Navient CorporationNAVINASDAQ

Revenue (LTM)

$3.2B

-23.7% YoY

Net Income (LTM)

$-80M

-161.1% YoY

Free Cash Flow

$441M

Revenue CAGR (5Y)

-2.9%

Marginsdeclining

FCF$0.4B

Now unprofitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	3,527	3,839↑8.8%	4,836↑26.0%	4,234↓12.4%	3,229↓23.7%
Gross Profit	2,272	1,658↓27.0%	1,156↓30.3%	848↓26.6%	2,808↑231.1%
Operating Income	936	827↓11.6%	313↓62.2%	174↓44.4%	2,491↑1331.6%
Net Income	717	645↓10.0%	228↓64.7%	131↓42.5%	-80↓161.1%
EBITDA	936	827↓11.6%	313↓62.2%	174↓44.4%	2,474↑1321.8%
EPS Diluted	4.17	4.48↑7.4%	1.85↓58.7%	1.18↓36.2%	-0.81↓168.6%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	905	1,535↑69.6%	839↓45.3%	722↓13.9%	2,104↑191.4%
Total Current Assets	3,314	3,781↑14.1%	3,143↓16.9%	2,624↓16.5%	2,104↓19.8%
Total Assets	80,605	70,795↓12.2%	61,375↓13.3%	51,789↓15.6%	48,681↓6.0%
Total Current Liabilities	3,792	4,965↑30.9%	4,761↓4.1%	4,747↓0.3%	5,073↑6.9%
Total Liabilities	77,997	67,818↓13.1%	58,615↓13.6%	49,148↓16.2%	46,282↓5.8%
Total Equity	2,597	2,977↑14.6%	2,760↓7.3%	2,641↓4.3%	2,399↓9.2%
Total Debt	76,721	67,396↓12.2%	57,915↓14.1%	48,665↓16.0%	45,706↓6.1%
Net Debt	75,816	65,861↓13.1%	57,076↓13.3%	47,943↓16.0%	43,602↓9.1%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	702	305↓56.6%	676↑121.6%	459↓32.1%	441↓3.9%
Capital Expenditure	0	0	0	0	0
Free Cash Flow	702	305↓56.6%	676↑121.6%	459↓32.1%	441↓3.9%
Stock-Based Comp	22	19↓13.6%	24↑26.3%	23↓4.2%	21↓8.7%
Net Change in Cash	41	1,229↑2897.6%	-2,014↓263.9%	-690↑65.7%	1↑100.1%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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