Navient Corp
NAVI Nasdaq· Security Brokers, Dealers & Flotation Companies
Last close · Oct 27, 2026
$8.42
KIRA · Stoqly’s AI analyst, in plain words
- Navient Corp had $610M of revenue in fiscal 2025, up 125.1% on the year before. Over five years, revenue changed +9.5% a year on average.
- Navient Corp lost $80.0M in fiscal 2025.
- Navient Corp returned $174M to shareholders in fiscal 2025. The diluted share count fell 10.8%.
- Navient Corp owes $45.1B more than it holds in cash.
Market cap
$800M
P/E
—
Revenue
$610M
Net income
−$80.0M
Free cash flow
—
Operating margin
—
Navient Corp in 30 seconds · fiscal 2025
Are sales growing?
+125.1%
Yes. Sales grew 125.1% last year.
Does it make a profit?
−13.1%
No. It lost money last year.
How healthy are the accounts?
4 / 7
Mixed. It passes 4 of 7 health tests.
How is the share priced?
—
No P/E: it made no profit over the last four quarters.
What Navient Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- NAVIENT CORP
- CIK
- 0001593538
Navient Corp · NAVI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $507M | $332M | $321M | $271M | $610M |
| Revenue growth | 30.7% | −34.5% | −3.3% | −15.6% | 125.1% |
| Net interest income | $1.3B | $1.1B | $862M | $536M | $519M |
| Net income | $717M | $645M | $228M | $131M | −$80.0M |
| Net margin | 141.4% | 194.3% | 71.0% | 48.3% | −13.1% |
| Diluted EPS | $4.18 | $4.49 | $1.85 | $1.18 | −$0.81 |
| Cash | |||||
| Cash from operations | $702M | $305M | $676M | $459M | $441M |
| Dividends paid | $107M | $91.0M | $78.0M | $70.0M | $63.0M |
| Share buybacks | $600M | $400M | $310M | $179M | $111M |
| Share count change | −11.8% | −16.3% | −14.6% | −9.8% | −10.8% |
| Debt and strength | |||||
| Cash and short-term investments | $905M | $1.5B | $839M | $722M | $637M |
| Debt incl. finance leases | $77.0B | $66.9B | $57.6B | $48.3B | $45.7B |
| Shareholders' equity | $2.6B | $3.0B | $2.8B | $2.6B | $2.4B |
| Returns and quality | |||||
| Return on equity | 28.5% | 23.1% | 7.9% | 4.9% | −3.2% |
| Return on tangible equity | 38.3% | 28.4% | 11.0% | 5.9% | −4.1% |
| Efficiency ratio | 249.1% | 250.3% | 260.1% | 319.2% | 72.3% |
| Piotroski F-score | 6 | 5 | 6 | 6 | 4 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Navient Corp · NAVI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $8.42 a share, the company is worth $800M.
Source: SEC EDGAR XBRL filings (CIK 0001593538). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.