What is Navient Corporation's earnings per share (EPS)?

Navient Corporation (NAVI) reported diluted earnings per share of $-0.81 for fiscal year 2025. This represents a -168.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Navient Corporation Financials

NAVI

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Navient Corporation (NAVI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 14 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI NAVI FY2025 2026-04-22

Navient’s dominant mechanic is balance-sheet runoff: liabilities and debt are shrinking faster than durable returns and capital resilience are rebuilding.

Long-term debt has been reduced to $40.6B over the last two years, and interest expense eased with it. Yet return on assets turned -0.2%, which suggests deleveraging is easing the funding burden faster than the company is restoring earning power on its remaining assets and equity.

The latest year showed a net loss of -$80M while operating cash flow stayed positive at $441M, so cash generation and accounting earnings are not moving in lockstep. On an asset-heavy balance sheet, that pattern usually means collections and portfolio runoff can still produce cash from the existing book even when reported profit dips below zero.

Total assets have been reduced from $80.6B to $48.7B, pointing to a smaller balance sheet rather than a growing one. Equity never moved far above $3.0B, so lower leverage reflects runoff more than a much thicker capital base, leaving only a modest buffer if asset returns soften.

Financial Health Signals

Financial Profile 19/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Navient Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

100

Navient Corporation's revenue surged 1046.9% year-over-year to $3.1B, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage

Navient Corporation has elevated debt relative to equity (D/E of 16.94), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Navient Corporation generates a -3.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 14/100. This is down from 5.0% the prior year.

Piotroski F-Score Neutral

4/9

Navient Corporation passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

-5.51x

For every $1 of reported earnings, Navient Corporation generates $-5.51 in operating cash flow ($441.0M OCF vs -$80.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$3.1B

YoY+1046.9%

5Y CAGR+51.6%

Navient Corporation generated $3.1B in revenue in fiscal year 2025. This represents an increase of 1046.9% from the prior year.

EBITDA

N/A

Net Income

-$80.0M

YoY-161.1%

Navient Corporation reported -$80.0M in net income in fiscal year 2025. This represents a decrease of 161.1% from the prior year.

EPS (Diluted)

$-0.81

YoY-168.6%

Navient Corporation earned $-0.81 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 168.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$637.0M

YoY-11.8%

5Y CAGR-11.6%

10Y CAGR-8.8%

Navient Corporation held $637.0M in cash against $40.6B in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.64

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR+0.0%

Navient Corporation paid $0.64 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

95M

YoY-7.0%

5Y CAGR-12.3%

10Y CAGR-12.0%

Navient Corporation had 95M shares outstanding in fiscal year 2025. This represents a decrease of 7.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-2.6%

YoY-50.9pp

5Y CAGR-108.8pp

Navient Corporation's net profit margin was -2.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 50.9 percentage points from the prior year.

Return on Equity

-3.3%

YoY-8.3pp

5Y CAGR-20.3pp

10Y CAGR-28.5pp

Navient Corporation's ROE was -3.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 8.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$111.0M

YoY-38.0%

5Y CAGR-22.6%

10Y CAGR-19.3%

Navient Corporation spent $111.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 38.0% from the prior year.

Capital Expenditures

N/A

NAVI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$3.1B+1046.9%	$271.0M-15.6%	$321.0M-3.3%	$332.0M-34.5%	$507.0M+30.7%	$388.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$149.0M-52.8%	$316.0M-21.2%	$401.0M-9.7%	$444.0M-22.0%	$569.0M+14.5%	$497.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$2.6B-20.9%	$3.3B-8.0%	$3.6B+69.2%	$2.1B+59.7%	$1.3B-35.7%	$2.0B
Income Tax	-$31.0M-172.1%	$43.0M-49.4%	$85.0M-53.3%	$182.0M-16.9%	$219.0M+82.5%	$120.0M
Net Income	-$80.0M-161.1%	$131.0M-42.5%	$228.0M-64.7%	$645.0M-10.0%	$717.0M+74.0%	$412.0M
EPS (Diluted)	$-0.81-168.6%	$1.18-36.2%	$1.85-58.8%	$4.49+7.4%	$4.18+97.2%	$2.12

