Saturday 17 October 2026 Export NAVI’s income statement to Excel — free account

Navient Corporation

Navient Corporation’s revenue for fiscal 2025 (year ended December 2025) was $3.2 billion, down 27.7% from fiscal 2024. In the quarter to June 2026, revenue fell 11.9%, EPS grew 92.9%, free cash flow grew 13.5% and total debt fell 5.25%, each against the same quarter a year earlier. Dividend growth for ten consecutive years.

9.28 0.28 −2.93%

Follow NAVI

Alert me

Market cap: $896.6M
P/E: 0.0×
Fwd P/E: 10.6×
Dividend yield: 6.90%
F-score: 3/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 1.99%

Capital & Financial Ratios $m

Market Cap 896.58

Revenue 2,991.00

Net Income (49.00)

Free Cash Flow 340.00

Net Debt 37,984.00

Current Ratio 10.53

Debt/Equity 16.73

P/E ratio 0.00

Fwd P/E 10.60

P/S ratio 0.29

P/B ratio 0.36

Past 5Y EPS Growth —

This Y EPS Growth 331.22%

Next Y EPS Growth 22.28%

Next Y revenue growth (83.59%)

Next 5Y EPS Growth (10.96%)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 7.00%

10-year low 10-year high

P/B against its own 10 years 4.98%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate 0.64

Annual Dividend Yield 6.90%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.64	0.16 0.16 0.16
2025	0.64	0.16 0.16 0.16 0.16
2024	0.64	0.16 0.16 0.16 0.16
2023	0.64	0.16 0.16 0.16 0.16
2022	0.64	0.16 0.16 0.16 0.16
2021	0.64	0.16 0.16 0.16 0.16
2020	0.64	0.16 0.16 0.16 0.16
2019	0.64	0.16 0.16 0.16 0.16
2018	0.64	0.16 0.16 0.16 0.16
2017	0.64	0.16 0.16 0.16 0.16
2016	0.64	0.16 0.16 0.16 0.16

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	2,793	2,103	2,104	2,139
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	57,620	48,671	45,696	44,388

	2023	2024	2025	Q'26
Payables	—	—	—	—
ST’ Debt	—	—	—	—
Other	—	—	—	—
	4,226	5,134	5,073	4,214

Compound Annual Growth %

	10y	5y	3y
Sales	(4.74%)	(3.01%)	(5.90%)
Cash Flow	(13.63%)	(14.88%)	13.08%
Earnings	0.00%	0.00%	0.00%
Book Value	(4.82%)	(0.40%)	(6.94%)

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	716	710	—	—	—
’25	828	806	800	765	3,199
’24	1,162	1,090	1,224	949	4,425
’23	1,159	1,226	1,301	1,142	4,828
’22	849	826	1,031	1,133	3,839
’21	996	837	820	801	3,454
’20	939	952	938	899	3,728

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(47)	143	—	—	—
’25	71	126	70	174	441
’24	182	279	(10)	8	459
’23	145	99	122	310	676
’22	(109)	139	68	207	305
’21	179	154	201	168	702
’20	453	142	221	171	987

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(47)	143	—	—	—
’25	71	126	70	174	441
’24	182	279	(10)	8	459
’23	145	99	122	310	676
’22	(109)	139	68	207	305
’21	179	154	201	168	702
’20	453	142	221	171	987

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.17	0.26	—	—	—
’25	(0.02)	0.13	(0.87)	(0.06)	(0.81)
’24	0.64	0.32	(0.02)	0.22	1.18
’23	0.86	0.52	0.65	(0.25)	1.85
’22	1.67	1.22	0.75	0.78	4.49
’21	2.00	1.05	1.04	(0.07)	4.18
’20	(0.53)	0.64	1.07	0.99	2.12

