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Navient Corp (NAVI) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · CREDIT SERVICES · DATA UPDATED 2026-09-18

Navient Corp (NAVI) operates in the CREDIT SERVICES industry and is headquartered in Herndon, United States with about 670 employees. Its market capitalization is roughly $892 million. In the fiscal year ended 2025-12-31, NAVI reported $3.2B in revenue and ($80M) in net income.

Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending.

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NAVI Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$2.9B	$3.2B	$4.2B	$4.8B	$1.7B	$2.2B	$3.7B	$5.5B	$5.6B	$5.2B	$5.0B	$5.2B	$5.6B	$6.2B	$3.3B	$5.7B	$6.5B	$5.6B	$7.7B	$9.2B	$8.8B
Gross Profit	$1.5B	$2.8B	$848M	$1.2B	$1.7B	$1.0B	$1.5B	$1.7B	$1.6B	$1.8B	$2.1B	$2.5B	$2.9B	$3.2B	$3.3B	$4.3B	$4.2B	$3.9B	$6.1B	$8.1B	$7.5B
Gross Margin %	49.4%	87.0%	20.0%	23.9%	100.0%	45.4%	41.1%	31.7%	27.8%	34.4%	42.2%	48.7%	51.9%	51.0%	100.0%	75.0%	65.1%	68.7%	79.3%	88.6%	86.2%
Operating Income (EBIT)	$1.1B	$2.5B	$174M	$313M	$2.9B	$936M	$532M	$763M	$528M	$764M	$1.1B	$1.6B	$1.8B	$2.1B	$4.0B	$4.3B	$4.2B	$3.9B	$6.1B	$8.1B	$7.5B
Operating Margin %	37.2%	77.1%	4.1%	6.5%	168.6%	42.3%	14.2%	13.9%	9.4%	14.7%	22.3%	30.5%	32.2%	33.6%	120.9%	75.0%	65.1%	68.7%	79.3%	87.9%	85.5%
Net Income	($49M)	($80M)	$131M	$228M	$645M	$717M	$412M	$597M	$395M	$292M	$681M	$984M	$1.1B	$1.4B	$939M	$633M	$530M	$324M	—	—	$1.2B
Net Margin %	-1.7%	-2.5%	3.1%	4.7%	37.1%	32.4%	11.0%	10.9%	7.1%	5.6%	13.7%	19.0%	20.2%	22.8%	28.4%	11.1%	8.2%	5.8%	—	—	13.2%
EBITDA	$1.1B	$2.5B	$174M	$313M	$2.9B	$966M	$553M	$788M	$559M	$787M	$1.1B	$1.6B	$1.8B	$2.1B	$4.0B	—	—	—	—	—	—
Earnings Per Share (EPS)	$-0.49	$-0.81	$1.18	$1.85	$4.48	$4.17	$2.11	$2.56	$1.50	$1.04	$2.11	$2.58	$2.68	$3.16	$1.94	$1.21	$1.01	—	—	—	—
Shares Outstanding (M)	96M	99M	111M	123M	144M	172M	195M	233M	264M	281M	322M	382M	425M	449M	483M	523M	523M	—	—	—	—

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

NAVI Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	$682M	$695M	$761M	$800M	$806M	$828M	$977M	$1.0B
Gross Profit	$655M	$131M	$673M	($7M)	$119M	$126M	$206M	$135M
Gross Margin %	96.0%	18.9%	88.4%	-0.9%	14.8%	15.2%	21.1%	13.4%
Operating Income (EBIT)	$573M	$11M	$626M	($117M)	$18M	($5M)	$26M	$12M
Operating Margin %	84.0%	1.6%	82.3%	-14.6%	2.2%	-0.6%	2.7%	1.2%
Net Income	$25M	$17M	($5M)	($86M)	$14M	($2M)	$24M	($2M)
Net Margin %	3.7%	2.5%	-0.7%	-10.8%	1.7%	-0.2%	2.5%	-0.2%
EBITDA	$570M	$15M	$615M	($117M)	$19M	($5M)	$26M	$12M
Earnings Per Share (EPS)	$0.26	$0.18	$-0.06	$-0.87	$0.14	$-0.02	$0.22	$-0.02
Shares Outstanding (M)	96M	96M	83M	99M	101M	102M	109M	108M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