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$695.0M-7.0%	$747.0M-4.4%	$781.0M+0.4%	$778.0M-3.0%	$802.0M+1765.1%	$43.0M-38.6%	$70.0M-13.6%	$81.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$32.0M-3.0%	$33.0M+3.1%	$32.0M-8.6%	$35.0M-28.6%	$49.0M-12.5%	$56.0M-22.2%	$72.0M-17.2%	$87.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$564.0M-10.2%	$628.0M-1.7%	$639.0M-1.7%	$650.0M-3.3%	$672.0M-7.6%	$727.0M-12.2%	$828.0M-1.8%	$843.0M
Income Tax	$15.0M+1600.0%	-$1.0M+96.8%	-$31.0M-875.0%	$4.0M+233.3%	-$3.0M-250.0%	$2.0M-85.7%	$14.0M+16.7%	$12.0M
Net Income	$17.0M+383.3%	-$6.0M+93.0%	-$86.0M-714.3%	$14.0M+800.0%	-$2.0M-108.3%	$24.0M+1300.0%	-$2.0M-105.6%	$36.0M
EPS (Diluted)	$0.17	N/A	$-0.87-769.2%	$0.13+750.0%	$-0.02	N/A	$-0.02-106.3%	$0.32

NAVI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$48.7B-6.0%	$51.8B-15.6%	$61.4B-13.3%	$70.8B-12.2%	$80.6B-7.8%	$87.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$637.0M-11.8%	$722.0M-13.9%	$839.0M-45.3%	$1.5B+69.6%	$905.0M-23.5%	$1.2B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$12.0M-75.5%	$49.0M-51.5%	$101.0M+21.7%	$83.0M-47.8%	$159.0M+34.7%	$118.0M
Goodwill	$428.0M0.0%	$428.0M-36.1%	$670.0M0.0%	$670.0M-0.1%	$671.0M+0.9%	$665.0M
Total Liabilities	$46.3B-5.8%	$49.1B-16.2%	$58.6B-13.6%	$67.8B-13.1%	$78.0B-8.2%	$85.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$40.6B-5.9%	$43.2B-19.1%	$53.4B-12.5%	$61.0B-18.1%	$74.5B-3.7%	$77.3B
Total Equity	$2.4B-9.2%	$2.6B-4.3%	$2.8B-7.3%	$3.0B+14.6%	$2.6B+6.7%	$2.4B
Retained Earnings	$4.6B-3.1%	$4.7B+1.3%	$4.6B+3.3%	$4.5B+14.0%	$3.9B+18.3%	$3.3B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$48.0B-1.4%	$48.7B-1.3%	$49.3B-1.8%	$50.2B-1.4%	$51.0B-1.6%	$51.8B-3.1%	$53.4B-5.6%	$56.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$621.0M-2.5%	$637.0M+11.6%	$571.0M-19.8%	$712.0M+10.9%	$642.0M-11.1%	$722.0M-36.8%	$1.1B+5.1%	$1.1B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$11.0M-8.3%	$12.0M-20.0%	$15.0M-21.1%	$19.0M0.0%	$19.0M-61.2%	$49.0M-14.0%	$57.0M-35.2%	$88.0M
Goodwill	$428.0M0.0%	$428.0M	N/A	N/A	N/A	$428.0M0.0%	$428.0M	N/A
Total Liabilities	$45.6B-1.4%	$46.3B-1.2%	$46.9B-1.7%	$47.7B-1.5%	$48.4B-1.6%	$49.1B-3.1%	$50.7B-5.8%	$53.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$39.2B-3.4%	$40.6B-1.9%	$41.4B-2.2%	$42.3B-1.2%	$42.9B-0.7%	$43.2B-3.4%	$44.7B-6.0%	$47.5B
Total Equity	$2.4B-0.8%	$2.4B-1.6%	$2.4B-4.9%	$2.6B-1.0%	$2.6B-2.0%	$2.6B-2.0%	$2.7B-2.0%	$2.7B
Retained Earnings	$4.6B0.0%	$4.6B-0.5%	$4.6B-2.2%	$4.7B-0.1%	$4.7B-0.4%	$4.7B+0.1%	$4.7B-0.4%	$4.7B

