensation $21.0M$23.0M$24.0M$19.0M$22.0M$18.0M$25.0M$25.0M$35.0M$26.0M
Investing cash flow $2.71B$8.47B$7.36B$10.59B$6.67B$6.45B$7.49B$10.36B$7.12B$11.28B
Financing cash flow -$3.15B-$9.62B-$10.05B-$9.66B-$7.33B-$7.68B-$9.98B-$10.88B-$8.34B-$13.10B
Dividends paid $63.0M$70.0M$78.0M$91.0M$107.0M$123.0M$147.0M$166.0M$176.0M$201.0M
Buybacks $111.0M$179.0M$310.0M$400.0M$600.0M$400.0M$440.0M$220.0M$440.0M$755.0M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001140361-26-014980.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -2B 0 2B 4B 6B Net income, FY2016: 681M Net income, FY2017: 292M Revenue, FY2018: 4.9B Net income, FY2018: 395M Revenue, FY2019: 4.7B Net income, FY2019: 597M Revenue, FY2020: 388M Net income, FY2020: 412M Revenue, FY2021: 507M Net income, FY2021: 717M Revenue, FY2022: 332M Net income, FY2022: 645M Revenue, FY2023: 4.4B Net income, FY2023: 228M Revenue, FY2024: 3.8B Net income, FY2024: 131M Revenue, FY2025: 3.1B Net income, FY2025: -80M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue — — $4.91B $4.67B $388.0M $507.0M $332.0M $4.42B $3.81B $3.11B
Gross profit — — — — — — — — — —
Net income $681.0M $292.0M $395.0M $597.0M $412.0M $717.0M $645.0M $228.0M $131.0M -$80.0M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Cybersecurity incident A cybersecurity incident the company has determined to be material. Required since December 2023. Item 1.05
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Results announced Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Officer or director change Item 5.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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