Navient (NAVI) Stock & Financials
Data as of (550 days ago)|Source: SEC EDGAR
Navient (NAVI) is a consumer finance company. The company reports annual revenue of $271M and net income of $131M. Its profit margin is 48.3%.
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Navient Key Financials(TTM Est.)
Data from SEC EDGAR filings. TTM = Trailing Twelve Months.
Navient Financial Health ScoreFY2025
Weak financial health; requires careful evaluation
-22 pts YoYThis Financial Health Score is a proprietary metric calculated from SEC EDGAR filings for educational and informational purposes only. It does not constitute investment advice or a recommendation to buy or sell any security. Results vary significantly by industry. Conduct your own research before making investment decisions.
Data Highlights
- Strong profit margin: 48.3%
Data sourced from SEC EDGAR filings. Not investment advice.
Navient Recent Events
Source: SEC EDGAR 8-K Filings
5-Year Revenue & Net Income Trend
Chart shows fiscal year data from SEC EDGAR filings. Hover over data points for details.
As of FY2025 · SEC Form 10-K · Last checked Jul 2, 2026
About Navient
Navient Corporation is an American financial services company and former student loan servicer based in Wilmington, Delaware. The company was formed in 2014 by the split of Sallie Mae into two distinct entities: Sallie Mae Bank and Navient. The company employs 4,500 people at offices across the US. In 2018, Navient serviced a quarter of all student loans in the United States. In 2024, the company was barred from servicing federal student loans.
- Industry
- Consumer Finance
Valuation
Valuation Data UnavailablePrice-based valuation metrics (P/E, P/B) require real-time stock price data which is not included in SEC filings.
Benjamin Graham: Graham recommended P/E ratio not exceed 15 for reasonable valuation. Understanding valuation metrics
Profitability
Above-Average Marginsvs 9.7% sector median / 11.4% avg
Generates $5.4 in profit for every $100 of shareholder equity. Higher than 33% in Financials.
vs 8.3% sector median / 9.6% avg
Keeps 48 cents of every dollar in revenue as profit. Higher than 94% in Financials.
* Some quarterly data is missing. Values are calculated based on annual report figures.
Profit margin 405% above sector average.
Warren Buffett: Buffett looks for consistent ROE above 20% as a sign of competitive advantage. How to evaluate profitability
Financial Health
High Leveragevs 1.14 sector median / 4.40 avg
Carries $16.98 in debt for every $1 of equity. Lower debt than 20% in Financials. Debt levels have been declining over the past 5 years.
Debt-to-equity ratio of 16.98 is above 1.5.
Peter Lynch: Lynch: normal balance sheet has 75% equity, 25% debt. Understanding financial health
Dividend
Dividend Data UnavailableDividend yield data is not available from SEC filings. Check the company's investor relations page for dividend information.