NAVI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$441.0M-3.9%	$459.0M-32.1%	$676.0M+121.6%	$305.0M-56.6%	$702.0M-28.9%	$987.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$2.7B-68.0%	$8.5B+15.1%	$7.4B-30.5%	$10.6B+58.6%	$6.7B+3.5%	$6.4B
Financing Cash Flow	-$3.2B+67.2%	-$9.6B+4.3%	-$10.0B-4.0%	-$9.7B-31.7%	-$7.3B+4.5%	-$7.7B
Dividends Paid	$63.0M-10.0%	$70.0M-10.3%	$78.0M-14.3%	$91.0M-15.0%	$107.0M-13.0%	$123.0M
Share Buybacks	$111.0M-38.0%	$179.0M-42.3%	$310.0M-22.5%	$400.0M-33.3%	$600.0M+50.0%	$400.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	-$47.0M-127.0%	$174.0M+148.6%	$70.0M-44.4%	$126.0M+77.5%	$71.0M+787.5%	$8.0M+180.0%	-$10.0M-103.6%	$279.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$691.0M-7.5%	$747.0M+33.6%	$559.0M-25.0%	$745.0M+12.7%	$661.0M-27.1%	$907.0M-53.7%	$2.0B-40.0%	$3.3B
Financing Cash Flow	-$617.0M+10.4%	-$689.0M+17.4%	-$834.0M+1.8%	-$849.0M-8.8%	-$780.0M+51.4%	-$1.6B+49.3%	-$3.2B-27.1%	-$2.5B
Dividends Paid	$15.0M0.0%	$15.0M-6.3%	$16.0M0.0%	$16.0M0.0%	$16.0M-5.9%	$17.0M-5.6%	$18.0M+5.9%	$17.0M
Share Buybacks	$23.0M-11.5%	$26.0M0.0%	$26.0M+8.3%	$24.0M-31.4%	$35.0M-46.2%	$65.0M+97.0%	$33.0M-13.2%	$38.0M

NAVI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-2.6%-50.9pp	48.3%-22.7pp	71.0%-123.3pp	194.3%+52.9pp	141.4%+35.2pp	106.2%
Return on Equity	-3.3%-8.3pp	5.0%-3.3pp	8.3%-13.4pp	21.7%-5.9pp	27.6%+10.7pp	16.9%
Return on Assets	-0.2%-0.4pp	0.3%-0.1pp	0.4%-0.5pp	0.9%+0.0pp	0.9%+0.4pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	16.94+0.6	16.35-3.0	19.35-1.2	20.50-8.2	28.68-3.1	31.78
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	2.5%+3.3pp	-0.8%+10.2pp	-11.0%-12.8pp	1.8%+2.0pp	-0.3%-56.1pp	55.8%+58.7pp	-2.9%-47.3pp	44.4%
Return on Equity	0.7%+1.0pp	-0.3%+3.3pp	-3.5%-4.1pp	0.5%+0.6pp	-0.1%-1.0pp	0.9%+1.0pp	-0.1%-1.4pp	1.3%
Return on Assets	0.0%+0.1pp	-0.0%+0.2pp	-0.2%-0.2pp	0.0%+0.0pp	0.0%-0.1pp	0.1%+0.1pp	0.0%-0.1pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	16.49-0.4	16.94-0.0	16.98+0.5	16.52-0.0	16.56+0.2	16.35-0.2	16.59-0.7	17.30
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Similar Companies

Lexinfintch Hold LX

$367.5M

Atlanticus Holdings Corp ATLC

$1.3B

Ezcorp Inc EZPW

$2.1B

Encore Cap Group Inc ECPG

$1.7B

World Accep Corporation WRLD

$748.9M

Frequently Asked Questions

What is Navient Corporation's annual revenue?

Navient Corporation (NAVI) reported $3.1B in total revenue for fiscal year 2025. This represents a 1046.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Navient Corporation's revenue growing?

Navient Corporation (NAVI) revenue grew by 1046.9% year-over-year, from $271.0M to $3.1B in fiscal year 2025.

Is Navient Corporation profitable?

No, Navient Corporation (NAVI) reported a net income of -$80.0M in fiscal year 2025, with a net profit margin of -2.6%.

How much debt does Navient Corporation have?

As of fiscal year 2025, Navient Corporation (NAVI) had $637.0M in cash and equivalents against $40.6B in long-term debt.

What is Navient Corporation's net profit margin?

Navient Corporation (NAVI) had a net profit margin of -2.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Navient Corporation pay dividends?

Yes, Navient Corporation (NAVI) paid $0.64 per share in dividends during fiscal year 2025.

What is Navient Corporation's return on equity (ROE)?

Navient Corporation (NAVI) has a return on equity of -3.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Navient Corporation's operating cash flow?

Navient Corporation (NAVI) generated $441.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Navient Corporation's total assets?

Navient Corporation (NAVI) had $48.7B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Navient Corporation buy back shares?

Yes, Navient Corporation (NAVI) spent $111.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Navient Corporation have outstanding?

Navient Corporation (NAVI) had 95M shares outstanding as of fiscal year 2025.

What is Navient Corporation's debt-to-equity ratio?

Navient Corporation (NAVI) had a debt-to-equity ratio of 16.94 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Navient Corporation's return on assets (ROA)?

Navient Corporation (NAVI) had a return on assets of -0.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Navient Corporation's Piotroski F-Score?

Navient Corporation (NAVI) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Navient Corporation's earnings high quality?

Navient Corporation (NAVI) has an earnings quality ratio of -5.51x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Navient Corporation?

Navient Corporation (NAVI) scores 19 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.