NAVI · CIK 0001593538
NAVIENT CORP
Annual figures as reported, FY2014–FY2025. Ratios and growth rates derived on-page.
Security Brokers, Dealers & Flotation Companies
Company profile
Revenue
$271.0M
▼ −15.6% vs FY2023
Net income
−$80.0M
▼ −161.1% vs FY2024
Operating cash flow
$441.0M
▼ −3.9% vs FY2024
Diluted EPS
−$0.81
▼ −168.6% vs FY2024
Revenue
Annual, as reported
Net income
Losses shown in terracotta
Recent quarters
momentum · last 12 quartersNet income — Mar ’26 quarter
$17.0M
▲ +950.0% vs Mar ’25
Diluted EPS — trailing 12 months
−$0.62
▼ −219.2% vs Mar ’25
Quarterly net income
Losses shown in terracotta
| Quarter | Revenue | Rev. YoY | Gross margin | Net income | Net margin | Diluted EPS |
|---|---|---|---|---|---|---|
| Mar ’26 | — | — | — | $17.0M | — | $0.17 |
| Dec ’25 | — | — | — | −$6.0M | — | −$0.05 |
| Sep ’25 | — | — | — | −$86.0M | — | −$0.87 |
| Jun ’25 | — | — | — | $14.0M | — | $0.13 |
| Mar ’25 | — | — | — | −$2.0M | — | −$0.02 |
| Dec ’24 | — | — | — | $24.0M | — | $0.24 |
| Sep ’24 | — | — | — | −$2.0M | — | −$0.02 |
| Jun ’24 | — | — | — | $36.0M | — | $0.32 |
Profitability & returns
quality of earningsMargins
Share of revenue kept at each line
Returns on capital
Net income vs year-end equity and assets
Return on equityReturn on assets
Cash flow
cash generationOperating cash flow
Net cash from operations
Shareholder returns
capital allocationCapital returned
Cash paid out as dividends and share repurchases
Dividends paidBuybacks
Diluted shares outstanding
Falling count means buybacks outpace dilution
Balance sheet
financial positionStockholders’ equity
At fiscal year end
Net debt
Long-term debt less cash — negative means net cash
Growth rates
compounding, annualizedRevenue CAGR
−18.8%
3y
−7.1%
5y
Share count change (split-adjusted)
−49.2%
5y
−74.1%
10y
Key ratios
derived per fiscal year| Fiscal year | Net margin | ROE | ROA | Debt / equity | DPS |
|---|---|---|---|---|---|
| FY2025 | — | −3.3% | −0.2% | 16.94× | $0.64 |
| FY2024 | 48.3% | 5.0% | 0.3% | 16.35× | $0.64 |
| FY2023 | 71.0% | 8.3% | 0.4% | 19.35× | $0.64 |
| FY2022 | 194.3% | 21.7% | 0.9% | 20.50× | $0.64 |
| FY2021 | 141.4% | 27.6% | 0.9% | 28.68× | $0.64 |
| FY2020 | 106.2% | 16.9% | 0.5% | 31.78× | $0.64 |
| FY2019 | 152.7% | 17.9% | 0.6% | 24.49× | $0.64 |
| FY2018 | 110.0% | 11.2% | 0.4% | 26.58× | $0.64 |
| FY2017 | — | 8.5% | 0.3% | 30.40× | $0.64 |
| FY2016 | — | 18.4% | 0.6% | 30.38× | $0.64 |
| FY2015 | — | 25.2% | 0.7% | 31.93× | $0.64 |
| FY2014 | — | 27.1% | 0.8% | 32.60× | $0.60 |
Annual figures
as reported| Fiscal year | Revenue | Gross profit | Op. income | Net income | Diluted EPS | Op. cash flow | Capex | Total assets | Liabilities | Equity | Cash | LT debt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY2025 | — | — | — | −$80.0M | −$0.81 | $441.0M | — | $48.7B | $46.3B | $2.4B | $637.0M | $40.6B |
| FY2024 | $271.0M | — | — | $131.0M | $1.18 | $459.0M | — | $51.8B | $49.1B | $2.6B | $722.0M | $43.2B |
| FY2023 | $321.0M | — | — | $228.0M | $1.85 | $676.0M | — | $61.4B | $58.6B | $2.8B | $839.0M | $53.4B |
| FY2022 | $332.0M | — | — | $645.0M | $4.49 | $305.0M | — | $70.8B | $67.8B | $3.0B | $1.5B | $61.0B |
| FY2021 | $507.0M | — | — | $717.0M | $4.18 | $702.0M | — | $80.6B | $78.0B | $2.6B | $905.0M | $74.5B |
| FY2020 | $388.0M | — | — | $412.0M | $2.12 | $987.0M | — | $87.4B | $85.0B | $2.4B | $1.2B | $77.3B |
| FY2019 | $391.0M | — | — | $597.0M | $2.56 | $1.0B | — | $94.9B | $91.6B | $3.3B | $1.2B | $81.7B |
| FY2018 | $359.0M | — | — | $395.0M | $1.49 | $1.1B | — | $104.2B | $100.6B | $3.5B | $1.3B | $93.5B |
| FY2017 | — | — | — | $292.0M | $1.04 | $1.2B | — | $115.0B | $111.5B | $3.5B | $1.5B | $105.0B |
| FY2016 | — | — | — | $681.0M | $2.12 | $1.3B | — | $121.1B | $117.4B | $3.7B | $1.3B | $112.4B |
| FY2015 | — | — | — | $984.0M | $2.58 | $1.9B | — | $134.0B | $130.1B | $3.9B | $1.6B | $124.8B |
| FY2014 | — | — | — | $1.1B | $2.66 | $1.7B | — | $146.4B | $142.2B | $4.2B | $1.4B | $136.9B |
Latest filings
the most recent regulatory filings8-KCurrent report — material event2026-07-02 ↗11-KEmployee stock plan report2026-06-23 ↗4PRIMARY DOCUMENT2026-06-05 ↗4PRIMARY DOCUMENT2026-06-05 ↗4PRIMARY DOCUMENT2026-06-05 ↗4PRIMARY DOCUMENT2026-06-05 ↗4PRIMARY DOCUMENT2026-06-05 ↗8-KCurrent report — material event2026-06-05 ↗8-KCurrent report — material event2026-05-29 ↗424B2Prospectus2026-05-27 ↗
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