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	8.20	11.48	8.23	8.64	4.07	9.87	12.45	14.10	12.78	10.53	Analyst estimates 2026–2028 Powerpack
	High	17.95	17.05	15.03	15.67	15.50	23.80	22.59	19.69	18.74	16.07
People
People	Employees	6,773	6,700	6,500	5,800	5,560	4,330	4,000	4,500	2,100	670
	Revenue/emp, $m	0.73	0.77	0.86	0.95	0.67	0.80	0.96	1.07	2.11	4.77
Income, $m
Income, $m	Revenue	4,965	5,179	5,610	5,529	3,728	3,454	3,839	4,828	4,425	3,199
	Gross margin, %	50.84	42.63	34.62	36.91	45.12	61.90	45.25	26.33	26.03	19.07
	EBT	1,108	764	528	763	532	936	827	313	174	(111)
	EBT margin, %	22.32	14.75	9.41	13.80	14.27	27.10	21.54	6.48	3.93	(3.47)
	Net income	681	292	395	597	412	717	645	228	131	(80)
	Depreciation	36	23	47	30	22	30	19	10	146	3
Per share, $
Per share, $	Revenue	15.71	18.83	21.58	24.04	19.32	20.32	27.04	39.57	40.60	32.31
	Earnings	2.15	1.06	1.52	2.59	2.12	4.23	4.54	1.87	1.20	(0.81)
	Cash flow	4.26	4.21	4.38	4.43	5.11	4.13	2.15	5.54	4.21	4.45
	Capex	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Free cash flow	4.26	4.21	4.38	4.43	5.11	4.13	2.15	5.54	4.21	4.45
	Book value	11.78	12.67	13.64	14.56	12.68	15.34	20.96	22.62	24.23	24.23
	Shares, m	316	275	260	230	193	170	142	122	109	99
Valuation, ×
Valuation, ×	P/E	7.77	13.11	5.83	5.28	4.50	5.24	3.71	10.27	11.26	0.00
	P/S	1.06	0.72	0.41	0.57	0.51	1.04	0.61	0.47	0.33	0.40
	P/B	1.41	1.08	0.65	0.94	0.77	1.38	0.79	0.82	0.55	0.54
	EV/Sales	22.71	20.10	16.14	14.66	20.30	21.57	15.26	10.95	9.61	12.45
	EV/FCF	83.72	89.91	79.43	79.57	76.69	106.15	192.02	78.20	92.66	90.29
Cash, $m
Cash, $m	Operating cash flow	1,347	1,158	1,140	1,019	987	702	305	676	459	441
	Capex	—	—	—	—	—	—	—	—	—	—
	Free cash flow	1,347	1,158	1,140	1,019	987	702	305	676	459	441
Balance, $m
Balance, $m	Working capital	113,589	104,997	94,338	82,118	76,287	73,900	61,187	53,394	43,537	40,623
	Total debt	112,368	105,012	93,519	81,715	77,332	74,488	61,026	53,402	43,184	40,633
	Net debt	107,515	100,366	88,257	77,934	73,795	70,910	56,219	50,609	41,081	38,529
	Shareholders’ equity	3,723	3,485	3,547	3,349	2,447	2,608	2,977	2,760	2,641	2,399
Returns, %
Returns, %	ROA	0.53	0.25	0.36	0.60	0.45	0.85	0.85	0.35	0.23	(0.16)
	ROIC	0.62	0.48	0.37	0.59	0.44	0.82	0.91	0.40	0.30	(0.14)
	ROE	17.79	8.10	11.23	17.31	14.22	28.37	23.10	7.95	4.85	(3.17)

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
ATLC Atlanticus Holdings Corporation	$1.4B	9.6×	8.8×	+88.84% (above 0%: growing)	+67.38% (above 0%: growing)	+112.08% (above 0%: growing)	83.42%	0.00%	Compare
JCAP Jefferson Capital, Inc.	$1.2B	8.4×	6.3×	+16.26% (above 0%: growing)	−96.40% (below 0%: shrinking)	−45.57% (below 0%: shrinking)	63.06%	45.87%	Compare
NAVI Navient Corporation	$896.6M	— (loss-making)	10.6×	−11.91% (below 0%: shrinking)	+92.86% (above 0%: growing)	+13.49% (above 0%: growing)	21.13%	0.00%
WRLD World Acceptance Corporation	$803.8M	20.3×	15.2×	+4.85% (above 0%: growing)	+432.00% (above 0%: growing)	+9.97% (above 0%: growing)	100.00%	13.88%	Compare
PRAA PRA Group, Inc.	$751.1M	— (loss-making)	6.0×	+29.37% (above 0%: growing)	+40.74% (above 0%: growing)	−172.63% (below 0%: shrinking)	100.00%	41.19%	Compare
LU Lufax Holding Ltd. Sponsored ADR	$740.9M	— (loss-making)	2.4×	−4.84% (below 0%: shrinking)	n/m	−225.59% (below 0%: shrinking)	100.00%	68.30%	Compare
QFIN Qfin Holdings Inc. - Sponsored ADR	$709.5M	1.3×	3.6×	−27.81% (below 0%: shrinking)	−72.53% (below 0%: shrinking)	−55.53% (below 0%: shrinking)	81.04%	36.17%	Compare
GDOT Green Dot Corporation	$698.6M	— (loss-making)	11.6×	+18.19% (above 0%: growing)	n/m	+61.21% (above 0%: growing)	100.00%	(0.13%)	Compare
OPFI OppFi Inc.	$491.7M	1.7×	4.3×	−14.04% (below 0%: shrinking)	n/m	−3.92% (below 0%: shrinking)	86.77%	37.69%	Compare
Median of peers	$746.0M	8.4×	6.1×	+10.56%	+40.74%	−24.74%	93.39%	36.93%

All 55 Credit Services stocks →

Navient Corporation (NAVI) key facts

Concern: Navient Corporation’s revenue for fiscal 2025 (year ended December 2025) was $3.2 billion, down 27.7% from fiscal 2024.
Concern: Navient Corporation reported a net loss of $80.0 million, or a loss of $0.81 per share, for fiscal 2025.
Navient Corporation (NAVI) is a Credit Services company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, NAVI traded at $9.28, a market capitalization of $896.6 million.
Trailing earnings are negative, so a P/E ratio is not meaningful; the stock trades at 0.3× sales.
Navient Corporation pays an annual dividend of $0.64 per share, a yield of 6.90%.
Return on equity was −3.17% and debt-to-equity 16.73.
Its Piotroski F-score is 3 out of 9 for fiscal 2025.