NAVI Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	$340M	$441M	$459M	$676M	$305M	$702M	$987M	$1.0B	$1.1B	$1.2B	$1.4B	$1.9B	$1.7B	$2.0B	$2.6B	$3.1B	—	—	—	—	$808M
Capital Expenditures (CapEx)	$0M	$0M	$0M	$0M	$0M	$0M	$0M	$0M	$0M	$7.3B	$0M	$10.8B	$0M	$0M	$0M	$0M	$0M	$0M	$0M	$0M	$0M
Free Cash Flow (FCF)	$340M	$441M	$459M	$676M	$305M	$702M	$987M	$1.0B	$1.1B	($6.1B)	$1.4B	($8.9B)	$1.7B	$2.0B	$2.6B	$3.1B	—	—	—	—	$808M
FCF Margin %	11.6%	13.7%	10.8%	14.0%	17.6%	31.8%	26.4%	18.6%	20.4%	-118.2%	27.3%	-171.1%	29.5%	32.1%	79.7%	53.9%	—	—	—	—	9.2%
Dividends Paid	$61M	$63M	$70M	$78M	$91M	$107M	$123M	$147M	$166M	$176M	$201M	$240M	$255M	$284M	$257M	$172M	$72M	$116M	$111M	$139M	$433M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

NAVI Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	$143M	($47M)	$174M	$70M	$126M	$71M	$8M	($10M)
Free Cash Flow (FCF)	$143M	($47M)	$174M	$70M	$126M	$71M	$8M	($10M)
FCF Margin %	21.0%	-6.8%	22.9%	8.8%	15.6%	8.6%	0.8%	-1.0%
Dividends Paid	$15M	$15M	$15M	$16M	$16M	$16M	$17M	$18M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

NAVI Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$47.3B	$48.7B	$51.8B	$61.4B	$70.8B	$80.6B	$87.4B	$94.9B	$104.2B	$115.0B	$121.1B	$134.0B	$146.4B	$159.5B	$181.3B	$193.3B	$205.3B	$170.0B	$168.8B	$155.6B	$116.1B
Cash & Cash Equivalents	$2.1B	$2.1B	$722M	$839M	$1.5B	$905M	$1.2B	$1.2B	$1.3B	$1.5B	$1.3B	$1.6B	$1.4B	$5.2B	$8.9B	$2.8B	$4.3B	$6.1B	$4.1B	$7.6B	$6.0B
Total Liabilities	$44.9B	$46.3B	$49.1B	$58.6B	$67.8B	$78.0B	$85.0B	$91.6B	$100.6B	$111.5B	$117.4B	$130.1B	$142.2B	$153.9B	$176.2B	$188.1B	$200.3B	$164.7B	$163.8B	$150.3B	$111.8B
Total Debt (Short + Long-Term)	$44.0B	$46.0B	$48.7B	$58.0B	$66.0B	$78.3B	$83.9B	$91.3B	$102.0B	$117.0B	$126.4B	$142.6B	$153.8B	$139.9B	$158.6B	$141.6B	$163.5B	$130.5B	$118.2B	$111.1B	$104.6B
Total Shareholders' Equity	$2.4B	$2.4B	$2.6B	$2.8B	$3.0B	$2.6B	$2.4B	$3.3B	$3.5B	$3.5B	$3.7B	$3.9B	$4.2B	$5.6B	$5.1B	$5.3B	$5.0B	$5.3B	$5.0B	$5.2B	$4.4B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive NAVI viewer.

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QFIN · 360 Finance Inc — $984 million
WRLD · World Acceptance Corporation — $849 million
FINV · FinVolution Group — $800 million
GDOT · Green Dot Corporation — $747 million
AFRM · Affirm Holdings Inc — $24 billion

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