Navient CorpNavient Corp
Navient Corp

Navient Corp

NAVI
Financials·Consumer Finance

Navient Corp. engages in the provision of asset management and business processing solutions for education, healthcare and government clients at the federal, state and local levels. It operates through the following segments: Federal Education Loans, Consumer Lending, Business Processing, and Other. The Federal Education Loans segment owns FFELP Loans and performs servicing and asset recovery services on FFELP Loan portfolio. The Consumer Lending segment owns, originates, acquires and services high-quality private education loans. The Business Processing segment engages in the provision of government and healthcare services. The Other segment consists of corporate liquidity portfolio, gains and losses incurred on the repurchase of debt, unallocated expenses of shared services and restructuring/other reorganization expenses. The company was founded in 1973 and is headquartered in Herndon, VA.

Market cap
No dataNo data
Revenue
$610M−47.0% YoY
Net income
$-80M−161.1% YoY
Free cash flow
$441M−3.9% YoY

Market

Listed stock
NAVIPriceNasdaq
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Financial performance

Revenue
$610M−47.0% YoY
Operating income
$-427M−6.2% YoY
Net income
$-80M−161.1% YoY
Free cash flow
$441M−3.9% YoY

Revenue, profit & cash trend

Revenue
Operating income
Net income
Free cash flow
Reference
Revenue: 2021 $2.1B, 2022 $1.7B, 2023 $1.3B, 2024 $1.2B, 2025 $610M. Operating income: 2021 $247M, 2022 $348M, 2023 $-160M, 2024 $-402M, 2025 $-427M. Net income: 2021 $717M, 2022 $645M, 2023 $228M, 2024 $131M, 2025 $-80M. Free cash flow: 2021 $702M, 2022 $305M, 2023 $676M, 2024 $459M, 2025 $441M. Reference line: Reference at $0.

Growth & profitability

Revenue growth
-47.0%−3769 bps YoY
Gross margin
No dataNo data
Operating margin
No dataNo data
FCF margin
No dataNo data

Earnings power over time

Operating income
Net income
Free cash flow
Operating income: 2021-12-31 $247M, 2022-12-31 $348M, 2023-12-31 $-160M, 2024-12-31 $-402M, 2025-12-31 $-427M. Net income: 2021-12-31 $717M, 2022-12-31 $645M, 2023-12-31 $228M, 2024-12-31 $131M, 2025-12-31 $-80M. Free cash flow: 2021-12-31 $702M, 2022-12-31 $305M, 2023-12-31 $676M, 2024-12-31 $459M, 2025-12-31 $441M

Growth heatmap

2022202320242025CAGR
Revenue
-18.8%
-26.8%
-9.4%
-47.0%
-26.9%
Gross profit
-22.7%
-43.1%
-7.2%
-84.3%
-49.7%
Operating income
+40.9%
-146.0%
-151.3%
-6.2%
No data
Free cash flow
-56.6%
+121.6%
-32.1%
-3.9%
-11.0%

Earnings quality

Operating cash flow
$441M−3.9% YoY
Net income
$-80M−161.1% YoY
Free cash flow
$441M−3.9% YoY
Diluted EPS
No dataNo data

Cash conversion quality

Operating cash flow
Free cash flow
Net income = 100%
Operating cash flow: 2025-12-31 -551%, 2024-12-31 350%, 2023-12-31 296%, 2022-12-31 47%, 2021-12-31 98%. Free cash flow: 2025-12-31 -551%, 2024-12-31 350%, 2023-12-31 296%, 2022-12-31 47%, 2021-12-31 98%. Reference line: Net income = 100% at 100%.

Per-share economics

Diluted EPS
Latest
No data
FCF / share
Latest
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Diluted shares
Latest
No data

Financial flexibility

Cash & equivalents
No dataNo data
Total debt
No dataNo data
Net debt
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Current ratio
No dataNo data

Cash Coverage of Debt

Cash / Total debt
No data

Returns

Return on equity
No dataNo data
Return on assets
No dataNo data
Return on invested capital
No dataNo data
Asset turnover
No dataNo data

Return on capital

No data

Valuation

Price to earnings
No dataNo data
Price to sales
No dataNo data
EV / EBITDA
No dataNo data
Free cash flow yield
No dataNo data

Valuation vs its own 5Y history

Metric
Own five-year range
Current
Own 5Y median
Position in own range
Price to earnings
No data
No data
No data
No data
Price to sales
No data
No data
No data
No data
EV / EBITDA
No data
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Free cash flow yield
No data
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