Navient Corporation
NASDAQ•NAVI
CEO: Mr. David L. Yowan
Sector: Financial Services
Industry: Financial - Credit Services
Listing Date: 2014-04-17
Navient Corporation provides technology-enabled education finance and business processing solutions for education, health care, and government clients in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. It also owns, originates, and services refinance and in-school private education loans; and offers business processing solutions, such as omnichannel contact center, workflow processing, and revenue cycle optimization services to federal agencies, state governments, tolling and parking authorities, other public sector clients, as well as hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments. In addition, the company provides corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.
Contact Information
Market Cap
$789.24M
P/E (TTM)
-8.8
21.5
Dividend Yield
7.7%
52W High
$16.07
52W Low
$8.01
52W Range
Rank52Top 73.5%
2.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 2.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$761.00M-22.11%
4-Quarter Trend
EPS
-$0.06-126.09%
4-Quarter Trend
FCF
$174.00M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Private Loan Originations Surge Private Education Loan originations increased 77% in 2025, reaching $2.5B compared to $1.4B prior year.
Federal Loan Segment Income Rises Federal Education Loans segment Core Earnings grew 10% to $115M in 2025, up from $105M in 2024.
Capital Returned to Shareholders Total capital returned reached $174M in 2025, comprising $63M dividends and $111M common stock repurchases.
Equity Ratio Remains Strong Adjusted Tangible Equity Ratio measured 9.1% as of December 31, 2025, supporting capital allocation decisions.
Risk Factors
Loan Loss Provision Spikes Provision for loan losses increased $167M to $280M in 2025, driven by elevated delinquency balances and outlook.
GAAP Results Show Net Loss GAAP basis reported a net loss of $80M in 2025, a reversal from $131M net income recorded in 2024.
FFELP Prepayments Decline Sharply FFELP Loan prepayments fell 82% to $977M in 2025 from $5.4B in 2024, impacting premium amortization.
Private Loan Delinquency Rises Private Education Loan delinquencies greater than 90 days increased to 2.9% of loans in repayment status.
Outlook
Expense Base Significantly Reduced Achieved and exceeded $400M expense reduction objective through strategic streamlining and divestitures completed in 2025.
Focus on Private Loan Growth Executing strategy to enhance growth business value via high-quality Private Education Loan originations targeting returns.
New Share Repurchase Authorized Board authorized a new $100M share repurchase program in October 2025, with full amount remaining available.
FFELP Portfolio Expected Wind-Down Federal Education Loans segment is expected to wind down over time as the portfolio amortizes under current policies.
Peer Comparison
Revenue (TTM)
$4.43B
$3.20B
$1.34B
Gross Margin (Latest Quarter)
91.5%
89.3%
88.4%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| BFC | $1.53B | 18.8 | 8.1% | 2.8% |
| EZPW | $1.49B | 12.6 | 12.5% | 38.5% |
| DCOM | $1.40B | 12.4 | 7.7% | 2.4% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-2.8%
Flat Growth
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 28, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data