As of FY2025 · SEC Form 10-K · Last checked Jul 2, 2026
Navient 10-Year Revenue, Profit & Cash Flow History
Annual Financials
FY2025 - FY2016| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | $271.0M(-15.6%) | $321.0M(-3.3%) | $332.0M(-34.5%) | $507.0M(+30.7%) | $388.0M(-0.8%) | $391.0M(+8.9%) | $359.0M | - | - |
| Net Income | $-80,000,000(-161.1%) | $131.0M(-42.5%) | $228.0M(-64.7%) | $645.0M(-10.0%) | $717.0M(+74.0%) | $412.0M(-31.0%) | $597.0M(+51.1%) | $395.0M(+35.3%) | $292.0M(-57.1%) | $681.0M(-30.8%) |
| Total Assets | $48.7B | $51.8B | $61.4B | $70.8B | $80.6B | $87.4B | $94.9B | $104.2B | $115.0B | $121.1B |
| Total Debt | $40.6B | $43.2B | $53.4B | $61.0B | $74.5B | $77.3B | $81.7B | $93.5B | $105.0B | $112.4B |
| Total Equity | $2.4B | $2.6B | $2.8B | $3.0B | $2.6B | $2.4B | $3.3B | $3.5B | $3.5B | $3.7B |
| Profit Margin | - | 48.3% | 71.0% | 194.3% | 141.4% | 106.2% | 152.7% | 110.0% | - | - |
| ROE | -3.3% | 5.0% | 8.3% | 21.7% | 27.6% | 16.9% | 17.9% | 11.2% | 8.4% | 18.3% |
| ROA | -0.2% | 0.3% | 0.4% | 0.9% | 0.9% | 0.5% | 0.6% | 0.4% | 0.3% | 0.6% |
Quarterly Financials
Last 8 quarters| Metric | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | $240.0M | $155.0M | $72.0M | $261.0M | $182.0M |
| Net Income | $-86,000,000 | $14.0M | $-2,000,000 | $256.0M | $177.0M | $111.0M | $540.0M | $435.0M |
| Total Assets | $49.3B | $50.2B | $51.0B | $61.4B | $61.4B | $61.4B | $70.8B | $70.8B |
As of FY2025 · SEC Form 10-K · Last checked Jul 2, 2026
Insider Trading
Source: SEC EDGAR Form 4 filings. Only purchase (P) and sale (S) transactions shown.
Navient Dividend Safety Analysis & Growth History
Dividend Status
Dividend PayerThis company pays dividends. Historical dividend data shown below.
Annual Dividends
2012 - 2016| Metric | 2012 | 2013 | 2014 | 2015 | 2016 |
|---|---|---|---|---|---|
| Dividend/Share | $0.50 | $0.60 | $0.60 | $0.64 | $0.16 |
| YoY Growth | - | +20.0% | +0.0% | +6.7% | -75.0% |
| Payments | 1 | 4 | 4 | 4 | 1 |
| Increased | - | Yes | No | Yes | No |
Learn more:Dividend investing guideHow to evaluate dividend safety
As of FY2025 · SEC XBRL dividend facts · Last checked Jul 2, 2026
Navient Free Cash Flow & Dividend Coverage
Cash Flow History
FY2016 - FY2025| Metric | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating CF | $1.3B | $1.2B | $1.1B | $1.0B | $987.0M | $702.0M | $305.0M | $676.0M | $459.0M | $441.0M |
| CapEx | - | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - |
| FCF Margin | - | - | - | - | - | - | - | - | - | - |
Source: SEC EDGAR 10-K filings. FCF = Operating Cash Flow - Capital Expenditures. Free cash flow guide
As of FY2025 · SEC Form 10-K · Last checked Jul 2, 2026
Navient Risk Factors
Company-disclosed SEC risk factors
Risk factors are disclosed by the company in its SEC Form 10-K, Item 1A. Billiver does not classify or summarize company-specific legal, operational, financial, or market risks here.
Sector context: Financials. This is not a Billiver risk assessment for NAVI.
Source note: the SEC Form 10-K includes Item 1A, "Risk Factors." The full risk-factor text should be read from the company’s own SEC filing.
Navient FAQ
What is Navient's annual revenue?
Navient (NAVI) reported $271 million in trailing twelve-month (TTM) revenue. This financial data is compiled from SEC EDGAR 10-K filings.
Is Navient profitable?
Yes, Navient is profitable with a 48.3% net profit margin and $131 million in net income (TTM). All figures from SEC EDGAR 10-K filings.
Does Navient pay dividends?
Yes, Navient pays regular dividends. View the full dividend history and payout analysis on this page.
What is Navient's financial health score?
Navient has a financial health score of 15/100 (Grade: F), evaluating profitability, solvency, liquidity, and growth based on SEC EDGAR data.
How many years of Navient financial data are available?
10 years of financial data are available for Navient from FY2016 to FY2025. All figures are compiled from SEC EDGAR 10-K filings.